# TELCO TRIAD COMMUNITY
Sioux City, IA · NCUA charter 63218 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/telco-triad-community-63218

Who the members are: state charter, organized 1945, low-income designated. 16,018 members of 250,000 potential (6.4% of the field); checking penetration 32% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $163.2M |
| Members | 16,018 (1.8% YoY) |
| Full-time staff | 47 |
| Net worth | $19.1M |
| Net worth ratio | 11.7% (p51 of band) |
| ROA (annualized) | 0.34% (p27 of band) |
| Total delinquency | 0.32% (p25 of band) |
| Net charge-offs (annualized) | 0.16% (p28 of band) |
| Loans / shares | 83% (p78 of band) |
| Cash / assets | 16.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.00% (p71 of band) |
| Operating expense / assets | 4.42% (p75 of band) |
| Vehicles % of loans | 76% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 57% |
| Third-party paper % of net worth | 271% (p93 of band) |
| Vehicle delinquency | 0.32% (p31 of band) |
| Vehicle NCO | 0.11% (p22 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 19% |
| Average share balance | $5,715 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $13,121 |
| Loans granted, annualized | $62.8M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 4 | margin squeeze, delinquency rising |  |
| 2018-03 | 3 | losing money | margin squeeze, delinquency rising |
| 2018-06 | 2 |  | losing money |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | net worth falling, delinquency rising |  |
| 2020-09 | 4 | margin squeeze | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | net worth falling | delinquency rising |
| 2021-06 | 2 |  | margin squeeze, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | members leaving |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 | loans>95% of shares | members leaving |
| 2022-12 | 4 | net worth falling, delinquency rising | loans>95% of shares |
| 2023-03 | 4 |  |  |
| 2023-06 | 2 |  | net worth falling, delinquency rising |
| 2023-09 | 4 | delinquency rising, loans>95% of shares |  |
| 2023-12 | 3 |  | loans>95% of shares |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-01-27 [Hudson Valley & Telco Triad Community CUs Unveil 5 Hires, Promotions - CUTimes](https://news.google.com/rss/articles/CBMipAFBVV95cUxQR3MzUzhhdzlmSEtNT1hRTFRHbXo5SWFQRFUzMURjMGU3NUdndmZtRzNnOVpmMWVWaEJWMTI4SjRyTGtVZVJ1aFpHNHNhLU1waEo5dW43U2dkUU1XWTFIUkpKYW9HUTRzdndQbHNLTXpJbDQwa3BabWNiYWlsMWtmclkxMXFnTFQzUUZ2dHlnd09vZlNRNm1tOEpmc0FYMDVxNWo3eA?oc=5) · CUTimes
- 2010-07-02 [William Dean Ellis Obituary Jul 2, 2010 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE82VWU2dVJwNEEwYnJUeVNPOUdnNWk1WUp0VW9fcjlidW5PcDVxVjVqQlVWNWRsQmVZRDBsY1Z1RHd1NktvMDhsSnA2d3M5aFFXbWx3bXB4eks3eXJCYlkxeg?oc=5) · Meyer Brothers Funeral Homes
- 2013-11-03 [Matthew J Ahlsten Obituary Nov 3, 2013 - Waterbury Funeral Service](https://news.google.com/rss/articles/CBMieEFVX3lxTE9wVnhWRjlYd25DeUxrRk9VU1l6R3NqMUpRMzNsVjhvSHBHOEszRk9ueUMya1hzdnRmQ0pfV0NrMXFJVGEwYWg2RTEzYnY0SUtHX29ldVZybVBwWnVfRjNJa2lPeWhFWW1JT3dmWExkMEVjRWcwdnpIRA?oc=5) · Waterbury Funeral Service
- 2026-05-27 [Iowa students win $48K in Warren A. Morrow scholarships - kimt.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQenpZLTN6ZWlKN3lyRzg3azRyclFPc2E1aTBmNkRUaGlsLVE4VmFkRXlpNGY4OEo2VU5wRVhGNkZ1OFdzNkVRd2tKUmJoRkVwUlM4VFNjN2M4N1IyNDdiVXlQbFpjZ0ZpNmw3cDNiZnk4ZVhUakdleDZSQmtRT190S1lPVW5QUEt2c1lPOWh2MF9lWjM4cVZ6Yi11bnpPWEVuMUFsSjh6ZzdXY3pfaXhYYWlQemcxT2g3cDVvUlVxNG5VX2kzOTJabg?oc=5) · kimt.com
- 2026-03-16 [Woman arrested on warrant, now facing charges of forgery and theft - KTIV](https://news.google.com/rss/articles/CBMikgFBVV95cUxNM3o0WmoxamRqWVlDS1RlTEZXeWFtV3AtNmNWRXRVSXFqR25PV1dGZ25DQ1JZeEQtOXRkc1BkcTJucGlCZTFqbWRxSnhUR0dldzlHNjlQa1ZDa0FIQzRHdGsxSnNxYlpzUWJUeEh2aXRBeWlMQ1h0eWVqdjRURzBGd0s5RGtLV1hrMWhNZXNNSzNmZ9IBpgFBVV95cUxPcW1WMVBfcUhoMEZXSERobDQzOUlSdWM2T1h5RVA0RjA1SDRmbFpldi1UUldrMGx5Q280b0JRclRZYjQ2Szcyb1lCNXdIcS10ZzJOWDFfeFZIZmFMczN6WkJIR0xnaUtSV0dRcjhpa2FhR1FVWTdQbDhXQ29HT1JjTmZIYVM2ZEdNYktJeDRSOUNGeXFjNTBydThGWjhoQU9SWk1aelhR?oc=5) · KTIV
- 2017-07-21 [Gregory Alan Ford Obituary Jul 21, 2017 - Rexwinkel Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE90dHRGYVZseWNMbTlkNTU2emQxTFB6cktXX1g3Rmw1U1ZoRGh0X21SNkZ4ZVQ3dGdCNnlwZE91SXZBTmtQdVBlZzJDaHQxX0ZzQTlrZGMxNnl3ektCeVI3aQ?oc=5) · Rexwinkel Funeral Homes
- 2015-02-15 [Men Targeted CUs In Cash Advance Scam - cutoday.info](https://news.google.com/rss/articles/CBMif0FVX3lxTFBTbTM4cGdnQlNEdDdCSDZrWmR6MzkzNGVSbVdQaXA1Sm1BQ2Fpdnpod2hJaVVLTlota2FGSHczMXJWd2haU1NsR29aX0hjTUNPU3RZRzJjb0tmY2llaF8tdGdTWFgwMXFRN3lqMEM5aDNfaF9XbndnZ3E0RFNFSnc?oc=5) · cutoday.info
- 2012-02-16 [Gloria Valois Alger Obituary Feb 16, 2012 - Warner Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMickFVX3lxTE5rYTRWanVUTFVwRFZfQXpuM0l5dm44VjF2bmZSZm14UkU1Z2dyeFNwSFZ2Qkc3aEVmSzhzbVBtRmFqazU0a1lDdXFVQWlxUmtveVlzOUFKSG1CWXVULW5fcGdGVnVuQlhoRlhMRmNqSXNjUQ?oc=5) · Warner Funeral Homes & Crematory

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63218 (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/50.json (key "63218", 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=63218
- 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