# TOTAL COMMUNITY
TAYLOR, MI · NCUA charter 62245 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/total-community-62245

Who the members are: state charter, organized 1960, low-income designated. 6,368 members of 45,000 potential (14.2% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 87.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $109.8M |
| Members | 6,368 (-4.9% YoY) |
| Full-time staff | 21 |
| Net worth | $16.5M |
| Net worth ratio | 15.0% (p82 of band) |
| ROA (annualized) | 2.13% (p97 of band) |
| Total delinquency | 0.70% (p56 of band) |
| Net charge-offs (annualized) | 0.49% (p65 of band) |
| Loans / shares | 46% (p14 of band) |
| Cash / assets | 25.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.96% (p68 of band) |
| Operating expense / assets | 3.44% (p42 of band) |
| Vehicles % of loans | 39% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 34% |
| Third-party paper % of net worth | 34% (p51 of band) |
| Vehicle delinquency | 1.39% (p82 of band) |
| Vehicle NCO | 1.14% (p78 of band) |
| Repossessed % of vehicle book | 0.02% (p67 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 84% |
| Certificates % of member funds | 13% |
| Average share balance | $6,619 |
| Participations bought / yr | $8.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $4.4M |
| Loans outstanding per 100 members | 87% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $7,786 |
| Loans granted, annualized | $14.1M |

## Participation posture (from the same filings)

Bought $8.0M and sold $0 in the latest annualized quarter; $4.4M outstanding purchased (26.6% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 3.1% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | net worth falling, charge-offs p90, members leaving |  |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 2 |  | charge-offs p90 |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | members leaving |
| 2018-09 | 1 | delinquency rising | thin capital |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 | margin squeeze | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | thin capital |  |
| 2021-06 | 1 |  | thin capital |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | 3rd-party paper>100% NW |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | 3rd-party paper>100% NW |
| 2023-12 | 3 | delinquency 2x band, delinquency rising, 3rd-party paper>100% NW |  |
| 2024-03 | 1 |  | delinquency 2x band, 3rd-party paper>100% NW |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 4 | delinquency 2x band, delinquency rising, charge-offs p90, loan book shrinking |  |
| 2025-06 | 0 |  | delinquency 2x band, delinquency rising, charge-offs p90, loan book shrinking |
| 2025-09 | 2 | delinquency rising, members leaving |  |
| 2025-12 | 2 | charge-offs p90 | delinquency rising |
| 2026-03 | 1 |  | charge-offs p90 |

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

- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2025-01-25 [30 Under 40: Celebrating the young leaders who are shaping the future of Midland - Midland Daily News](https://news.google.com/rss/articles/CBMiowFBVV95cUxQdXI1bm0wbVVvVnNCVjlFQXZRNVEyT3Fra2FiVnhyQmlmMHVZbEgxQ0NhTWd5NXlDMWMzOHlYM09CV21WTmVEanNoVUc5eFZidHEyRzA0S3pzQ3ZzWTVkR0h1R0ZrSmF2VDhRS2RfeTcteTNDZnBwWk9TX2VYTUxXandqNWFmV3JrMHUxaHNzUzdPTExBcXYxUm92UFgtY0hDLUJz?oc=5) · Midland Daily News
- 2020-05-29 [Three Wyandotte students among 15 statewide to earn $5,000 scholarships - thenewsherald.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxPU1RWODA0UWhNdlVNeDQ1dGV4ZVVGMk1EVW5xY0Y3Y2VfamdzUVR2ejZScFBSRVY0cHBMcHB6a2hIcWxNaVFKbGVMejFFTDFyWHhWSnJRNXhuemkxazJkaXNMU0dOQVoyYVJiUERkZHU0U2Y2RnNtTHoxcDdndEdYTElwS0ppN09SOEZVRlJKOS1kaUFXY2dvQmlpZ0xTd2QzU01kbERjalc5YktRdE1BSA?oc=5) · thenewsherald.com
- 2023-09-06 [Methodist Hospitals earns “A” for Social Responsibility on national ranking - GreatNews.Life](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQMW1vbEJDV0hMUWpUWXc4b0FicWpjdDVLaDJqanZQdFNuZ2VwYVVMMVl4SmlqX2ZUdVF6R0pvYnFOMzRrQ3dFNW9iX3NpVkVGcFJOVEIweEdBcWF4QzNXZ1dfOTZCV3ZtY2lPMGUwZG04OEN1UEZVZF9xVnA4dVlLSnNpdWh5U0lfTkMwRGpBRWYwaGV0Ql9PUFF5MXBLakNOS1hZTC1Ecmo?oc=5) · GreatNews.Life
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2015-04-27 [Art Ambience 2015 brings best of local artwork under one roof in Woodhaven - thenewsherald.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxQSVZ5SzE1Wm9GQlR6eEN0UVhCcERqM2NucW9FdkZhREdnWmR1STVLN1Nzb3ppNU0wLTdXbUg0V2xiZFlhMEVkUERHdnMxdFhCM011Vk0wYmlTOXdYeHNlZ1JNQ3FreXZJQmZsTHJqV2dQcXd3UWJZdXZuRGx5bHdRSGVDT0dpVW1NQVdYZGtSVzBIZWIzai05MWsxVll0VGdmZlNSTWhYWVU3Vlo1TktqV3dQMGhCbnc?oc=5) · thenewsherald.com
- 2023-05-26 [Foundation awards 35 scholarships to deserving Taylor High School seniors - thenewsherald.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPVC1HaVBQUkJlOGRyUkg5OE5lb1puNEpzcm40QVRpbmIyN2w1MXU3QUhhYjVPdy1XOVZiZ0ppcmJvdjhzUGZqNDRkZC1YMHZyZzZLNW5mcUN0bTlNcGRhYkl2ZjhvME51cTdWcVRnUEQxTWdfaEVSUUt1TnFoNGp4QlFkakRvWlRwX05nc2dodUM5MGlBVDQtYWhGaUZ5VFduWjN1a0JVbFA0SDhkTEdaU2dmVzJjQQ?oc=5) · thenewsherald.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62245 (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/37.json (key "62245", 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=62245
- 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