# TRI-COUNTY
Marinette, WI · NCUA charter 66640 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tri-county-66640

Who the members are: state charter, organized 1936. 3,002 members of 104,339 potential (2.9% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 89.

**Verdict on the desk:** this could be *ordinary*. 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 | $43.0M |
| Members | 3,002 (2.3% YoY) |
| Full-time staff | 11 |
| Net worth | $4.8M |
| Net worth ratio | 11.2% (p24 of band) |
| ROA (annualized) | 1.06% (p72 of band) |
| Total delinquency | 0.29% (p36 of band) |
| Net charge-offs (annualized) | 0.45% (p74 of band) |
| Loans / shares | 93% (p93 of band) |
| Cash / assets | 14.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.96% (p54 of band) |
| Operating expense / assets | 3.52% (p46 of band) |
| Vehicles % of loans | 38% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.42% (p49 of band) |
| Vehicle NCO | 1.01% (p87 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 5% |
| Average share balance | $6,097 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.2M |
| Loans outstanding per 100 members | 89% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $13,320 |
| Loans granted, annualized | $14.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.2M outstanding purchased (46.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 0 |  | losing money |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 4 | loan book shrinking |  |
| 2020-12 | 4 | losing money | loan book shrinking |
| 2021-03 | 3 |  | delinquency rising |
| 2021-06 | 3 |  |  |
| 2021-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2021-12 | 3 |  | delinquency 2x band, delinquency rising |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 3 | repo signal |  |
| 2022-09 | 1 | delinquency 2x band | net worth falling, losing money, repo signal |
| 2022-12 | 3 | delinquency rising, repo signal |  |
| 2023-03 | 2 |  | repo signal |
| 2023-06 | 1 | repo signal | delinquency 2x band, delinquency rising |
| 2023-09 | 0 |  | repo signal |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 2 | delinquency 2x band |  |
| 2024-12 | 0 |  | delinquency rising, delinquency 2x band |
| 2025-03 | 2 | net worth falling, losing money |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | loans>95% of shares | net worth falling |
| 2025-12 | 3 | delinquency 2x band, delinquency rising | losing money |
| 2026-03 | 1 | net worth falling | loans>95% of shares, delinquency 2x band, delinquency rising |

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

- 2026-09-09 [McIlroy says Trump’s Irish Open visit will bring tight security and a different feel - ehextra.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxPckpRVkNoNktXUmN3QlFxZ2o5eW5wWENrUHhFSXoxcHJzMUdiVDVqVlhDcmw5c195UDNnOHVIQ3BScnNrLWh1bkIyQ2xvSGlIWW9oRW9PRm8tVUxLLXpFVWdxWE5yNGdKM3Y2NkVDOExLS2pneWMyUm1vSEhHNVA1Sk5PcmVNMzFud1Z3NGJaMU5VVjlOMmJ1NWZHQzhUVHpxR0FaMXhwREhkcFNSTVVsTVl1SzBIZ2VlMmlpdk95VDhZUGxrOG94b21YR19aUUlRTElEREc2NEV5Z0FOQ3ZVR2NLSXd2aHB6S3ZKVGpYV3FBUGp1S2pIbS10Q1lIRzNPYmpKYg?oc=5) · ehextra.com
- 2026-09-08 [Aryna Sabalenka edges Linda Noskova to keep alive hopes of a 3rd straight US Open title - ehextra.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxQakVmQkZIOGVmUG40aFZsaWEzdE1LREp0YU9WeU85dTd2MkZ4aTlhTGNoT3ZWaWxpMjVOR2xiV3NFcERVZ2VDRnRSMW0tTUtQQ3BGTWoyNjVEUjY2S1ZfYllPRG5NWWRtRlBZX3FtY3AwNW1zb3g3djl1LW9xb3p1b2FUUkFtU2poYTIxNzAyckNtamU2cVZORlhJVWtlRXlURmotRkppOV82ZGhuV21kWk5zaXJRell6QV9VaXZEY1dPQlFVQTlLem5lbVAtLU1wRnRWYzB5dWpGRXRQeGJRdUtCT1VmNllzdy1qWGpTYXFQZmtpZ3ZuTmdzTmxaYWxx?oc=5) · ehextra.com
- 2026-09-09 [Kody Clemens homers as Twins beat slumping Tigers, 3-2 - ehextra.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPNFd0dWtDUm5qV0M5NWJmZUR2UG9QMmFTMWdnVjEtNEVicmJLMjNkZkF5VWJHRHZvZHRpR3pKRVVDWEJUcEV4UEZVa2pJb2gzSk53cU52S2FBNkJ6V0cxRGxabHR6a0RmVVEzN05DdWUwdGpHaWdpSHVGS0NPdXVqSERiVWxyZmdKRF9lVHIxR3FLSGlfdHNKa0NzTXJVenlxXzVuR3cxeWFndmtVenRzR1hHbzduQi1zY1J5WnI0TzhBeGdQamhFbUpwY2NUNnZFWW1FSWI1ZVhDcm8?oc=5) · ehextra.com
- 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
- 2026-06-10 [The Triad's Best 2026 - YES! Weekly](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNTlRDV2FLX1Nxa1J3enVUVTFfZU9JUnFyRjVEVmt5aS01dXpEZjc0bXl3d0JXcms4bEdFejNDRm05WGFqR19Yay1ja0J5aFY3dWF4azd4UGpoNlcwblY0TTY0SWw2Qkx1TzAzNFFWREdiOUlrdXVpRTJRajJ0SU55NlZmenZIVDFhOV8zQXQ1QWtuWS1lRWVsQTBWTTV6eE1lYi00ak9wR0U?oc=5) · YES! Weekly
- 2026-09-07 [Dodgers' Shohei Ohtani back as DH after 4-day break; pitching plans on hold - ehextra.com](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQY1Z2ZDRXQmRqUjhuQktMV1FSdzJpYUt4M2lzWHExTGtvMVJlRC11cHVuOW1UVzJxVHl5V1poam1yZ0ZqTkxUVzhMajlzMWV0ZGpQSzMyQ09hazNvTllCel9HZlk2UGtmcXhsWWFJWWxFWGs0cGxua3dFWllhV3pmSVlVS2xfaVlFZDBNeXd0dDBIRl9HajV4Mkh6Y01sMUFyOWRMMUU3cEVHbVFHUHNrQXFGTHNwYi1kQWZfRFlIV2JuV0JWd3BoQXQ4TjRTRUtQNVFxSHdRQnVYTEVyeFhVLTdha0NqSWZacE9QYmE5YWZBRHJ6RXc?oc=5) · ehextra.com
- 2022-07-25 [Joseph Henry Shega Obituary Jul 25, 2022 - Bowerman Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE1SOUxhMkswNjlnRnVCZUV3ODNFMHhqc25kbEV2akdmRjJ4c1ZiaUUwM3VFdFBOUXJTOGlRM0JFdVAzekI0NXV1MEx5eTlsWDJhVVJtOGFvaVJDMEQ3dkkwUGhqVUhpVDkzelFr?oc=5) · Bowerman Funeral Home
- 2025-06-06 [Caryl Miers Obituary Jun 3, 2025 - wichmannfuneralhomes.com](https://news.google.com/rss/articles/CBMia0FVX3lxTFBSRTRyenNfc3hvQ0tEN1ZidW5zTE4yMGNKVzhVNFBVMFY2ZFJId1dlTzFOcWRkRUMtMlVhZ3hCaHBKUWFRQ3pxbDN3VTdCT2V0a2wtRUl5OTFmaTdEV21WS3ctTURqZm56ckpn?oc=5) · wichmannfuneralhomes.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66640 (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/16.json (key "66640", 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=66640
- 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