# TRUPARTNER
CINCINNATI, OH · NCUA charter 95802 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/trupartner-95802

Who the members are: state charter, low-income designated. 13,913 members of 1,671,934 potential (0.8% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 88.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $163.5M |
| Members | 13,913 (-4.0% YoY) |
| Full-time staff | 43 |
| Net worth | $17.9M |
| Net worth ratio | 11.0% (p40 of band) |
| ROA (annualized) | 0.04% (p11 of band) |
| Total delinquency | 1.43% (p86 of band) |
| Net charge-offs (annualized) | 0.94% (p88 of band) |
| Loans / shares | 56% (p25 of band) |
| Cash / assets | 14.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.96% (p68 of band) |
| Operating expense / assets | 4.37% (p74 of band) |
| Vehicles % of loans | 24% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 30% |
| Third-party paper % of net worth | 193% (p84 of band) |
| Vehicle delinquency | 1.50% (p85 of band) |
| Vehicle NCO | 4.51% (p98 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 102% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 12% |
| Average share balance | $5,168 |
| Participations bought / yr | $4.7M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 88% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $6,623 |
| Loans granted, annualized | $19.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, members leaving |  |
| 2017-06 | 1 |  | net worth falling, members leaving |
| 2017-09 | 1 | members leaving | delinquency 2x band |
| 2017-12 | 0 |  | members leaving |
| 2018-03 | 2 | losing money, delinquency 2x band |  |
| 2018-06 | 1 |  | losing money |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | delinquency 2x band |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | thin capital, net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 0 |  | thin capital |
| 2021-12 | 2 | thin capital, loan book shrinking |  |
| 2022-03 | 5 | net worth falling, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2022-06 | 5 | delinquency rising, members leaving | loan book shrinking, net worth falling |
| 2022-09 | 2 |  | thin capital, delinquency 2x band, delinquency rising |
| 2022-12 | 4 | delinquency rising, assets shrinking |  |
| 2023-03 | 3 | delinquency 2x band | members leaving, delinquency rising |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 6 | charge-offs p90, members leaving |  |
| 2023-12 | 7 | losing money |  |
| 2024-03 | 7 |  |  |
| 2024-06 | 4 |  | delinquency 2x band, delinquency rising, losing money |
| 2024-09 | 5 | delinquency 2x band |  |
| 2024-12 | 5 | losing money | delinquency 2x band |
| 2025-03 | 8 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2025-06 | 6 |  | assets shrinking, net worth falling |
| 2025-09 | 4 |  | charge-offs p90, delinquency rising |
| 2025-12 | 4 | net worth falling | delinquency 2x band |
| 2026-03 | 4 | delinquency 2x band | losing money |

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

- 2021-04-22 [Two of Cincinnati’s largest credit unions bring in new CEOs - The Business Journals](https://news.google.com/rss/articles/CBMigwFBVV95cUxOODJUQjIzb0c1TGxBZnp1a0xfTVZNMHhwS3cxVll6R08zWUY5UDdYMGRsY1VDMEZoTW5DLVk5MDlxVFNTSG9nRUV1TW5hdmQ1ZFJ1N3FsN3U4QzJ2OHRfMHBnbGlhYXVQUTVkOFpwWUI2eTVSUjBSTXRxR1haVy0tc0Zhcw?oc=5) · The Business Journals
- 2025-05-21 [Google Wallet adds a whopping 36 new banks and credit unions in the US - androidpolice.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUHlHWEtUM09hRnNKOFF5U2JBQzdqN2ZvYXN4N0JXS1lXM09mVjMwTFhRU3AyYVNNR1M0Nm5QWWdjSXExbWd1ekZud1B1bVdTQVpaTGhBb01sZEVoMnhERmN6cTl2YlJzVlJaX3BPNXpJNk5hRm5HN094TGJReUZ6M3Q1ek5PU01F?oc=5) · androidpolice.com
- 2021-04-15 [Pair of Cincinnati credit unions name new CEOs - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxNVDVJWEJKcWhncGNIVnRTZ1FCajQ2X1JTTzZocjFpd2RaZVpsVlVsTzhYUjhfVnk5NUdjOTk0NVpURHZNTnVfMFgxY3ZKaVdLTDJwTnoyUWNaYWZfQmtkTUFSQloyRG9idjZ5N2lZOUxiNVQ1cGI3Y2RjeUVDRzNKSXB2TEdITC1SaFZzUFJUUUUxZklIZVRtWXk4Zw?oc=5) · American Banker
- 2026-02-26 [Behind the Industry's New Push to Elevate Small Credit Unions - CUTimes](https://news.google.com/rss/articles/CBMinAFBVV95cUxPeWcxTkJMNGtMWWY1NHdnLTVMb2NUcnZicGZidjBZZ3NFeEF5b1pKRGhaS2FLRkhZYlgxdTBYMzhFaUt2aW1hU0puUExqa2Fzd2VWajRWN1BrTURNTk00bURzcDA5dWNGcjNkX2lsSld5X3dTMXRCcHZDTDZ6dW5IWkl2dFppR193NndJN2FydlhzZl9ob2hUUkhaZjI?oc=5) · CUTimes
- 2025-10-22 [Ohio Congress members keep up fight for health care as government shutdown continues - Ohio Capital Journal](https://news.google.com/rss/articles/CBMixgFBVV95cUxNT0VPOV9UcDhmbVB0N2Z2WTMzeVo3T1JVM2NaeXRNalg5blRPekxaVHd0Z1F1V1B4b083S1l3a09FWjRyT0ZGMHJMbEloVHZhbTdOV0FqdDhrazJ0blVTQjk4ZHVGYUhSN0E2SjhrbjVxSzVLb042M21GZlNpNEJzeFVxQXZkb0ozLWlvTzNFQUR1UFNBbFBYazM0akRMNHVaQVk3U3Rhc0Qyb3FhRU8zam03STdGTnNfdHFjSXg5aDF5NFdlZFE?oc=5) · Ohio Capital Journal
- 2015-11-24 [Cincy Business People: Who’s on the move? - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMikwFBVV95cUxNUXdEY0ptV2ZIaVVhLVZGaUtoYUJDZlNWdWZabUFuTU5mU2d5TlhuSjVWR0FyZWdxTDlZR0JTajhpZlUyZDYzTVF3bFYxeGRYRjI2d2dJeElyMDBhVnVSM3lmYWp3NHJxbkRPT2V0amNOaVJ2Znl3RWxrbkZzaF82MDNYdTM0bVV6ZlpDOGcwZVltdEE?oc=5) · Cincinnati Enquirer

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=95802 (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/58.json (key "95802", 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=95802
- 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