# TRI BORO
Munhall, PA · NCUA charter 794 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tri-boro-794

Who the members are: federal charter, community charter, organized 1935, low-income designated. 7,748 members of 900,000 potential (0.9% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $130.6M |
| Members | 7,748 (-0.6% YoY) |
| Full-time staff | 26 |
| Net worth | $18.8M |
| Net worth ratio | 14.4% (p79 of band) |
| ROA (annualized) | 0.85% (p60 of band) |
| Total delinquency | 0.38% (p30 of band) |
| Net charge-offs (annualized) | 0.17% (p30 of band) |
| Loans / shares | 78% (p66 of band) |
| Cash / assets | 13.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.67% (p49 of band) |
| Operating expense / assets | 3.30% (p37 of band) |
| Vehicles % of loans | 26% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 68% |
| Third-party paper % of net worth | 81% (p66 of band) |
| Vehicle delinquency | 0.21% (p22 of band) |
| Vehicle NCO | 0.63% (p56 of band) |
| Repossessed % of vehicle book | 0.09% (p78 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 33% |
| Average share balance | $7,051 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $20,764 |
| Loans granted, annualized | $16.7M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | repo signal |  |
| 2016-12 | 0 |  | repo signal |
| 2017-03 | 1 | 3rd-party paper>100% NW |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | assets shrinking |  |
| 2018-03 | 1 |  | assets shrinking |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 4 | delinquency 2x band, delinquency rising, members leaving |  |
| 2019-09 | 3 |  | delinquency 2x band |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | net worth falling, margin squeeze |  |
| 2020-06 | 3 |  | delinquency rising, members leaving |
| 2020-09 | 3 | members leaving | net worth falling |
| 2020-12 | 4 | delinquency 2x band |  |
| 2021-03 | 4 | net worth falling | delinquency 2x band |
| 2021-06 | 5 | delinquency 2x band, delinquency rising | net worth falling |
| 2021-09 | 3 |  | 3rd-party paper>100% NW, margin squeeze |
| 2021-12 | 2 | 3rd-party paper>100% NW | delinquency 2x band, delinquency rising |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 3 | delinquency 2x band | net worth falling |
| 2022-09 | 2 |  | delinquency 2x band |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | members leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | members leaving |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | 3rd-party paper>100% NW |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | members leaving |
| 2026-03 | 0 |  |  |

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

- 2025-12-02 [NCUA Approves 41 Credit Union Mergers During 2025’s Third Quarter - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxQV1IxTmFXNzRCTWxqWW5zOHBOLWVlZGo0MzZGV2ZqTWlCUkpfNXRtc0FUNXBWZjdRemt6eDBXdGZKa0M4aklYRTlQcGY0dHlTTjNjaVpLa040VnM2T3dScjh1YUhYdFprZU9fWVBjYlF2WVNkM1p4amZpTEhHVE5yNzA3X2lIVVQ4WV94bHVvd1lOdGE0U3E3eU5QX1E1UVprX0E?oc=5) · CUTimes
- 2024-10-17 [Thomas Burke Obituary Oct 17, 2024 - George Irvin Green Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE5xOWVfYUszR2hkT0ZVM0dERS1WMzdaSkFWY2VuY25aOTR5NjVyS0JrZlNnZWkxX0V6MkcwdFNEYWxnak8yWWdZUGdMN0JLNFlUeW9mMm1aaEUyNVJtT3ZIR3dMRUJ2Zkl0NHhoUFFkYTI?oc=5) · George Irvin Green Funeral Home
- 2021-11-18 [Obituary for Roderick P. Sullivan Sr. - Bekavac Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE5jbUV5VU43aWdLNFlsSVdzemdNekN1MzVibEpfeFdFZ09PclhRWURGNEVZaFg1QzMxZjVKblZNTWFHUnJmazdqUUh0LTlHa3RUTW83XzVzSmNEbFoxYm5aa1VNM1FCVVBCVkp3OTVSdTk?oc=5) · Bekavac Funeral Home
- 2024-06-02 [Brandon Sommer Obituary - PA - The Morning Call](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9sLWxla1BXWW9KZ0VDV0J3dm9YQi1iOEtWaG82N3R5cXduVU5Oc2RPYkFZUm5LNERPTWlJUmVqMDQ0RlVTeFo5S0lQbmRpU3hfWWh6Y3JmM3ZZOHhLaHhFX01ZQQ?oc=5) · The Morning Call
- 2023-05-02 [ROBERT J. KOSKO Sr. - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPWVpFNnkxSEY4S2N1Z2NyWmxCb0Z2bEhSWGFiN2dxMllQeEgtLUc3RWNmWXBURW9xejFPbEg0SHk5VUJLWTdwTkJvdXpUejRqVDIwVVZabGd4VlVUbmIxaTF3SkVEazdURnBQZ1JJUmI0U3VPUU4wamxLaDFmbzFMa1o2ZmJ5aVZmM1lER1hNNA?oc=5) · legacy.com
- 2011-10-09 [Benjamin Noblet Obituary Oct 9, 2011 - George Irvin Green Funeral Home](https://news.google.com/rss/articles/CBMid0FVX3lxTE5FZ3JfaGg0d19KbGpVUDAtMVNiZTlqaW5iZGlQZEJ5QjUtTW9DUDNpYjRXMHhmOTdHNWsxcXJCS3ZTV3FZNlYtSU0xaUlVeGp1Z05MUl84NTl6cjNMWkFpUWtHM25yTHhxWDBuMWRxMVFRcUlZb0VV?oc=5) · George Irvin Green Funeral Home
- 2023-04-23 [BENJAMIN D. NOBLET - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQcVc3SFM2WGJNanRkdGV4MmlqWWV4WHJlbnBTbDBpV3NVeWZfckxqeHFKcFpjQ2N0QUFvc2NCbmk2b09Rc0tCZTA5eTZ5SmpOZGlwa0pyYXBobzluZWhEb2RhM19XcFA0aXlQUDlZM2dUQUdtMUl4UVpXSUdmZ0IzOGxVZnFscVBGSlVZZ20ydDRVVTQ?oc=5) · legacy.com
- 2011-01-10 [Emil Slivka Obituary (2011) - Augusta, GA - The Augusta Chronicle - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQTy1McnZNTUNPWWZ3RUMwQzQwanVNekpFNGsyQjRpdUdnVTZfTVpQbV9zbE04a3RuS3U2djFoVDRFOUVpTnZFWHJnSzB4dS1vZHEwNWtSblhtYmVLRHc2TVhrWDc2ejRrbENCb1pYcTJiektIMHJTQUZlUW45eUJ0N2RYNjJNeEFKa0lIbHFHeHFiTmM1a0E?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=794 (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/26.json (key "794", 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=794
- 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