# TRUMARK FINANCIAL
Fort Washington, PA · NCUA charter 66158 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/trumark-financial-66158

Who the members are: state charter, organized 1939, low-income designated. 148,073 members of 3,800,000 potential (3.9% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $3.57B |
| Members | 148,073 (1.4% YoY) |
| Full-time staff | 416 |
| Net worth | $380.9M |
| Net worth ratio | 10.7% (p50 of band) |
| ROA (annualized) | 0.27% (p14 of band) |
| Total delinquency | 0.51% (p39 of band) |
| Net charge-offs (annualized) | 0.49% (p49 of band) |
| Loans / shares | 94% (p76 of band) |
| Cash / assets | 3.5% |
| Borrowings / assets | 6.41% |
| Net interest margin | 2.87% (p21 of band) |
| Operating expense / assets | 3.01% (p38 of band) |
| Vehicles % of loans | 20% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 138% (p50 of band) |
| Vehicle delinquency | 0.21% (p12 of band) |
| Vehicle NCO | 0.38% (p12 of band) |
| Repossessed % of vehicle book | 0.02% (p28 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 75% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 34% |
| Average share balance | $8,902 |
| Participations bought / yr | $23.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $163.7M |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $29,876 |
| Loans granted, annualized | $888.6M |

## Participation posture (from the same filings)

Bought $23.0M and sold $0 in the latest annualized quarter; $163.7M outstanding purchased (43.0% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 4.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2026-04-27 [TruMark Financial celebrates rebrand to Trumark Credit Union: A modern brand built on purpose and people - CUInsight](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNcGwzMHh1cmxuSEFscGxYaXFjenYtS29tVExvSWJ4a1R6WWFDOFZILVpydFVoTjJrTTBtNTJGTUdzTm5fSTczWXFrZ05kQm1PZGRzeWJVcWxJbThRLUxqd0lDZ3pUWERadFpVWEZWd0JiaXpTYUVFTDFDLWhfN1EyNUpSOXcyUXE2YVpHa2xYc0RZYlFSUWp3VFIxMnZtajVWYTQ0VmpKNW9RdEU4UVZMSk5nVWhhOG5kMWhHMnVELW5PUFhBQjl2b2plTVJoZGh2RUFsOEpKRzc4Znc3?oc=5) · CUInsight
- 2026-05-02 [TruMark Financial rebrands to Trumark Credit Union - pottsmerc.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPV0ZVVUUteGJtRUFsb3YxQlZxcHRjQXpCNDdrYkZXNkxydTdDNGVFY0ZTMHVjWFRnYXU2V1hSM1FxVzV6RGZ4NUhNbkptNUZNM2QwckpvMzZRSTRDSUprcXFPMHQ2dVF4bm02VVQ5bEcxZ2phcURBU0FfdjEwQmY4ekZ3QVY3T1JDdGtyRjlDMXhvdw?oc=5) · pottsmerc.com
- 2025-11-24 [TruMark Financial® Credit Union opens applications for the 2026 Difference Makers Scholarship - philasun.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPdkpIVUcxMnBQaGtCaDMzdHVEWjMzVzAwZWVTbUwzSmktVjZVZlN4XzByOW9ZVWp3RkpBUGFwRFFRYlRBM3NxU1k2UnlNdF94a01OaWoteXhsbzVqTUZCYVROZ3lfSGdpaU5QOGp4eV9FRk84Y2lDX0FaSUpJRk9CVmpPQ3ZCSDhZVU1XcHdRQy1yMlJYLXJoSjhDZHFmSTd3ekhuVlJldTducngyemFpZmkwemhNdGR3N2R5OUg1eXZDRGhSenBRTg?oc=5) · philasun.com
- 2026-04-02 [Credit unions add more commercial lenders, while banks cry foul - Philadelphia Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPUG45LWJHTl9zRDhSS2pnSHpsZ3VEcEczTGo4NkFMeHhEUDhLdE9JU2c4RnJBMElLbUtsY0d2aFRrRE05OUVJTE11SVo3M1RqM1FUX2trYW1RbTBmX1M3RkViOGFfVXhrNFoyYjdNc290WmFCVl9oNWZhTWpfN1E2MVlfNXh5ZHppZXhTblpiSld5WDA1bmVGNWFiQ2twSTZJWFd5ZzJPMzJBNlFaUzk0?oc=5) · The Business Journals
- 2026-02-14 [New scam targets your credit card with a ride to your front door - New Jersey 101.5](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1vaGtlSmxrQmRlaDZ2TzhUSmQ0c2FYV1JoZWExRnpJZmo2d2lPMU5JUHFlR0JPaGo0RDZHT3J4Y3ZpUFBuMmpZN3U5VG0tRE9JUVZCY3FMQzNaaXNv?oc=5) · New Jersey 101.5
- 2023-10-31 [TruMark Financial® Credit Union Announces Expansion of Business Banking Team - PR Newswire](https://news.google.com/rss/articles/CBMiywFBVV95cUxPV1M3NE1SRkQzQjRIT2w5aXpKMnp4SmNSbHQ0eHIwQWlWMXg1NFYwUDhqVGQ0U3lwYTVKN3BEZjE3cHdfSzlQOEhCeHlMNUhiSnNZVTBMQnR1LWMwZWdHOWVRUzJuV040YUNuWmtMcWVUaTlqMXVzaThMbk51MXNVTFpreXZ6Q3FrUHhQSTUwWERlaTg3WXpRVEVYNHhRZ2daUHVUbVFINXhmVU04d3lGZGlVZmU5c2hxZzB2NEs1VHZJSG13bFFhYzhwdw?oc=5) · PR Newswire
- 2026-02-06 [State police warn of fraud scheme targeting elderly residents - North Penn Now](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOdjQ4NHpXcG4yVVlPMUlxWXg5SGUtSTdrNVlUZm1fLWxUcENmUGpuYTB2eDh4bTlLcFFwcWNJby1NdXJ4ZkRoSEIyRnNFVjhQUERZMzNuOVlSVWpzdFZfcm51akNZcEwweTNEMnVDZ1diV0ZPc3YtU3hEVVRVUTc5cEZFemlYdlpBdEswS0NObEtfYV9yei1RQTYtRUx3d1hZSGpTRFdSOF9idw?oc=5) · North Penn Now
- 2026-02-06 [Pa. police warn of scam targeting seniors with fake bank calls - Audacy](https://news.google.com/rss/articles/CBMijgFBVV95cUxQR195MlhpaHNJRkY1MEZRRXk3ODBGTi0zby0yLXVSU3VlQzhCenVnMGJPeU91SzN4MkQ4OWdmUGhYX25OQWFja1dud1hJRDJtZW04aUtiUmpkVWJWd0VTTWVXc0duX3BNUkxrTlB5NmVqcUQ4SVJzejBpWGY0U0VTTThRRWl4NzBKLUZfWFR3?oc=5) · Audacy

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66158 (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/46.json (key "66158", 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=66158
- 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