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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
 Washington, D.C. 20549
 Form 10-K
  þ
    
    ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the fiscal year ended December 31, 2005ORo
    
    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from  toCommission file number 333-90130-05
 Triad Automobile Receivables Trust 2005-A, as issuer
  Delaware
(State or other jurisdiction of
incorporation or organization)
    
    51-6565088
(I.R.S. Employer Identification No.)7711 Center Avenue, Suite 100
Huntington Beach, California
(Address of principal executive offices)
    
    92647
(Zip Code)
 (714) 373-8300
  None
 None
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 x
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TABLE OF CONTENTS  PART IItem 1. Business.Item 1A. Risk FactorsItem 1B. Unresolved Staff Comments.Item 2. Properties.Item 3. Legal Proceedings.Item 4. Submission of Matters to a Vote of Security Holders.PART IIItem 5. Market for Registrants Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities.Item 6. Selected Financial Data.Item 7. Managements Discussion and Analysis of Financial Condition and Results of OperationsItem 7A. Quantitative and Qualitative Disclosures About Market Risk.Item 8. Financial Statements and Supplementary Data.Item 9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure.Item 9A. Controls and Procedures.Item 9B. Other Information.PART IIIItem 10. Directors and Executive Officers of the Registrant.Item 11. Executive Compensation.Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters.Item 13. Certain Relationships and Related Transactions.Item 14. Principal Accounting Fees and Services.PART IVItem 15. Exhibits, Financial Statement Schedules and Reports on Form 8-K.SIGNATURESEXHIBIT INDEXEXHIBIT 31EXHIBIT 99.1EXHIBIT 99.2    Table of Contents  
 PART I
 
 Item 1. Business.
  
 Item 1A. Risk Factors
  
 Item 1B. Unresolved Staff Comments.
  
 Item 2. Properties.
  
 Item 3. Legal Proceedings.
  
 Item 4. Submission of Matters to a Vote of Security Holders.
  
 PART II
 
 Item 5. Market for Registrants Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities.
  
 Item 6. Selected Financial Data.
  2




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Item 7. Managements Discussion and Analysis of Financial Condition and Results of Operations
  
 Item 7A. Quantitative and Qualitative Disclosures About Market Risk.
  
 Item 8. Financial Statements and Supplementary Data.
  
 Item 9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure.
  
 Item 9A. Controls and Procedures.
  
 Item 9B. Other Information.
  
 PART III
 
 Item 10. Directors and Executive Officers of the Registrant.
  
 Item 11. Executive Compensation.
  
 Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters.
  Amount of Certificates
    
    Percentage of CertificatesName and Address of Owner
    
    Beneficially Owned
    
    Beneficially OwnedTriad Financial Residual Special Purpose LLC7711 Center Avenue, Suite 390Huntington Beach, California 92647
    
    no face amount
    
    100%
 
 Item 13. Certain Relationships and Related Transactions.
  
 Item 14. Principal Accounting Fees and Services.
  3




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PART IV
 
 Item 15. Exhibits, Financial Statement Schedules and Reports on Form 8-K.
  ExhibitNumber
    
    Description31
    
    Certification of Disclosure Pursuant to Section 302(a) of the Sarbanes-Oxley Act of 200299.1
    
    Independent Auditors Report dated March 30, 200699.2
    
    Annual Servicer Statement of Compliance
    4




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SIGNATURES
  TRIAD AUTOMOBILE RECEIVABLES TRUST 2005-A
BY: Triad Financial Corporation, as sponsor and servicer of the TrustDated: March 31, 2006
    By:
    /s/ Mike L. WilhelmsName:
    Mike L. WilhelmsTitle:
    Chief Financial Officer 5




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EXHIBIT INDEX
 Exhibit No.
    
    Description31
    
    Certification of Disclosure99.1
    
    Independent Auditors Report dated March 30, 200699.2
    
    Annual Statement of Compliance by Servicer dated as of December 31, 2005
 6