# TALERIS
Independence, OH · NCUA charter 95821 · asset band $50-100M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/taleris-95821

Who the members are: state charter, organized 1935. 5,343 members of 15,000 potential (35.6% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $65.2M |
| Members | 5,343 (-9.5% YoY) |
| Full-time staff | 13 |
| Net worth | $8.4M |
| Net worth ratio | 12.9% (p56 of band) |
| ROA (annualized) | -0.44% (p6 of band) |
| Total delinquency | 0.26% (p29 of band) |
| Net charge-offs (annualized) | 0.12% (p30 of band) |
| Loans / shares | 79% (p80 of band) |
| Cash / assets | 12.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.53% (p50 of band) |
| Operating expense / assets | 4.78% (p87 of band) |
| Vehicles % of loans | 43% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 81% |
| Third-party paper % of net worth | 187% (p91 of band) |
| Vehicle delinquency | 0.19% (p25 of band) |
| Vehicle NCO | 0.29% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p39 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 174% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 21% |
| Average share balance | $5,704 |
| Participations bought / yr | $22,000 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $33,708 |
| Loans granted, annualized | $5.5M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **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 | losing money |  |
| 2016-06 | 3 | expense trap, 3rd-party paper>100% NW |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | net worth falling, leaning on borrowings | expense trap |
| 2017-03 | 4 |  |  |
| 2017-06 | 5 | delinquency rising |  |
| 2017-09 | 6 | loans>95% of shares |  |
| 2017-12 | 7 | delinquency 2x band, repo signal | delinquency rising |
| 2018-03 | 4 |  | loans>95% of shares, delinquency 2x band, repo signal |
| 2018-06 | 4 |  |  |
| 2018-09 | 3 |  | net worth falling |
| 2018-12 | 5 | assets shrinking, loan book shrinking |  |
| 2019-03 | 7 | net worth falling, expense trap |  |
| 2019-06 | 5 |  | leaning on borrowings, net worth falling |
| 2019-09 | 6 | repo signal, members leaving | expense trap |
| 2019-12 | 8 | expense trap, delinquency rising |  |
| 2020-03 | 6 |  | repo signal, expense trap |
| 2020-06 | 5 | net worth falling | assets shrinking, delinquency rising |
| 2020-09 | 5 | margin squeeze | loan book shrinking |
| 2020-12 | 6 | delinquency 2x band |  |
| 2021-03 | 5 |  | delinquency 2x band |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | leaning on borrowings |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 2 |  | losing money, net worth falling, leaning on borrowings |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | losing money |  |
| 2024-06 | 2 |  | assets shrinking, losing money |
| 2024-09 | 4 | losing money, assets shrinking |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 | delinquency rising | assets shrinking |

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

- 2025-05-01 [Pathways Financial Credit Union Expands to Greater Cleveland With Taleris Credit Union Merger - Newswire.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxPMVJZQVI0VWlNYUx2b1RCMzNPbzVvVmFTaFJFLVVvakhJOXJZclEyYVFCT3NCOXg5cTUyV2hXaElVVkg4TzdHLTRqWEczamVkR0dOMi1nYWR6WXZKMmktdi1IWFU1MUFlRTZPdng5NlNTcXFFUlIyWEZWb29UUUNOMjExdDVBTjBmTEZEXzlScGNpYm5reWZ4VnZzTE1LTElkVjBLSHFOTQ?oc=5) · Newswire.com
- 2026-01-08 [Pathways Financial Credit Union opens newly renovated Seven Hills location - Cleveland.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPRF9UZWJFM1ZVLUVwUmY0ckZuOEFFcjdYR2dLYVJ0a3dWTUJIV3hETTdfQ0g2RzRJVy1uR0pkYXBrM1BTWVpaTFVKUlNWVlpuYzRLcEJZMHljZ1g0QVNka1VOU3lIX3J3RXpsaWx4b3VjR0dLWU5kanRla2ZnNDlBQ1FNZXp6UHVkRHBiX3dVU2FCajdJMWpDcElvUlRhTk9EbllmdnJmSzUwa3RGcDNGYVdMM1VDc2NJSDgwNURTUDk?oc=5) · Cleveland.com
- 2025-06-25 [Fast-growing Central Ohio financial institution moving to Dublin from Columbus - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxOYjdsREF4UF9QUEp4QkNPVkdpRElqelQxWlEzdkNqOVpVV20yNXBWVXFnWVYyVE5QeEVkV0taY3NZTURkRlhDaURyTGh2Uk4zSnd6alB1OGhNQ3RWc2F6bW1GUEZjZEExNTdLbjk5Y0pqUDNQQTBYRGZGV05xS3RhTkZpQ1F2RkpGZlhzRjFkb1hIN0dMVkE?oc=5) · The Business Journals
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMiigFBVV95cUxOamFCQ2FkT1VtcFJlS2pTd3p6dGhjWlhZSXlPRjYzWFNPR0hHMWt3QnVIWlVRSlJreXI4V09zN2VvMkZRcEZYNk5Wei1mZXFoREVnY2RPMFVXSjJFYTl5VzJ4UmIwVTVvNFNPT2EwdWlKSUhwSWkzdkZmMng1emFPNHdzSFMyenBka2c?oc=5) · Newsweek Rankings
- 2025-02-27 [Pathways Financial Credit Union Welcomes SMART Federal Credit Union Members - Newswire.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPQXNBdHZ5RWYxcUFqSFJHX2hVOEhWSExWTmp3LVkwckdSVW1PbHB4LXlwd1JBTUFsY3l5NkdCZzVOamNoRXN1akM0SmhTeUJXdDIxMHZteVNWSFRjakJ1eUxDRmNKNVV0T3FMUWFUZnJBVnl4OThVSTVUc0hVVjVaNVZhM1R4UldOVFhrWWxXMTN0UHVLYXg0Q3gwM3ZRd01vdHhQYjZsZHZMZw?oc=5) · Newswire.com
- 2025-03-03 [Think Your Credit Union Is Federally Insured? Double-Check - The College Investor](https://news.google.com/rss/articles/CBMilAFBVV95cUxQMUdxdGgxZy1tV2FrN3NVMmM4ZUVWZ055aWxaaGRrbktHb0Fwdk9sOWNtLTAzS1VlYnlrcGlwMndNdk1kbGZKWk5qNHZCTzJwcXkzbmhrdEIyd1djMy05Mi0wLWFGMnVEU0VYd1dQYUpNT3BQWUJ3aTV4UDNxNC05cnkwamFPYjdGd0tNWmpVSWh0Vl9G?oc=5) · The College Investor
- 2022-09-22 [Pathways Financial Credit Union proud to serve Springfield - Newswire.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQUFFkNk93WFZEN0Zab1pWUExWUjl3M3AwUHlJaGhPTnJtUjI5Z2czOFZqZ2RGMXRSQWVZTXlXM1ZhR2lLNDJrSkRsNy1nNGJ3ZkpNTFZ3T05WZk9WTXk3TkFGb2FFM2tHRHFxaVliRHhJczVLZmhhVjNIVlNiMFEtNUFMbmVCV3hRN2dvaE9NSkVra2NwWXJIQlFMeFBLQQ?oc=5) · Newswire.com
- 2018-02-23 [JANICE POPADAK Obituary (2018) - Brecksville, OH - Cleveland.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNnpvTkd1dWhNZkJRTG1oa0hmNDByX0VWWEZmZ0dSVUxhRldoQkZ1MmhvU3pWdC1MQjNzWDFoc2g4dm9kYUQtMWw3QjFiNVZsQ0NVWmpZUmtUM2dsWUdrZlcyMlpITm5mLS02WXB0emZEZE9wLXlOWURTYzVUS3BORGx2TVlaVUNERmZ4SHRMNjZaWTNXQ0lF?oc=5) · Cleveland.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=95821 (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 "95821", 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=95821
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide