# TOPLINE FINANCIAL
Maple Grove, MN · NCUA charter 68731 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/topline-financial-68731

Who the members are: state charter, organized 1935. 69,773 members of 3,612,126 potential (1.9% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $1.15B |
| Members | 69,773 (-0.3% YoY) |
| Full-time staff | 168 |
| Net worth | $112.2M |
| Net worth ratio | 9.8% (p29 of band) |
| ROA (annualized) | 0.51% (p32 of band) |
| Total delinquency | 0.65% (p53 of band) |
| Net charge-offs (annualized) | 0.40% (p35 of band) |
| Loans / shares | 90% (p60 of band) |
| Cash / assets | 9.0% |
| Borrowings / assets | 2.82% |
| Net interest margin | 3.57% (p68 of band) |
| Operating expense / assets | 3.67% (p75 of band) |
| Vehicles % of loans | 27% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 67% |
| Third-party paper % of net worth | 172% (p60 of band) |
| Vehicle delinquency | 1.14% (p84 of band) |
| Vehicle NCO | 0.78% (p37 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 98% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 18% |
| Average share balance | $7,354 |
| Participations bought / yr | $30.6M |
| Participations sold / yr | $2.1M |
| Participations outstanding | $128.8M |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $20,833 |
| Loans granted, annualized | $299.1M |

## Participation posture (from the same filings)

Bought $30.6M and sold $2.1M in the latest annualized quarter; $128.8M outstanding purchased (114.8% of net worth), $896,087 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 3.5% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2022-09 | 4 | thin capital, loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2022-12 | 2 |  | thin capital, leaning on borrowings |
| 2023-03 | 4 | thin capital, leaning on borrowings |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | thin capital |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | margin squeeze, delinquency rising | loans>95% of shares |
| 2024-12 | 3 |  | margin squeeze |
| 2025-03 | 2 |  | leaning on borrowings |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-04-09 [TopLine Financial Credit Union Members and Employees Give Back to the Local Twin Cities Communities During March Minnesota FoodShare Month - Yahoo Finance](https://news.google.com/rss/articles/CBMipgFBVV95cUxOcDFoZll5aFo5cUtXR0tGZzVpTVlMYVZzNzVjR2RHNnhJZVllLWhwb2R0V1BRUDE2RVFHd2k4SExMdU9HQlU2ZGZnODJEaVd0Zy1PT2xCa09IQWdnZGh5UEJDRTNEalBiQ0hxRkRnSm5sLUpFWl8tYjJqa2EyV3lEM0Y5WVFiam9QWmRVUWVYTzQ5STNKOThqeVdCQURFUUl2czc3NDRB?oc=5) · Yahoo Finance
- 2026-05-14 [Women in Business: Vicki Roscoe Erickson - The Business Journals](https://news.google.com/rss/articles/CBMiywFBVV95cUxQOGVaR0dUcGFqRUNfTU9MUDVIRmMyai1Xb3FyTmN4TFhsd2tWaUJESmg5WW1ybklLUTJtRDlUZmlzSHFEcjEzTEJjemxjZF9wZzdOa2lKeDBQY3p3d1FncnlBeGxLWlQwTFF0OC1xT1JFVUtXZ3BCc2FuN1NmeVRWdkR4SzFOUzBpUUR4SDdMbEVuekxyQmNSSDQ2Zzh4cER1dWVzQTc4dm5PVW40bHhsbnpvZ1htLTRYd0cyWEZ0RHQtYkNjZVNGQ3RhQQ?oc=5) · The Business Journals
- 2025-06-09 [TopLine Financial Credit Union opens new Maple Grove West branch on June 9, 2025 - CUInsight](https://news.google.com/rss/articles/CBMivAFBVV95cUxQRW9zZmpjRTUyY0hIeGNWdE5mdzNIbnpDTG0wbmxqZ2kwS0c3Tk5SdzBCaG5qb1JnbHdQZzcxejRzdi1VU25XdlFiSjRPY1RtU1d4bXBaRXNkbkJDZnBqcl9pSTllQjNWanpxM2JXdVlsUkNGY2kxOF9CRXE1dzRFTkNiNE5sYVVlZGJ5elJOQjRVa3RlNVd1U25zeVQ2RlZqVllmRHVDWjd0TGVFYlM1MHQtRkNiMTc5dFJVUw?oc=5) · CUInsight
- 2026-03-04 [Women in Business Day 3 reveal includes leaders at Allina, Topline, Minnesota Black Chamber (gallery) - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNUHVtdHZob3pUa0NHdHJCSmNKc3NyQVVGRHplMGdKVkQxUTFHYnBXUGpXcVhEYnBMMnFsSE5yYktfc1A2R2huSHZJaVdTUkxJblIwWThkTWhpU2RlTzFFM3YxMXZXTFBUU044ZDRuVFdZbkpKeDNkajlYZll2QnBJdHN6OFV6cl84bVJ4dHFmY24yWUM2M1BOMkxCelFVQUk?oc=5) · The Business Journals
- 2025-06-05 [2025 Best of Business: Financial Services - Twin Cities Business](https://news.google.com/rss/articles/CBMidkFVX3lxTE1qRjJYMHFPeTlmV1NsRV90V25vNGxoeVZtcEF1cDhwTVdoU2xwY3ZJLXlXZEZORVZoWHZXenhBcGRiQ2N3MEotdkl0TWxzZEJSUGR6MnJZS1ktXzRMaEhWX09DWWIxMm9jMW0zLUlmM3dUUjhBOUE?oc=5) · Twin Cities Business
- 2025-06-10 [TopLine Financial Credit Union receives Twin Cities Best of Business 2025 Reader’s Choice Award - CUInsight](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQOEpjQzZ0cWM5WGU3d1RqR1JYMExYYk1HMU9udHVMUWcxTXZ2V2NjUFVEOVFGUDVydFllTVVadmJ4dG9JVWpXWkQwNmV1WkNfZkFHSWFlUGVqTkxEZWppcGZaTm1HUjh2cmhsdGVGTF96WlR4OWo4OXRnbXdqZ1BjQjJMODdxcC1KRVRWTV9MdmU3YzczdldGRkl6QUZsaXFGNlpKclJzc3lMU0kwekxGY0g3ZGxWTHNXbTlEcm42aXBka1o1SGJ5dk9FamVhVHgw?oc=5) · CUInsight
- 2024-10-15 [TopLine Financial Credit Union Opens New Maple Grove - Arbor Lakes Branch on October 21, 2024 - manilatimes.net](https://news.google.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?oc=5) · manilatimes.net
- 2025-05-20 [TopLine Financial Credit Union receives statewide recognition for member service initiatives - CUInsight](https://news.google.com/rss/articles/CBMizgFBVV95cUxOQ1M4MW1ZMnNnZU96dC1XczRXS2JDWGNQZ0JDTnNoNi1lT056RTRXVjdXM01BeXZyd19xajY3VV9GN0ZxR25lcW1kcmtpQkhmMzlTampiRlpPUlpHbEo5aTdiazRPSFNKeTd2YzJRNkZESFRXR09LVXVUMGFIM3FpS0laaW1PdU5yX1BSZ3A0Z3gtVUNVd3NaWnVDUGo3a0hob3lraTAtWFl3LTRUWW42QTQ2ejItMnd0V0tzNUItVml0MlRaVEtTTFM5NHcxdw?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68731 (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/59.json (key "68731", 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=68731
- 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