# TRI-COUNTY
GRINNELL, KS · NCUA charter 67855 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tri-county-67855

Who the members are: state charter, organized 1960. 477 members of 1,000 potential (47.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 20.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $5.8M |
| Members | 477 (-0.4% YoY) |
| Full-time staff | 1 |
| Net worth | $966,701 |
| Net worth ratio | 16.8% (p61 of band) |
| ROA (annualized) | 0.93% (p67 of band) |
| Total delinquency | 1.64% (p73 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 28% (p11 of band) |
| Cash / assets | 75.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.03% (p4 of band) |
| Operating expense / assets | 1.19% (p3 of band) |
| Vehicles % of loans | 49% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.36% (p89 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $10,068 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 20% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $13,759 |
| Loans granted, annualized | $923,096 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | delinquency 2x band | charge-offs p90 |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 0 |  | delinquency 2x band, net worth falling |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | charge-offs p90 |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 | net worth falling | delinquency rising, charge-offs p90 |
| 2019-09 | 0 |  | delinquency 2x band, net worth falling |
| 2019-12 | 1 | delinquency 2x band |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | delinquency rising, loan book shrinking |  |
| 2020-12 | 0 |  | delinquency 2x band, delinquency rising, loan book shrinking |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | net worth falling |  |
| 2021-12 | 1 | members leaving | net worth falling |
| 2022-03 | 2 | margin squeeze |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 | loan book shrinking | members leaving |
| 2022-12 | 5 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2023-03 | 4 |  | margin squeeze |
| 2023-06 | 3 |  | net worth falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 | assets shrinking, members leaving | loan book shrinking, delinquency 2x band, delinquency rising |
| 2024-03 | 3 | delinquency 2x band |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | delinquency 2x band |
| 2024-12 | 1 |  | members leaving |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 | net worth falling | assets shrinking |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2026-03 | 3 |  |  |

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

- 2026-09-08 [The Latest: Canada strikes back with tariffs on about $20 billion worth of US goods - ehextra.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxQamQzVGZ5eXRjMmlQOFJwYjJscVNOU1NoYWM4cGtZcVBBeWhtOVAxSXRReXBIbVZ2cGlEMjVoQmtzV29FMnZjV1ZtMm93eDVCM1BERTBuV2daTnM5dXZlNTZfUTBKNkZSNWo4VEZmT2hwMXU5WHVCcmpNT1ZuOWF2RTNMSGlUc1hWa1JvM2Z4SHFlcmdjdDhCNGdDeUVXY0RlRjg1WHRTTW03VXNlVGlUeWdaLVhvVUZ6Q3JuSG4zWmZIRTY0Wmt4a3ZXd0pzRjhzMFdfSk5qa01XY2VSTUlCMjE4TW96ZDZQS3pHWjBNdlU5VHM1YWQ1Z1dIdUdJd2tTejVj?oc=5) · ehextra.com
- 2026-04-17 [Wealthy newcomers pump billions into South Florida as lower-income residents move out - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQVDcxOS02RXZXMGV6Sy1CWnhEakp3RWNjZ2JjSE5aVi1LY1RwVFRsTzRlN2lleXNLMzkwSnlZX0xCN3VOSEpLdWFmdmhvaXVhdG1CSDBsUFBxQjRKN3RueFZmMzFaQnZGUDA5RXdiYUpXVnh0dzA3bFUwTENYbGlsYjJ6cXJ1eENXVm9xcWFWNFc5X2J1elJTcTBVYWV3TG41TmVnM1lR?oc=5) · The Business Journals
- 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
- 2026-01-18 [Governor Kehoe announces multiple judicial and board appointments - KTTN](https://news.google.com/rss/articles/CBMikAFBVV95cUxQOHVQdGdGaXNpZ2prcTBqaW5lcTc5R0pBMjl5bXhjRldmcHg1ekR3ZzY1TWVpcDVyM2FBQXRMQjMzdXg5S1dlT2dMMEhqOFZNeW1jX3QwYTlHWmQ5dWQtX0IyZjFxMmd2OU56blFnNFRBT3BIMHUyR3RUR2VKQTV1Q2xwU1c1dHVqanFQd1Q4NGg?oc=5) · KTTN
- 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
- 2024-09-23 [Google Wallet now supports 47 more US banks (and one new service) - Android Police](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNlpuR1J6Q2JwOXFsMExVdW1KWXhaUk1CTXVpdk1vMndxbjBJNWw2TzEza1NPV2FDdE1KU3gwdEdIWjJYUWpQZzZpcXdYaThzZnhaXy1ZYUpINjZaTjhCb001aE9taVdtMklUMkZZVlB3WkFDOUUxNFdudncxX0NfaVNFZk5jR1I0VmlMZE1ka2JoQy1sYXlN?oc=5) · Android Police
- 2024-02-23 [Portrait of late founder of Halifax County Community Federal Credit Union unveiled - YourGV.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxOdi01M0tHeEczUTZsbjQzR3RibGNzb2Fid3k5LTlLNWZyZ2lraG9tVGFEVHVNMDBzTkFMQXdFNUJ1cV9JZDhuMGNUX3lYdVdOZzdER2tNQWI0b0hBNGxGbEpVSUFjcjkxWmY0WFlleWZ2MThjUlBpSnhmM3o0M0lRTExJSzg0b2drNEJkR25oTXoxeC1aV1dfTDg3R2JoWk5oMS1hVmFMOUVER0hkcHAySmxaa242RW9veG44ZnhzUnVabHBfVnd1cjJTR2NnbHBmbkxKTUxMbXRRNjZvS3BXeWFFWGVlV2Q1MHdtU1BnaFNKZjUxRWZMU0NlSVhKMUI5?oc=5) · YourGV.com
- 2024-11-01 [Chattanooga Lookouts finalize loan to help fully fund ballpark, officials say - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMingFBVV95cUxPUFh2XzExblZKM3RaczBmR2swcmQyX2pyUHRvRDNfQ1RCOHdKRTlCTlZmc1BZWHNkVkVBaWI3MGw1LUFwLXZ6S3hhRThzQk5DRENNUm9jWjNHMmlCYlZHVVppajJNRmhtek0xWnZEaGVSSFJPZklORnZ5eXhBaUJrbzA0THlzMjJfSG4tTEpFcGVKUm1tME9SWERpWGp3dw?oc=5) · Chattanooga Times Free Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67855 (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/15.json (key "67855", 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=67855
- 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