# TRI COUNTY AREA
POTTSTOWN, PA · NCUA charter 6269 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tri-county-area-6269

Who the members are: federal charter, community charter, organized 1949. 12,710 members of 200,954 potential (6.3% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 76.

**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 | $210.4M |
| Members | 12,710 (0.8% YoY) |
| Full-time staff | 40 |
| Net worth | $22.4M |
| Net worth ratio | 10.6% (p40 of band) |
| ROA (annualized) | 0.82% (p60 of band) |
| Total delinquency | 0.56% (p46 of band) |
| Net charge-offs (annualized) | 0.51% (p64 of band) |
| Loans / shares | 59% (p18 of band) |
| Cash / assets | 15.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.01% (p78 of band) |
| Operating expense / assets | 4.14% (p69 of band) |
| Vehicles % of loans | 24% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 10% |
| Third-party paper % of net worth | 47% (p41 of band) |
| Vehicle delinquency | 0.03% (p5 of band) |
| Vehicle NCO | 0.24% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 36% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 17% |
| Average share balance | $7,001 |
| Participations bought / yr | $2.6M |
| Participations sold / yr | $3.6M |
| Participations outstanding | $7.8M |
| Loans outstanding per 100 members | 76% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $11,386 |
| Loans granted, annualized | $31.1M |

## Participation posture (from the same filings)

Bought $2.6M and sold $3.6M in the latest annualized quarter; $7.8M outstanding purchased (34.7% of net worth), $98,697 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 4.7% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, expense trap, delinquency 2x band |  |
| 2016-06 | 3 | losing money | expense trap |
| 2016-09 | 5 | net worth falling, expense trap |  |
| 2016-12 | 5 | charge-offs p90 | delinquency 2x band |
| 2017-03 | 5 | capital below 7% | losing money, expense trap |
| 2017-06 | 1 |  | net worth falling, charge-offs p90, capital below 7% |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | 3rd-party paper>100% NW |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | delinquency rising | 3rd-party paper>100% NW |
| 2020-03 | 2 | net worth falling | delinquency rising |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | capital below 7% |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 5 | delinquency rising | net worth falling |
| 2021-12 | 5 |  |  |
| 2022-03 | 4 | charge-offs p90 | margin squeeze, delinquency rising |
| 2022-06 | 3 |  | charge-offs p90 |
| 2022-09 | 1 |  | capital below 7% |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 1 |  | thin capital |
| 2023-12 | 2 | members leaving |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | members leaving |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 1 |  |  |

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

- 2026-07-27 [Trumark Credit Union, Industry Partners Deliver 1,720 Pounds of Food and $32,050 to Philabundance - VISTA.Today](https://news.google.com/rss/articles/CBMifEFVX3lxTE9TWWprQlJvOWttMmI0UUtwcFVnRm9Wd014N2duZU14aDVJeGxneFd3bVBXU21ra2d6SGtldTJ6b0RjWnowbTM5TUFpa2tVRXBySzF2N1NFa29mT1ptYlJRX1FDRkp0NUFUM1BmN2tZRlhKTjVGTVhIZFFuQmg?oc=5) · VISTA.Today
- 2024-12-06 [$570,000 Tri County Area Federal Credit Union class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNd05lbDItbWtSeVc3cEV4ci1JOWUzdnJ1TGJDUlk3UVhEMmtDV0wwby0xOFNDZjZNZ1lDTXhDa3RBcjhKMENQTHlFNFN6OUhaRVF2TEZJV2RmTW5MeWNldklMc2lXanVxVVBGVzU3R01QeXZmekJNSDkxSWNQUHRZTTA4N242TTNyTkJ4UkRxLXl5czFhSmo3Qi1lNlZYQUNRN3RXS2ozNXdmZFpPZXpQNnVBVVNDYlF1WnRZYXdQZjZWWFdDRS0zTUdyNDExUWVyUXhsOXFoNU0?oc=5) · Top Class Actions
- 2026-07-28 [City of Chester and community partners to host Back-to-School Bash - Delco Times](https://news.google.com/rss/articles/CBMirwFBVV95cUxQT3BvVk9ENkltRWdrNjIzd3BId3ZxcS1IUmE0WnBudE5heXNmZVRteURwcEZCOVNBNkU0OXVlM3FENDRySWtPdkpqSlZYVVBJcjV4WmMzaWFaYWZFWVBOYXFuclpTYk1PYWZ6Wk5ycDQyMy12ZmliVkdROUotNi1mMzJuR1FieXJIVVFBVmNScDYxczZ4bzBBbi1WV1dtX0JDQjh0RHY2U1pTd1FFOEE0?oc=5) · Delco Times
- 2025-07-21 [Credit unions come together for Philabundance - Northeast Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxQSVV0MjE3X0kwV2U2d2hYX19KUWItQ01yUGNIS0U4OEwyYllNeG1NOTZPQWNSWHdZMUpGLUFkOUY5X0twbFNUMjFEdGlIaDNqbnVVTUFEQUUyMXdPbG1xNlBQekNidTZidVBDTGlIcXVjQjYwdEJXR2dIUjllOUdCUWdoM2NiOE1qTkdiMQ?oc=5) · Northeast Times
- 2014-07-02 [Visions merges with NJ credit union - Press & Sun-Bulletin](https://news.google.com/rss/articles/CBMinwFBVV95cUxPS3k5YlhPb2FYcDg4a1RyMExfVlRlaXhNNEhIZTBHeVNpVzhkeUVYVnlqdWtrUkhNV2hYY1RudUFENGlsRXdtQzN6c21CTndKZFdJSERxMGt0T28xLVJiTWplb1pZUTZldFcwa2gyZTNZUFo1RFdsQkFqUVQxaXNiNnpCVkFOb3hHX0VoUGlCMTF6cnVSVmEyaldyS1BzYjA?oc=5) · Press & Sun-Bulletin
- 2016-07-10 [Citadel fortifies its market in Montgomery County - readingeagle.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQODczN2VYdl9TVXl0RlNXU1dmN0R1aWZDd3ZDc0dlUndjWF84eGV6UGNMR1pNN3htcGF1eVlCdXdkUzZJZEFfT3UzbGF5VV8zem0wcGk1WGtTZnptNElUYWt3OEZQVUdrRDRlUGNNdE9OaEZGdGVBWHFFYnNqV0JlaUREN1B0ai1lRFQzSlZjb1N2TTRV?oc=5) · readingeagle.com
- 2024-05-31 [John Jensen Obituary - Pottstown, PA - pottsmerc.com](https://news.google.com/rss/articles/CBMieEFVX3lxTFAxLTBWQ1JodE9sSEZoMVZSdHhMRE1JOHRfSEhfNWxoYkdUUVNmdC1jWGdrVnROUmlibHl0b0VqWUc0TnI0UjNWby11Nm9KVGlSV0l6cGU2OHhCMXZnMGp2Y0Z2cE5oLVluOVVvbmk4UlRDajJKdTVpQw?oc=5) · pottsmerc.com
- 2024-05-30 [Tag Archives: Tri County Area Community Action - TheBurg](https://news.google.com/rss/articles/CBMibEFVX3lxTFAwYXNqT2RNYlRlSmpVUXlSQmlqN0plams5Mi1GdlVFRm9tbE16YzE5cEZQLTJhYXRyZmk3TW1pZ0ZZN0EyQWtBckpFMlA2ZGNNNnRxZGZQZ3BLd0dGMG9qcTBsYk9Ub2I1SXloVQ?oc=5) · TheBurg

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6269 (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/61.json (key "6269", 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=6269
- 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