# TENDTO
Erie, PA · NCUA charter 63648 · asset band $100-200M · latest filing 2024-09 · stopped filing after 2024-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/tendto-63648

Who the members are: state charter, organized 1976. 12,033 members of 267,689 potential (4.5% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $132.9M |
| Members | 12,033 (-2.7% YoY) |
| Full-time staff | 33 |
| Net worth | $11.3M |
| Net worth ratio | 8.5% (p9 of band) |
| ROA (annualized) | 0.42% (p32 of band) |
| Total delinquency | 0.38% (p30 of band) |
| Net charge-offs (annualized) | 0.49% (p70 of band) |
| Loans / shares | 56% (p20 of band) |
| Cash / assets | 10.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.10% (p31 of band) |
| Operating expense / assets | 3.71% (p56 of band) |
| Vehicles % of loans | 61% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 77% |
| Third-party paper % of net worth | 295% (p91 of band) |
| Vehicle delinquency | 0.28% (p24 of band) |
| Vehicle NCO | 0.41% (p50 of band) |
| Repossessed % of vehicle book | 0.13% (p82 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 17% |
| Average share balance | $5,453 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $10,926 |
| Loans granted, annualized | $21.4M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, delinquency 2x band, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 7 | losing money, delinquency rising, charge-offs p90 |  |
| 2017-06 | 6 | net worth falling | delinquency 2x band, delinquency rising |
| 2017-09 | 6 | delinquency 2x band | net worth falling |
| 2017-12 | 8 | members leaving, loan book shrinking |  |
| 2018-03 | 9 | net worth falling, margin squeeze | loan book shrinking |
| 2018-06 | 7 |  | net worth falling, margin squeeze |
| 2018-09 | 7 |  |  |
| 2018-12 | 7 |  |  |
| 2019-03 | 8 | net worth falling, assets shrinking | losing money |
| 2019-06 | 6 |  | net worth falling, assets shrinking |
| 2019-09 | 4 |  | repo signal, delinquency 2x band |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 | net worth falling | charge-offs p90 |
| 2020-06 | 5 | margin squeeze |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 4 |  | net worth falling |
| 2021-03 | 7 | capital below 7%, delinquency 2x band |  |
| 2021-06 | 8 | net worth falling, delinquency rising | margin squeeze |
| 2021-09 | 7 | charge-offs p90 | net worth falling, delinquency rising |
| 2021-12 | 4 |  | capital below 7%, delinquency 2x band |
| 2022-03 | 6 | capital below 7% |  |
| 2022-06 | 3 |  | members leaving, capital below 7% |
| 2022-09 | 2 |  | charge-offs p90 |
| 2022-12 | 3 | charge-offs p90 |  |
| 2023-03 | 2 |  | charge-offs p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 3 |  | delinquency rising |
| 2024-06 | 4 | auto monoline |  |
| 2024-09 | 3 |  | assets shrinking |

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

- 2026-07-09 [Tendto Credit Union Athlete of the Week: Na-ilah "Speedy" Crawford - erienewsnow.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNMHgya2pDZlVtQmRXNkkyM0w4bUt3M00tYU9hMUJPNHVmLWotOE9Ub0pZS2tDWW5lS3VoMlNPUTBiTmsyeDhITmF1TUNKTm1FMFFnX293b0dHZGJkMDZvc1NPemhMaUM2Yko5bE9TWWlvbWota2Q1eTRQNFVWMGthN1pQT3NHd1pkczhvbHJ2RnhrclVsYkg2eVE0bHl1QzZ3RjFHNkt4VkQ2ZVlSLXNMcE9jcGI4VEFnMks4amo2WFR0dENrVXhTMEVQTkJoZmJjNDdaV0l3NG84RXF6MEVGQkhxQzZldw?oc=5) · erienewsnow.com
- 2026-04-16 [Tendto Credit Union Athlete of the Week: Colin Bolla - erienewsnow.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNVlJCbTVpRlcyM2NYZWdUQXpwbGp3TWJ0UEtYWVYxS25OeFJJQ05qTVYwcUNtVWZweXVkZGxhOHl1MDB2TWwzU2ZscnNQb3pwT1RlcHQ5VG5kQWEyaTZuZFB5Nl9jZU5zeGJqdnl6UHVNWWxzRHptSlE4ZVUzZWd1UzgwTHkyWTl1YVE3ZzE3MEF3Y25aakpPQURxVWI3T3pDWU9idm5kblpzWUNiVE5qMk1CY2tfUVpZb1AzajM0SEg3VjVlSGszVTI1T0V4YXVoSzJRQW1NckhwUQ?oc=5) · erienewsnow.com
- 2018-02-14 [New name, same mission - Erie Times-News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOSzRVNTgteVllLUZqaldyb0JyZWhDN2xVR0ZxYTRWaTBjclIxeHBXY1pxTlVaUVNKd3ZHTHJPRDJ0bEp6ZkVQZEF4RFVwdVhpc1FJVTVpN2VTZjlPZDlVM2I1OG5XZDhGX3JuUkdMbGV0V1JQcm10R2FjTUdDNkVyX3VYVnY5UlVmMF84?oc=5) · Erie Times-News
- 2026-07-15 [Tendto Credit Union Athlete of the Week: Justice Bigbie - erienewsnow.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQcGVzRTJqR2pXU2VjWWYyaW9yRGVZNm1YWWRLbW9Nc3lZeWRvQ011dlUxTmVKcGhfYS1fMjhTT0NZRDFjSEx6bnlMNFVpNVhEeVBIemdXWThkaV80Q2xJUlFIa3ZyRWlCeWRMNDBRb0VheXBvVGQwdjRDSWJCdEpOd0YxejVGM2p6MUY2YTNoZnZLMzM3OGxYN2ZieW13MlY0MUxFVkloek5Ocl85amktanVFcnRDWE1SUDZOM1pqSEpzZkc5VmpOb3A0WWMzLXlmZF9ZU3FPMGhWUQ?oc=5) · erienewsnow.com
- 2021-10-11 [Sandra Glaspell Obituary (1968 - 2019) - Erie, PA - Erie Times-News - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNy1VTjhpV3RtTW16Y3oySkZPWWNzbzE4OE5KakhOWnVFNWFHakhUeVlBZUw2NmNST1diUDluMW5FSHQ3QTYyVGMwdWJaNk5BX0U4TVE3NGVXamJkYmhQVXotVUMzMEI5aXJqNUE0d1dELUNmRGhCenRsZGNOUWNRV2NrSnBGNDdkRmY3ZmNTRUZVbGxSeDZJ?oc=5) · legacy.com
- 2026-04-30 [Tendto Credit Union Athlete of the Week: Hunter Krahe - erienewsnow.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQclBWQ0FaSFFjd0JBV0k2bTQ1ZmxHSURkSzllYjZzX29EaHFYNFEwSkxJaXlzSXBIT2hEU2lvV2NXa0JkOERmcmhIWlYxYlFMLU5leWthVm5Eek5TUmlLV3dDNzRCRFVzTFFPNjl3aG9Iemt2aEFFc0d3WnFib1VsYXlVSHhrS2NNRURESVZzUHRIM1J2SEgxNGUwblkzVUh4Sjctb25icDM3Mk5XY2JxdnFjQjRBcnlRcGV1Q2lYVHlBakkyc0Fid294dVRrYzZUWVh2R28yMmxvUFVmbTRULXk4aC1CX09mbzdR?oc=5) · erienewsnow.com
- 2026-05-28 [Tendto Credit Union Athlete of the Week: Hailey Obenrader - erienewsnow.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPZ1A2R3FabllkYlQ1dE4xWW50elF4V1hIY2JVeFZuMzhZYmhYTnZNdHFhX2VZNXRJOU50NGRrTF9iT2tnbjZFdGZQeHlDUDNXSi1kN2lzbUljWHZtRFpKM0NlYzM2c1huRHJhX19TMDhxRHNHXzdveC00NzdhRW8xMWE2RXZZOGcyaGFOWTFlbnVkQ1JucTBBM0NoYzZRRTFLVGthS2tzVElvRE40MWotWEo3OV9FSnhjVnhESUtteU8zNTlsTFdxOGVpSmR2WThncVJRRWRjTm5Zc0FPZGRRT0JYNUJjajdsVTlmMUJzWFA?oc=5) · erienewsnow.com
- 2026-04-22 [Tendto Credit Union Athlete of the Week: Emma Hirneisen - erienewsnow.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQalhsV1p1OF95TVVZU2ZocHlWNUdOZE40OTJCVXpValExb0ZwdkVacDhMQXN1dVFoYy1XalpuaVhJMkpkNkRZRTJBRHlET0pKNV9IWXR6MlFNaEdLRkxXZDFmSVJaZlNzVHpsSlFzOHYxLVpZeVk4WGJ5ZFhVcXJfVF85RklhSThyZnhfeVBKa2xtZ1NwUEd6cThYZ2pONTR6N3VtSHpkRjA0LUxadTBMMFNRdDJfVXNJSkdHSG9rQTZpOFptMFRSTGZmYnl6dXFITlMwMi10eHlDZw?oc=5) · erienewsnow.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63648 (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/32.json (key "63648", 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=63648
- 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