# TRIANGLE
Nashua, NH · NCUA charter 68210 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/triangle-68210

Who the members are: state charter, organized 1939. 53,195 members of 262,217 potential (20.3% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $872.0M |
| Members | 53,195 (-5.9% YoY) |
| Full-time staff | 149 |
| Net worth | $75.4M |
| Net worth ratio | 8.7% (p14 of band) |
| ROA (annualized) | 0.60% (p47 of band) |
| Total delinquency | 0.36% (p27 of band) |
| Net charge-offs (annualized) | 0.19% (p20 of band) |
| Loans / shares | 78% (p40 of band) |
| Cash / assets | 10.3% |
| Borrowings / assets | 8.18% |
| Net interest margin | 3.12% (p27 of band) |
| Operating expense / assets | 3.17% (p29 of band) |
| Vehicles % of loans | 23% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 143% (p60 of band) |
| Vehicle delinquency | 0.37% (p31 of band) |
| Vehicle NCO | 0.25% (p15 of band) |
| Repossessed % of vehicle book | 0.07% (p57 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 123% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 33% |
| Average share balance | $7,114 |
| Participations bought / yr | $0 |
| Participations sold / yr | $31.3M |
| Participations outstanding | $10.4M |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $32,205 |
| Loans granted, annualized | $78.1M |

## Participation posture (from the same filings)

Bought $0 and sold $31.3M in the latest annualized quarter; $10.4M outstanding purchased (13.8% of net worth), $7.5M sold and retained. Sold in 7 and bought in 0 of the last 8 quarters. Shares 2.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **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 | 4 | thin capital, loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 5 | net worth falling |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 4 |  | net worth falling |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 5 | delinquency rising |  |
| 2020-03 | 4 |  | delinquency rising |
| 2020-06 | 4 | net worth falling | loans>95% of shares |
| 2020-09 | 4 |  |  |
| 2020-12 | 5 | delinquency rising |  |
| 2021-03 | 7 | capital below 7% |  |
| 2021-06 | 6 |  | net worth falling |
| 2021-09 | 3 |  | delinquency rising, capital below 7% |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | net worth falling |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 | loans>95% of shares | net worth falling |
| 2023-09 | 4 | delinquency rising | loans>95% of shares |
| 2023-12 | 5 | assets shrinking |  |
| 2024-03 | 6 | members leaving |  |
| 2024-06 | 5 |  | members leaving |
| 2024-09 | 4 |  | delinquency rising |
| 2024-12 | 4 | members leaving | assets shrinking |
| 2025-03 | 3 |  | members leaving |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | members leaving |  |
| 2025-12 | 3 |  | members leaving |
| 2026-03 | 5 | delinquency rising, members leaving |  |

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

- 2022-11-28 [Triangle Credit Union closing its Temple Street branch - nashuatelegraph.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxNenAta2luTi04anFac0lSS2s3WFNTcG1wU3JDc20zSnhqRDlrbnRENExvTUY0QnZEOGN5RlpVdXZ6SmNZRDZxMFlmZTFwdDlBZlVpTDlmZjJvWHJBb2gyMUlON0hqUE5TWFEtVXVBUTJUeWx0MGh2Rld3US16U2IzUy1CY1A3Y1ZsZktCbnpoQWVNQng5RWlDdUdtRGh0STlmdEVMVUt5bm5tRWFiSGdwS1d2MFY?oc=5) · nashuatelegraph.com
- 2019-05-02 [Triangle Credit Union VP selected as SBA's Financial Services Champion of the Year - UnionLeader.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxNSzNZZnR0aFBmS1ZNUUpuOXFkNjFWY0EtRnNPY2NOZUVYSWt3ODV5RDB5Ti1BVkNiMGphM1JIWDU3WEo1OW83U0VCTjNKNmk1Z1UxenB6ZHFVOFh3TDExMDRMd2NkcVp1cWM0eEdyNVh1OHpCaFc4X2VIMTlURnJ0NnN1SU9Fdmwyc2wtMDZxaGE2NExQa09KUnFWRFByLU8yTnQ0X1ljUG93RmlKbVJqUTdWRUJkeHpSQkxxZWhkRXFwVlFKZHRPMUF6RTFBQ1V5bTc0UzhlekFmV011U01aVmp2azk5YkdkbnBVY3pmempzYy1MRjZCbm9hY3FveTQ5UjhB?oc=5) · UnionLeader.com
- 2020-08-26 [New leadership at Triangle Credit Union - americanbanker.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPaEpUYXlTX2lvMkVET2U1d3p3dFUtVTg4SHBZWVRMeFpkQVRZUGx1ZGpZbVNNeHpub1ZaV0xVTG54V3gzUnhnSzBHdFhWd1owNlhaMXlINFhBWHg2TmRhelBzSEZFRk05NW50cHlKZklRcEVEMzg2bVpKdE5rYW8tanZ6LVcxNmNWc2FycUVsaElRZw?oc=5) · americanbanker.com
- 2004-06-23 [Triangle Credit Union focuses on helping people achieve their financial goals - nhbr.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOTEJldFBLMWdKSVN4bmxGMDI2OGlsSzZCeTZhM3I0dUVDU1R1a1Nha3RtLVpqZzR1eGhVRUcwS09RNHJ3TFpwWFF3cW1MbkZqb0pXb2M1eWdkVnZmUUNTRngxVERiU1ZZVktoY2RXQ0h2dUJWVTNPOTlGV2JSRjZWcDR0WFFQdm5SQngzM0JCSHFDbU9yZUdpQ3hNU3Nxc2dr?oc=5) · nhbr.com
- 2024-07-09 [Triangle Credit Union hosts Spanish business event - nashuatelegraph.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPaU1Mel8zYjA4VENZN3l4bTQ5elljTWc2NW11SHJEdEh2UXNzTnl3UUQybmQ2X3VTdndyNGJlNFVxRk9VZHNPdUhmSUxJbXRZQU5Ya21SNThybmluaTZkQjgyVlFfZWhQcjZhejlDdGR4dEtYVU04NXBhN0tqRkhkbFZpVV9RUDhLRWRsaWNXbHc4eDBUVHN5VTlHbUdEMHBO?oc=5) · nashuatelegraph.com
- 2018-08-06 [The Buzz Online - Business NH Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE5fSWJVVnV1QU9hMnM3V3hzbkJKTHNSNzhjX1p2X0VUUDE4ZFUtYkZLWnNJQ3RxaXpIc0tlX3JURk44VnMtYjlvTXpwamZwLUI5eWZlSFEwQzJNVGE4dWRma2x5X2l3OHB4bjVnRHNrNEVQV3I4?oc=5) · Business NH Magazine
- 2022-12-09 [Man gets nearly 5 years in prison for robbing NH, MA banks - wcax.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQYTRHYkVNWXZIcUZldGxIOHNKZHEtdWZfQm83WVhFNmgyY3VzWGFNVXV0b21wMWloZElFLVE1d1pnanJoUUFaUjJlS0w4NDBNSmxTQXpCR05vUmltS3ZEYk5VZ2M2dU1abks3ajgwdlAyTFZlNDJ4TDRjUy1WZmpUV1pITFFLTXRIT0VN0gGfAUFVX3lxTE5ReTBRWHNidWJYT0tLR1Rnc1ZuMmYyZzdWMTlRaUNQYXY5VTFOMEdmQjRUVmZsczRVcWd3dVEwY0tLeXpDWjM1UVlORTdpd3lGcDdUQ0NuQzFUQVFBb3ZITk1FSXVhRzE3UWhieFNIeEhlQW9zOXpLaGxZQ3VYRlFxYzZXMTY4eVpkRVlzbmlBOE9EckRrZmRUdVZucVA2Zw?oc=5) · wcax.com
- 2022-12-09 [Hampton, Lee bank robber sentenced to nearly five years in prison - Seacoastonline.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNMlFnY3lQazFPX2NFVVJKQnYyaUJKZkFZVktxanpfcXRuekxVWlZFakp3Y1M1Y0hYZVNzZ2ROMUtnUVNxTFo0b21BSUt5ekFlSlZQdWhLMGdEeEt0MUVOVGNRVWRlSGpadUR2WVNYRXdJRGdqYkxxYVVOR2dmbUxNYXFNRUtXN0prZi1JOXhoejVyQWtnZ2pMMzZadmNXYWktbHhwT0VrM0cydy1YWXctWnRFSGFSX0Z6eGx6SzFkcndMSHpFYmNpNjI0RWlhVlVmVXc?oc=5) · Seacoastonline.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68210 (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 "68210", 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=68210
- 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