# TECH
Crown Point, IN · NCUA charter 68225 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tech-68225

Who the members are: state charter, organized 1936, low-income designated. 38,366 members of 1,200,000 potential (3.2% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $599.1M |
| Members | 38,366 (1.1% YoY) |
| Full-time staff | 145 |
| Net worth | $53.9M |
| Net worth ratio | 9.0% (p20 of band) |
| ROA (annualized) | 0.32% (p23 of band) |
| Total delinquency | 1.27% (p88 of band) |
| Net charge-offs (annualized) | 0.22% (p24 of band) |
| Loans / shares | 91% (p81 of band) |
| Cash / assets | 10.4% |
| Borrowings / assets | 0.67% |
| Net interest margin | 3.53% (p55 of band) |
| Operating expense / assets | 4.03% (p71 of band) |
| Vehicles % of loans | 28% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 58% |
| Third-party paper % of net worth | 154% (p65 of band) |
| Vehicle delinquency | 1.10% (p80 of band) |
| Vehicle NCO | 0.75% (p45 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 202% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 27% |
| Average share balance | $8,205 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $6.1M |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $40,026 |
| Loans granted, annualized | $175.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $6.1M outstanding purchased (11.4% of net worth), $2.4M sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 6.3% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | delinquency rising | thin capital |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency 2x band |  |
| 2020-06 | 4 | thin capital, net worth falling |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | net worth falling |
| 2021-03 | 2 |  | delinquency rising |
| 2021-06 | 3 | 3rd-party paper>100% NW |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | loans>95% of shares |  |
| 2022-03 | 5 | net worth falling |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 4 |  | net worth falling |
| 2022-12 | 4 |  |  |
| 2023-03 | 5 | delinquency rising |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2023-12 | 3 | members leaving | thin capital |
| 2024-03 | 4 | thin capital, losing money, delinquency 2x band | loans>95% of shares, members leaving |
| 2024-06 | 4 | loans>95% of shares | delinquency 2x band |
| 2024-09 | 4 | delinquency rising | loans>95% of shares |
| 2024-12 | 3 |  | delinquency rising |
| 2025-03 | 3 | net worth falling | losing money |
| 2025-06 | 4 | delinquency 2x band, delinquency rising | net worth falling |
| 2025-09 | 4 |  |  |
| 2025-12 | 2 |  | thin capital, delinquency rising |
| 2026-03 | 2 |  |  |

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

- 2026-09-09 [Tech Credit Union marches for labor and community at 107th annual Lowell Labor Day parade - GreatNews.Life](https://news.google.com/rss/articles/CBMivgFBVV95cUxQYW1abkprSDdnZHBDNlJLd2hsdWtNU084VWFaM1ZiNlNWZ3EwVGJBX1o0dE05QzZHd0hBNmZ0d091eC1VbDBzdTdfOGlYcU1EV25STDk4M0JKYmdXbm1jOU9oV1lkckdkOGRqM3JsZ3ZiZDZMTGszN0xNOGxLZTVlUXFMOEFaRTktY1llTWdzbUgtTDR5cWFONllVWjgyV0FUQWpRZXl0WXA3TmhhNUY2LUE2V1doaVh5cFF2ajFn?oc=5) · GreatNews.Life
- 2026-09-01 [One Membership, Every Life Stage: How Tech Credit Union Grows With You - nwitimes.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPNWVoRFNiQXF6MW9uVEtiMzVLTDctY21IbGF4bHVyZ2hzUjh4TnF3cV92WmdsbTRVamZqY09obTJlNEFaV1R0ckcxaE5aa2RQV1JPd19pd3ZjbDQxMlVCQ2dzNGV1WjI4TTJXMy1rXzk5QjlKdnhRREYyVVVNNWJla1BxZHR0aWRVNHFmQ1Vn?oc=5) · nwitimes.com
- 2026-09-01 [First Tech Federal Credit Union Personal Loans Review - U.S. News - Money](https://news.google.com/rss/articles/CBMifEFVX3lxTFBVVWkwQ3VhbWhZSnZ1OG1GamhKdnVVZ21aQ2lrMjVTTERIWGtoT3ZSc3BlUlJjb1lnZnBDOFFZX3dXVVVubTFqaVh0dGxYNWJWa3Y0cVlyaVhvaGZ4Snlqemp2RnEyd2h1RWVhRFZJaFE4MG92YzctYTRNU2s?oc=5) · U.S. News - Money
- 2026-09-07 [Tech Credit Union Lowell Labor Day Parade 2026 - GreatNews.Life](https://news.google.com/rss/articles/CBMiggFBVV95cUxNUm1FdndUT2tFdFR1cGFDcVNXTThnOFVXVVJnYVp0eXJuakMzZGZ2eEhCaWdaMmhMdUlpNXRVelhCV0VlZFJjM0MzTnZGeElCX0FqM1pvNGE0VnlURmZvcnhoeTE1ZlZsa3RZNXQyU0hmMUpmRXUtWTdxTGh1YTk3QnVB?oc=5) · GreatNews.Life
- 2026-09-03 [Virginia Tech Athletics and Virginia Credit Union strengthen partnership, add field logo to Lane Stadium - Virginia Tech Athletics](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOX3l3NnFxdnNrbGtkQnh5U2Z1UGhQdjdZTTFzVDhmdS1kMEVJUi01OE5NUjlrRGtRTVhRZEszS01IejR4TEJkbDVNWXdsWkJxYlpma2RsbTJwV1JCVTVyMC1oTUExU1ROVDNPdUc4QWpIa0ttWm01VklnbDRtVjNpczRjTjc0dVNQVjhLbW9wZWFRRFRWamNKdXA1Rml2QThZem9qN2pieGtucmRlMVcyZTlXMDdUMUFUdkFRdmpta2MxMENwVnpmZlJPd0x4SWZOMDFCVDZQS2pzUQ?oc=5) · Virginia Tech Athletics
- 2026-06-11 [First Tech Federal Credit Union review (2026): Fee-free accounts and 24/7 member support - Yahoo Finance](https://news.google.com/rss/articles/CBMisAFBVV95cUxOdUt5Sy0wWURGMy0xQWVnMThwV3FocmNDUk9PS25RVDZVancyaV92THgwaVVfSHJ6YWxVbzRXSVgteGEyMGNKQl82NVpOejRUUFV1UWFIejF2Nkg1TzB5dFVKSUVhODJDYW1CcFJWOE5ibFMtYlA1bzZnb2tuOGNfVEZLTEFPZkh4NndMeVNWQmlOeFlESVVtbUlmX3NFeU4wUWVWbERLQlRLVnFNMHQ5cg?oc=5) · Yahoo Finance
- 2026-09-04 [Virginia Tech expands Virginia Credit Union deal with on-field branding - Sports Business Journal](https://news.google.com/rss/articles/CBMiygFBVV95cUxOelVzQW9YWVBuOUphRGpxcV8zal9sVEM5LXJJOGhvSWhiR3o2WUVvVXctRFpOd1dUbDhJVnRVdWlETExMcVlreGVGaFJzM29GSXZsLVlCamkzM2NXS05kbWRJMWZvYXFKWWtjc29xNlFJb1VCMGVzaGdhMkNuZ3l6MGNOX1ptdGhtMklNLTEyTlU1SFgydXZVaW55RTItYWlCLUN1Y21sbEhaekRZcF9nOFk3MEV0cEV6OGZ1T2wzVFUwdkhTVWttcGJ3?oc=5) · Sports Business Journal
- 2025-12-09 [Merger of Digital Federal Credit Union and First Tech Federal Credit Union Overwhelmingly Approved by First Tech Members - PR Newswire](https://news.google.com/rss/articles/CBMihwJBVV95cUxOSkxpVWQ5V0xMTFpLRDRubU9aZzR2S3RlamxySTJweFlOeE9XckFPTlpFQWVxRWkzNHJsSXRLbV9YZno0b0J6Zm1HLWQ5RW9YNWw0aXBNMVAzSEFWQUNaTDZtMDhsR1ZkYnZQYVVqbC1jdklkTHc3VDFZVDdMcFl6TGhFQ1BuVlo2VnVKd1NrdHJOLXlQSHJlNkVUeHg1dzVxYldwOEo2Y3VYQmxtamRWZ2RrODdaOUdVSmVIYUtSTTEzT2hWSkllRFA2OWdLOUl1MHA4YVBWYjJ0ZkNQVlFxNnlkNVZ0ZUdWVmplclI2N2FIV2EwQ3R1WmZKMExBdHlFWFYxWXdQdw?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68225 (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/1.json (key "68225", 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=68225
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide