# TRIANGLE
Kettering, OH · NCUA charter 61014 · asset band <$50M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/triangle-61014

Who the members are: state charter, organized 1939. 2,072 members of 5,000 potential (41.4% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *stressed*. Composite score 7 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $16.9M |
| Members | 2,072 (-6.4% YoY) |
| Full-time staff | 5 |
| Net worth | $1.4M |
| Net worth ratio | 8.3% (p14 of band) |
| ROA (annualized) | -0.98% (p8 of band) |
| Total delinquency | 0.39% (p34 of band) |
| Net charge-offs (annualized) | 1.41% (p88 of band) |
| Loans / shares | 23% (p7 of band) |
| Cash / assets | 5.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.25% (p22 of band) |
| Operating expense / assets | 3.63% (p58 of band) |
| Vehicles % of loans | 26% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 19% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 2% |
| Average share balance | $5,290 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $5,555 |
| Loans granted, annualized | $477,304 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | thin capital |  |
| 2017-03 | 7 | net worth falling, delinquency rising, assets shrinking, members leaving, loan book shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-02 ['Train City USA' prepares for historic visit from world's largest operating steam locomotive - WTOL](https://news.google.com/rss/articles/CBMinAJBVV95cUxPQW83N21GRHl0VF9nbF9OMWNFMVFfZm5SSkZ5RzJfcTRXOUxqUVYyM1VyVWxUWUtEaTVKb293NjRPWW43MFQ5bDNBNzItWUFUUVRTcnU2NjZmTVYxUTN5aENMMUszMFhxWXNKdE5WcnJ3NmdjWGNfdEpyaVp6ZlFtckdEQU5JOW1FRnFseEQ0OXNpSURjV09qV3ZGcG1MaVRRM1RuQjdyQ3hrcFdFRUV4bi1CUldWZFVHVThPSGF6d0RpVGd2NjdzRDlPRHdQeVB0by1GajJHa0R1dlFCMEVrOFhHQzFveHVoRmxxNl9SV3RsVjVyc05tXzlsY0NkdkJNcFU5WXAwaTBWd2cyNmVEQTJMTGNlOENGLUZkdg?oc=5) · WTOL
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2019-05-02 [Triangle Credit Union VP selected as SBA's Financial Services Champion of the Year - UnionLeader.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxNSzNZZnR0aFBmS1ZNUUpuOXFkNjFWY0EtRnNPY2NOZUVYSWt3ODV5RDB5Ti1BVkNiMGphM1JIWDU3WEo1OW83U0VCTjNKNmk1Z1UxenB6ZHFVOFh3TDExMDRMd2NkcVp1cWM0eEdyNVh1OHpCaFc4X2VIMTlURnJ0NnN1SU9Fdmwyc2wtMDZxaGE2NExQa09KUnFWRFByLU8yTnQ0X1ljUG93RmlKbVJqUTdWRUJkeHpSQkxxZWhkRXFwVlFKZHRPMUF6RTFBQ1V5bTc0UzhlekFmV011U01aVmp2azk5YkdkbnBVY3pmempzYy1MRjZCbm9hY3FveTQ5UjhB?oc=5) · UnionLeader.com
- 2020-08-26 [New leadership at Triangle Credit Union - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxPaEpUYXlTX2lvMkVET2U1d3p3dFUtVTg4SHBZWVRMeFpkQVRZUGx1ZGpZbVNNeHpub1ZaV0xVTG54V3gzUnhnSzBHdFhWd1owNlhaMXlINFhBWHg2TmRhelBzSEZFRk05NW50cHlKZklRcEVEMzg2bVpKdE5rYW8tanZ6LVcxNmNWc2FycUVsaElRZw?oc=5) · American Banker
- 2026-05-17 [Looking for a concert? A guide to shows in Fayetteville and the Triangle - The Fayetteville Observer](https://news.google.com/rss/articles/CBMixgFBVV95cUxOZnBoMXE1VHl2RTIzdDhTWElaN1ZGcWV6WGRHbnNMa3ZpbUNxM2lvUjJOWnBZMVJRZ1dLVjRudFRlZzduX0VocWxXSE5iRWM5WlJZUkYxNXg4bERLa1lkSW9kaEdtb3BEVzJhdzhBQU1NNTJOYlNyVGd3VVpsZWIwY0ttT3lMd2tFRnladmpsbVhtUzhMR3otSkhabGZ2NmNNQVRjcGU4Z0RRSU1NZWl5Vk90ZE9QSnhnMjlFcVA5QlVFNHZyaUE?oc=5) · The Fayetteville Observer
- 2024-07-16 [Kenneth L. Beck Obituary Jun 26, 2007 - Sanders Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTE16bkpUb0RvWTcyR2lBZGs0SzliQkh5NU1KczNNcDNNcl9ZRktyUmlBNjN6T3dSbGEtNEpWVG9JZFozZ1NqNUI1QTlSb3dtRVVmeWxBM19icDBlcDF3d3RaT3JrX3JJZHRWX1Zv?oc=5) · Sanders Funeral Homes
- 2026-05-22 [World's largest operating steam locomotive 'Big Boy' to make stop in northwest Ohio on America250 cross-country journey - WTOL](https://news.google.com/rss/articles/CBMiowJBVV95cUxNT1R4c092TlAyZFlydGNSc2p0dnczbk90MWU3eXQyOV9RTWJCeFU4SFRLdnBNN0trXzQ5X0I5eGc2NUNseThpZDhCR2ozZ0JRY0czY0Z3RzBNdWFZeUhtdF9YajcwSGRuTnJLQnRCMVBFZElCdk1WeHNwWVhRQXJoVEJxTzM4RGZLc3BNR1p5YjNzZ3E4SlpwMkxLOVNKRl9nSjluWDhZR1RkcHlJRW1ad0FWdUFxVjVRemcxbDZVOTg5Y0ZMUWJpbkRaQjBYQ2pzTHpJS3dVbV9rdEM0VUdzVGczXzFKQTlWTnZIRFo1bW1sNEwwZk9IOEtKQzJCTnhZODZxRnlJR05lcVA0LU1LLUpyZ3VXUUtWV1BPVGxaZ0JnaW8?oc=5) · WTOL
- 2021-08-25 [Ribbon-cutting at VyStar Credit Union branch - Mid Florida Newspapers](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQWlp2N1htNUdSUEFQenkyOUZSRmNLUVZPc1FmdzZsN2IteXRxQ1F3T1J3X3JsZk1lSDZVMW5GRmZienZRVXRGemJLNDdOaDRMVHNUdlRiWHFvTUtrVzB2ZVU5WUk1dW5LWHloemhkZC1TRDRLaTVnVlNtd1oycnFjREZHVDVURDRVbU1NV2NpU0dIdlVmYUc4R3M4ZjlrRmJnNGdDWEVzeXNtRHNpQWRpc3JiU1VYNE5WTTlOQVdKY1M5UGswbUthRHk0UWZvUWFlWlVsVUJrRUdUSllzeXZuYlpEOVBEc3c?oc=5) · Mid Florida Newspapers

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61014 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/22.json (key "61014", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61014
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide