# TRI-CITIES
Grand Haven, MI · NCUA charter 62508 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tri-cities-62508

Who the members are: state charter, organized 1955, low-income designated. 3,597 members of 306,235 potential (1.2% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $51.3M |
| Members | 3,597 (-1.5% YoY) |
| Full-time staff | 10 |
| Net worth | $7.0M |
| Net worth ratio | 13.7% (p60 of band) |
| ROA (annualized) | 1.00% (p66 of band) |
| Total delinquency | 0.05% (p7 of band) |
| Net charge-offs (annualized) | 0.22% (p48 of band) |
| Loans / shares | 68% (p62 of band) |
| Cash / assets | 13.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.48% (p40 of band) |
| Operating expense / assets | 3.27% (p40 of band) |
| Vehicles % of loans | 31% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 3% |
| Third-party paper % of net worth | 4% (p59 of band) |
| Vehicle delinquency | 0.10% (p17 of band) |
| Vehicle NCO | 0.92% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 13% |
| Average share balance | $5,746 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $18,818 |
| Loans granted, annualized | $6.7M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 0 |  | net worth falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | assets shrinking |  |
| 2018-03 | 1 | members leaving | assets shrinking |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | members leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | members leaving | delinquency rising |
| 2021-06 | 0 |  | net worth falling, margin squeeze, members leaving |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | net worth falling, margin squeeze |  |
| 2022-03 | 0 |  | net worth falling, margin squeeze |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | members leaving |  |
| 2023-03 | 1 | charge-offs p90 | members leaving |
| 2023-06 | 1 | delinquency rising | charge-offs p90 |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 1 | net worth falling | delinquency rising |
| 2025-03 | 1 | members leaving | net worth falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | members leaving |
| 2026-03 | 0 |  |  |

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

- 2026-07-22 [Complete Guide to the 2025 Grand Haven Coast Guard Festival - WZZM13.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOZ2c1ekdISDdqcjAxMTliNUMwS2t4RVBYZFNldkR5UUhIeFA4emFieGluMVVFNGNMV1lFaEE2VlpKSEtpVzRNUTZ2Z2dRMmlWUFRrS3VjNl9CVDFiNVc4OGY2Zld0Y19MYkhROHNkcXhwT1N3WEphdVMtYWtsZVNSbXA3TDVnSlRhNm1BSGxSLTAtRGtWRklXV0hLWXFWSU1DRVhfZVhtaldHXzlFTHo0NjNkaGFwRlk1X3d4c3hndUxyS00?oc=5) · WZZM13.com
- 2025-08-22 [What’s being built there? $12M dental school + HAPO biz hub - Tri-City Herald](https://news.google.com/rss/articles/CBMidEFVX3lxTE1xT1ltZTVOaGpNbnZmZURlb29PMWtfc3BmNU5ZbWF6YXZmdXNrbnRhSHZpVmJKQUVzanB0RkVuS04tWFhZeWViOG8ycEFNUHRvSnB6QUhGY2FlUzVKZXYwZ2F2MXQ3aHpkNTBTSzFEVzFRTktx0gF0QVVfeXFMUEl6dWZMTlBGMzRnNmZ5eGQ3TDFGSEFpXzhMUWhKV0hvRXVOejFxdG5rZTRDYVh0WFZrcnFfSEx0eTJzQWR0Znd0VWpFZEtmQkxrWGV1elJrVDloRHJGSWo5elJlaFZJbGQ1VUY5ZlUtc1QzZ1g?oc=5) · Tri-City Herald
- 2026-02-12 [Networking – February 2026 - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMiggFBVV95cUxOMkNvYlBlcUk1QjRwVnVmNVZfRFN1MlV4ZlpEX0duWEZGRjMtY3VTZFJYQ0NCaVYyRDFwbHZ2TWd6LTAzWVY1ZW9teUE0bWR3VDJqUkRKU2VTOVhLanNDSERmRUpQS3JTVzh3OFBQUml4WG12WU1NQjRVSGtzWVloTEN3?oc=5) · Tri-Cities Area Journal of Business
- 2026-07-23 [Northeast Community Credit Union offers numerous services for its members - WCYB](https://news.google.com/rss/articles/CBMivwFBVV95cUxOZXU5eU9rTTB2cHVybVpZa1lnQlBmbEtsMV95STJmUDREMFh1T0p4VkZGZ1NVV3I5bXd5QmNKV3VDdXNza2FhMER3dmo1dlRFbGdhTmdFZ1E3dl9zZkstNGVGT1Y5UXpkRnQwUklnbFBiYTNHOTc3QVhGNGZZYlJtZ3FjWjc0Umd0c01yaDlzeXA2WHlacTNlUjVwN2pzejlBYk0wSzZvZXQ2SjV3QnhGbjhaeDNZU242U2s2VVRVSQ?oc=5) · WCYB
- 2016-09-16 [Acclaimed wine cork artist in Tri-Cities on Sept. 16-17 - Yakima Herald-Republic](https://news.google.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?oc=5) · Yakima Herald-Republic
- 2019-10-10 [Jared Chance returns to court for sentencing - wwmt.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE5UU2hmLVd1Vmctd0k1Y1k2VW1uczIyMXg3Q1NpV3Z2ZHlYZGVXajhJSjJCX090ZWNZWWN6Q00wT1N4NmNrbnN6cGRKQXhRR3pTSnJZZjFwZmRmZHIzMHo1UG5NbGdMeDZGQ2c3X2tuMk0tTGV4NGQxaGFZU3I?oc=5) · wwmt.com
- 2022-04-13 [Networking – April 2022 - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5HaENVdXdSbzB5UTMxTXZxWWxnRXMtUm9LQTVGREtoUUNTUnI2ZjM1UklYM0ROV0Q3SGhUSXlzazlkTmlrZGE0RUlCMjAyT3A2ZzBKeE43TnBFS1p1eDJBYg?oc=5) · Tri-Cities Area Journal of Business
- 2016-09-13 [Sept. 16-17: Watch artist create cork portrait for wine center - WSU Insider](https://news.google.com/rss/articles/CBMipgFBVV95cUxPc3E4cDhkZVhaRVRuSUdBZEtaWnF4dTFCT0U1OTZUNmJEVjYySmRsQXRYWGhtOHZaVHprVWF2dUJlVXRsaW40ZFRzV05BMnFCN2VIdXlNb2d2TmtNRzNRRmFmbElZbWZjY3BTT05Sb3paYUJESVUtUjR1WkVtTXBYYUtfb0pRUW1BbUVPczhaemRnckRveWRzNGljbHZKVmp3SnRxWkdB?oc=5) · WSU Insider

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62508 (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/44.json (key "62508", 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=62508
- 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