# TRAVIS
VACAVILLE, CA · NCUA charter 68429 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/travis-68429

Who the members are: state charter, organized 1951, low-income designated. 271,284 members of 7,857,102 potential (3.5% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 61.

**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 | $5.69B |
| Members | 271,284 (4.4% YoY) |
| Full-time staff | 656 |
| Net worth | $599.9M |
| Net worth ratio | 10.6% (p46 of band) |
| ROA (annualized) | 0.75% (p54 of band) |
| Total delinquency | 0.65% (p53 of band) |
| Net charge-offs (annualized) | 0.74% (p71 of band) |
| Loans / shares | 92% (p67 of band) |
| Cash / assets | 6.2% |
| Borrowings / assets | 5.71% |
| Net interest margin | 3.16% (p40 of band) |
| Operating expense / assets | 2.57% (p18 of band) |
| Vehicles % of loans | 35% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 250% (p76 of band) |
| Vehicle delinquency | 0.93% (p75 of band) |
| Vehicle NCO | 1.63% (p78 of band) |
| Repossessed % of vehicle book | 0.14% (p70 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 52% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 22% |
| Average share balance | $9,503 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $26,118 |
| Loans granted, annualized | $1.11B |

## 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 | 3rd-party paper>100% NW |  |
| 2016-06 | 2 | auto monoline |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 3 | charge-offs p90 |  |
| 2018-12 | 2 |  | auto monoline |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | losing money | charge-offs p90 |
| 2020-06 | 3 | net worth falling, margin squeeze | losing money |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 2 | charge-offs p90 | margin squeeze |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | loans>95% of shares |  |
| 2023-12 | 3 | leaning on borrowings |  |
| 2024-03 | 3 | net worth falling | loans>95% of shares |
| 2024-06 | 4 | loans>95% of shares |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | loans>95% of shares |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2026-09-08 [Travis Credit Union to Celebrate 75th Anniversary Sept. 19 - Independent Voice |](https://news.google.com/rss/articles/CBMirAFBVV95cUxON1liY2xxMkJHSGxjeGNHZTNaRkUzR19FTHVvcHpHZkVkUUhVM1BzdUZjcGFsbW1lby1JTzhWSTY2Y1ZyUW9pZUs5d3BlWVZtWVpobDFacS14WjlLOGJuXzM2allucnJTVWJlN0thTC02Qk9OSUsxNEhvWDVqSDJQMHZReVdabE9UUDRjWE53V3hOREZyNHVjdXZDR1dJd3dmYm52STFSRDVuT2lk?oc=5) · Independent Voice |
- 2026-05-28 [Travis Credit Union opens 24th branch, with focus on in-person relationships - The Press Democrat](https://news.google.com/rss/articles/CBMioAFBVV95cUxOdFJab1U1T1ZMN0JvVHNXdHYtYlhyUjhGNmJGVGJMUWp2WjlDS2ZEQ3ZIWnJKcXA0YUdDRmhWdFByRFlLeGp4ak81enVaQ0ZUd2pvTE55MWJjTVMzN0VQeEhyZWRfblVLbzR4NmVjbjVsdWpvaTJ3Sm92NzZub2tXUkMzckV1bkhtNDNGTUhIT0FGVVpCa2tkUk93aHlPVTNW?oc=5) · The Press Democrat
- 2026-05-21 [Travis Credit Union Opens New Pinole Branch - Yahoo Finance](https://news.google.com/rss/articles/CBMingFBVV95cUxOZkwxeFVoaFVpNEJVYl9QcmlvLUI4WUtUNzJhckFDZmdsYkg2UTF1T0pwXzY1WFRQSUZpSEJ3OGpHZWxsOXdmMGtwYVMyTHB2M1BNa1p1OEJrX2JHX19WU0JNUFlaZXU3VFZTYWFsVUNoV2xLaXl5NU1fQ0V4QVNiLUdIOVRVeFZMSk8xdTNXZDVkNUpfcnVtRlVvdXYydw?oc=5) · Yahoo Finance
- 2024-05-14 [Travis Credit Union celebrates grand opening of new Antioch branch - Antioch Herald](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNYnUxWkczemdtRmNFWjRLVDFsa3pma2ZQSlRyUXlDMHhGNVVPbjZxRnNZTHpQcjdmMFh5a3c3TGZfVFBvMjFqUXpWQVM3M3B2aXNRZllMQmZoVUd4QTk0TnZ3OUhVUUhpZG8zWkdGWUpkaGdPSEZCOHZYS0dTTzZ4N3h4RUk0YjlScEhhRUkxeURReXlmWXVBRm9IcGlLNnlsdlg5X0hTaWlfdWc?oc=5) · Antioch Herald
- 2025-07-13 [Travis Credit Union Offers a Free Shred Event in Clayton - - Concord Clayton Pioneer](https://news.google.com/rss/articles/CBMiowFBVV95cUxOWFpCY0R1VDhKR0RjR1FhTlgyNGl2YlViTjM3Y3NrTUY0SkFoZWJIRHp1SlRXVEtFWDZ0VmQwMUNnQ29xWDkzcmhFdjg5MndndTZtUGgtelBrVVNIdEY3dDJ3SkkweFlCOWVUOUVTdm9pTHN5V3U2YzI4ZFRwaVhoNlhNaFZqMmpxcjh2QzlQTGtZdUd3R2dFU3d3YUl3Q0dMakJF?oc=5) · Concord Clayton Pioneer
- 2019-09-02 [Travis Credit Union Wins Distinguished Service Award - East County Today](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNeXVBc2tmN1dTdGhtbndXYWd2LTJuYWxrZU1VM3EyWTNTWUhsNGZtSWRZUTFROFlycTZtanQwLXAxYUdmd0U5MnN0YUVXXzhrLUxGcmoteG0tRWJfVDZ2M3FvYzNWZ3BGOVdkbWpZb1QyNEY5WF90bEY3OVI2eW95WUo0T2NUaENT?oc=5) · East County Today
- 2022-01-09 [Travis Credit Union hosts 1st financial inclusion forums - dailyrepublic.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQbmVfVWUyZXNNTFkwTEpaMEx4TTRjVDhCWE1HSUR5dVZDdkVRSEpaeWNaSVdTd1R1eXNtU0ROWV9kdTdEYW9IQmxSMmR2RjZ3UngwQUpLcjMwWTh4RVcyY0lLeW02RVZfdHZVREh5V3JwZEdSdlJUNUFPRGswMm9XRnBSRGphdXltN3BtTW9ZOWJOZElqLXl6S1labGpEWTVhem1qWkxrYktncmpra0JkT0N1LUR6aGFEZndQYWdJN1BVbWxHcWVka01MeFZZSWdLWWRxMURjcmZxRkt5LWM0Z3hrODFmZTkwNFYtQkp1cjR4N2s?oc=5) · dailyrepublic.com
- 2022-03-30 [Thomas Kevin Miller named as new Travis Credit Union president - thereporter.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPRlJseEdXeGVGTGI0YmZNLWRKYzNkSk9hcW5MRkNFS1BrS3ZyeGVGRUJ4Y3hTaC1fRlMtN2ZFV1pBQVJPYVVFUy1FdDRZMWFEVHhQcFRoX05YMDhpU3ktaW1CbTJ6OV91OVdES0RPU21Sb0prbTdjYUFObEhTM3Q1Y3pQeUVSc1lsWTRvZnU4WHN2QWFUU2NsOEk5bGlBZ0M4YTVMNQ?oc=5) · thereporter.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68429 (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/13.json (key "68429", 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=68429
- 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