# TIPPECANOE
lafayette, IN · NCUA charter 8654 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tippecanoe-8654

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 1,299 members of 1,500 potential (86.6% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *auto monoline*. 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 | $15.3M |
| Members | 1,299 (0.8% YoY) |
| Full-time staff | 3 |
| Net worth | $1.9M |
| Net worth ratio | 12.6% (p35 of band) |
| ROA (annualized) | -1.04% (p10 of band) |
| Total delinquency | 0.74% (p54 of band) |
| Net charge-offs (annualized) | 1.78% (p92 of band) |
| Loans / shares | 46% (p33 of band) |
| Cash / assets | 59.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.17% (p62 of band) |
| Operating expense / assets | 3.37% (p43 of band) |
| Vehicles % of loans | 68% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.60% (p55 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 28% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 0% |
| Average share balance | $6,044 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $7,345 |
| Loans granted, annualized | $2.3M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | net worth falling, delinquency rising |  |
| 2017-06 | 4 | losing money | delinquency rising |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 | charge-offs p90 | delinquency 2x band |
| 2018-03 | 2 |  | losing money, charge-offs p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | delinquency 2x band | net worth falling |
| 2018-12 | 2 | delinquency rising | delinquency 2x band |
| 2019-03 | 4 | delinquency 2x band, assets shrinking |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | delinquency rising |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | delinquency 2x band, assets shrinking |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 5 | losing money, charge-offs p90 |  |
| 2020-12 | 3 |  | losing money, charge-offs p90 |
| 2021-03 | 5 | delinquency 2x band, delinquency rising |  |
| 2021-06 | 2 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 3 | net worth falling, delinquency 2x band |  |
| 2022-03 | 4 | delinquency rising |  |
| 2022-06 | 2 |  | net worth falling, delinquency 2x band |
| 2022-09 | 3 | delinquency 2x band |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | losing money, assets shrinking | delinquency rising |
| 2023-06 | 5 | delinquency rising |  |
| 2023-09 | 4 |  | delinquency rising |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | delinquency 2x band |
| 2024-06 | 5 | net worth falling, delinquency 2x band, delinquency rising | losing money |
| 2024-09 | 2 |  | assets shrinking, net worth falling, delinquency rising |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 5 | net worth falling, charge-offs p90 |  |
| 2025-06 | 2 |  | delinquency 2x band, delinquency rising, net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | delinquency 2x band |  |
| 2026-03 | 3 | losing money | delinquency 2x band |

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

- 2026-07-01 [New Wright-Patt Credit Union Location in Tipp City - Tippecanoe Gazette](https://news.google.com/rss/articles/CBMiekFVX3lxTE00Vkt2UFg4czVxRU90QUpUd0QtTF9ZaVpvenlmWFd3aU1zS2MzYjdqc1JlakFabXlmZnNkWGMxYWxKcl9LaWJLbS0tLVZ4ZWJLOWpBeWxBUzNReXV3X0FLOTBlWkFETlZuN3hsdEJJeGEzc2hrU1JFdG1n?oc=5) · Tippecanoe Gazette
- 2026-06-16 [Art in the Park’s Latino Cultural Night to take place June 16 - starcitytv.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPTGZRanJTenFacjZtV0NLSU81Q0RST1J2bDZWTnhTVzZBbUo4TU1wQ09tS1hNRHl3cWR4MHlzSkpBWnlZVjJCei1WS09STnBCSGVFMlVSVC0ybHJMMFUzMUJCQVNaMWxYZURDdWRqWGt2dGdqbmJHM1E1VEtVZXF4NF9nOHFFbWNRR3puREVaek53Z0lHRlJYR3lkdlNhLTVzU0JoNXhCOFlEVDBEdzNHWHhsSWxTbTRMeGtzLVZQTDRXRFJmZjQ0ZDBPUFVwOVhwMmtDUnQ5MEZMaWFGVnlLWWNyVWdXSFZtaVNfdw?oc=5) · starcitytv.com
- 2025-12-19 [Abbey Credit Union makes Tipp’s Holidays “Storybook” - Tippecanoe Gazette](https://news.google.com/rss/articles/CBMie0FVX3lxTE50XzNSUVVjRjRoY01XWlFRaElldVYzM2tCQ1BZemp5ZUlDWk9JaDlWWXZZLUhCaS1ETGtMejV0SzFKSDU0VVh3Tnh3UEx0Z2NFYWI4Tk1IX1h6WGs2U2FqbV9NemU5SmI2YlY5YzVuWC1tam4tWVlidkttYw?oc=5) · Tippecanoe Gazette
- 2026-03-30 [JoAnn Watson Obituary (2026) - Lafayette, IN - Tippecanoe Funeral & Cremation Services - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQcXJGaW9ZYWZKelRpdmpHR3F6aTNQM1JJTHJJVExJSUdUWGdXamNwaER2Wl96VzBrOWRxTzk1NDQ0NDlFSnY2YUlYU2VQQWlGV3V0TUlyalJ1aW5BdTQ0SV9LRVZIaVJQX09LdEZKOHRIN3VfRmtrMXkyRXRPNGZjUg?oc=5) · legacy.com
- 2025-11-14 [Tippecanoe prisoner faces three charges for alleged possession of a deadly weapon and battery - Purdue Exponent](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQWk9DV3Nna2ZmREpkOEtjeG9lQmlYRjhxVkVUZHFxeUNnUTdRYnBNU3gwdU1wZ3RKS0FOc2RmQUVVakJCcDRjZmZGUmhvYTkzdHEyeTFoSFVaS1hrLW9XcVZ0Mkd4aU8ydXRnLUhEWW40MVpJTFJVZDEwb2tPRWUtVTNxWFlsanBzN21nSFZQLXhkNGZNejhFak12TnV0YXdCNmY1ZDNqXzdid0V6emE3RFNXaV9rNWs1Y25wU3Awcm4yczJESlNvdFc0cmoyVkxPMWhSZEVsaWFzampGRk9z?oc=5) · Purdue Exponent
- 2026-04-03 [Tipp Schools and Abbey CU Launch “Students First” Program - Tippecanoe Gazette](https://news.google.com/rss/articles/CBMiekFVX3lxTFBhOGhadS1FWVZGNXJPZ0ZJNXB5ZXdvQ1pfU25BbTBKU0VlRzAwMXppQTVPaUdaLThaSDNYWFJibFhsNGl2elhjbnBvd0ZXaHEtOGJwdTNTWUZfTE1pX0lJbi1xOGMwSmZLQWRhbWRRa2NTYnRXS0wyWGR3?oc=5) · Tippecanoe Gazette
- 2025-01-23 [West Lafayette police searching for at least 3 suspects in ATM theft - WTHR](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQUXpCTXBXYldfOWlUOWZ3d1g1am1rOGxhQ28tVGxWX0V4dEFVMzBtenNHUEItYkdnX1F2eXpBaFZqZ0dkNUJ1SFNrdC1MTjRhZWlGSjJkV1dqUkc2cXo1azB2Q0lERm5ScjJybWUyWTAxNzJKNGJjVmh6MnpibFd2S3RkTmhRZDVtaDRpcnlBVWxPMzMwbVhWd3A4YmgtTVdqTE1qNW9LbDREU3BudFFvQklIRUhmRXp4R2RiMWtoemctdnpTVi1XS2VlNGE0cXJrcFljdkNCZGstbVhHWkRPRHVWLXpRalE1bmVPN0xQMA?oc=5) · WTHR
- 2019-10-28 [Card skimmer found on Purdue Federal Credit Union's ATM - Journal & Courier](https://news.google.com/rss/articles/CBMitwFBVV95cUxOdjZYbXczMUFVT0pqcVBkbGkzeklKbHRXMjQ2RS13MTU2SW5kbzZKQk9IWXNKLUllQXpodHZQZ1ZPeU4xeGxrcHY2QXhrNDZhVkNoTkY3M3Fxc08zU3gxNUVScE1sZEFuRTVZSkY0aEpwek9sTDJFV3IwTEpRQllLQldqSURaNkRFNWVCeUlGcEljSXdZTUN3dXN0eEpwWWZWRzNaSDZrdE9kUG1odXFkU09NOTRLWGM?oc=5) · Journal &amp; Courier

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8654 (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/14.json (key "8654", 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=8654
- 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