# JACKSON COUNTY
Edna, TX · NCUA charter 10324 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/jackson-county-10324

Who the members are: federal charter, community charter, organized 1955. 710 members of 15,000 potential (4.7% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.2M |
| Members | 710 (-2.1% YoY) |
| Full-time staff | 4 |
| Net worth | $855,604 |
| Net worth ratio | 9.3% (p12 of band) |
| ROA (annualized) | 0.66% (p54 of band) |
| Total delinquency | 0.07% (p23 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 71% (p69 of band) |
| Cash / assets | 33.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.63% (p40 of band) |
| Operating expense / assets | 3.28% (p40 of band) |
| Vehicles % of loans | 78% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 20% |
| Average share balance | $7,756 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $20,668 |
| Loans granted, annualized | $2.3M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 2 |  | members leaving |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 4 | assets shrinking |  |
| 2018-03 | 3 |  | assets shrinking |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 2 | assets shrinking | thin capital |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | assets shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 4 | thin capital, net worth falling, delinquency rising |  |
| 2020-12 | 1 |  | thin capital, net worth falling, delinquency rising |
| 2021-03 | 3 | thin capital, losing money |  |
| 2021-06 | 2 |  | losing money |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 4 | net worth falling, members leaving |  |
| 2023-09 | 3 |  | members leaving |
| 2023-12 | 2 |  | net worth falling |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | thin capital |
| 2025-06 | 2 | assets shrinking |  |
| 2025-09 | 1 |  | assets shrinking |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 2 |  |  |

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

- 2026-01-11 [Where to celebrate Martin Luther King Jr. Day 2026 in Jackson County - MLive.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPNUhQd29VZVdZNE05SjVqQWVQZ2MteTFOM0g2YzV2N3R0RXp2MkxBMkFZb3MxMldZMEMwYUhXTzdKOF84VUVMdXlXUjlRSmJoN3Q4UjlIS2gwa1hQVTNkbHRjQXNTbWJGYUN1QkFmdXB1WkV1QkpURmoyVnFNdFJyWFJjaTB4cGNpS0xoTDNiRVQ2dFo2TmdYX3hhaXRkcHBxQ2NDUzR5VTIxbWMwU213OTVEMi1KUdIBygFBVV95cUxPQmRrUDF1Q3o3NUZfQ0N6b2l1Y3QxVnpaYXpwcG9MOXk4c1Y0ZjRIYl9teC03RjFBUDBIZ0hxRUktUVRNVkw3eWRCQnBvS2hQWEZzeFlxbUlaSTJzY0JERWdnaFlGdktkYi10TmFwVkFhNk9xUUgxUHZvVTlNb1RQWXBtajBYQU1JeGdfVTVkMC01VzhkcTJUcnpaZWlxRTRKdnFxVGt0T1VlOHl2N2dTWmtYaVNmUFp3ZWwwRThPai1KbXg0blZHVjRn?oc=5) · MLive.com
- 2025-03-11 [Florida man charged in connection with fraudulent transactions at Michigan credit union - CBS News](https://news.google.com/rss/articles/CBMiggFBVV95cUxPN3FBS1pVX0JoZk54NXlBLTlzNnprV0FCd01rdDY3ZUhsaXRwOFlhdHFZMmltRGJWUkd4TV9nd1FLT3RVNk91VzB4anlrYUpZU0xzMUE4ek1fSDB0amtSdmhTbV9DZWdRVVB1NzdqMG1FN0w5OElwRG9hdk9ZZHEwblJB0gGHAUFVX3lxTFBuYW5vb0RvR1hJbXNBb0FnWWtVZ0FwZDN6MDBPX3pDejVCWEN5dnBrS3A1ZFM0eXRwSE02X0Y2UEctOVZqSUZDRWJJRzJiVmpTSWhkZ0dtdVhRMGV6LVBzTUFsSUVyRG1JWElyekNzUV9TT3c4d2tEckUyTFV1UmxhWnZOSWVNWQ?oc=5) · CBS News
- 2026-01-25 [Yes, you can play indoor pickleball in Jackson. Here’s where - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2026-07-29 [All 9 seats in Jackson County Legislature are up for grabs. See who’s running - Kansas City Star](https://news.google.com/rss/articles/CBMimgFBVV95cUxPR3J5enBmZTBZRnBFT0MteVc4X3lISTJYMDZFcnM5MkdlUWdBR0FYbldRRGwxeHI1SjluMlVZM1FVaFR3TTRDYnRiY1g4cG5mbmNxTVY2WXVMMmdKamxUTnRRVE5ZS0NtVFdNSzZtcE1reFNHbk1hZ0dVLUlXVk5FbDQwS0x3NlRNajlXalhLWEtkZHB5dHRucTBR0gGaAUFVX3lxTE1PcUs3VTRrUWo1WU5WNVRZcDRtM1JjZm9kSElCZ2hXeUFqc2F0ek9RR1RoTVFfRjMyU2NMMl9RdW9hd1gtNElpRTRDcTQ1RlZLSUFXWXRBS1VsSUh3VDBtZ2tSa2JOa0UwZTNNU05seVl3RDQ3Tm5rcC1sUmxBaTM5ZDRieFc2MlNNR0l3LVRqWE5iUk1EbnJDWXc?oc=5) · Kansas City Star
- 2019-08-01 [Gaining new experiences: Professionals on the move | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxPZGJucGVjZzFOX1psenFfMzVnS3FLZll6QnZHSE5qRjNnN2F0V2lqbFh2RmpVVHVxTlEzbjRUVmFwQk55U0RrNkpHV1NtWGhJdnZmQ1JmVzAyLUxlMUlxUDljVlNsLVZuUGpEdmp0YWpfZ1JIdmZKaWo4QXQ0d1RwSG11QXBIREkwTEFMbWJlT2Rwd1VVNGRTTjY5X3ZiUkk?oc=5) · American Banker
- 2024-09-23 [Google Wallet now supports 47 more US banks (and one new service) - Android Police](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNlpuR1J6Q2JwOXFsMExVdW1KWXhaUk1CTXVpdk1vMndxbjBJNWw2TzEza1NPV2FDdE1KU3gwdEdIWjJYUWpQZzZpcXdYaThzZnhaXy1ZYUpINjZaTjhCb001aE9taVdtMklUMkZZVlB3WkFDOUUxNFdudncxX0NfaVNFZk5jR1I0VmlMZE1ka2JoQy1sYXlN?oc=5) · Android Police
- 2023-01-17 [Get Presale Tickets to See Eric Church The Outsiders Revival Tour - SiriusXM](https://news.google.com/rss/articles/CBMifEFVX3lxTE55NzhOLXJVNVpTajZySlhpMEVQMjRQZkwyeGNDWEpBZ0xxTkhJaF9OTjNQczJKYkgxVEdxUTFSX0JjZ2NiRVRYcmdfeEFHV05LOUhDRDBzSEpGcTBhRTNmTXdtLUhCTVd3XzFXalpZYzdHMHJDR1FueWY0ODc?oc=5) · SiriusXM
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10324 (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/20.json (key "10324", 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=10324
- 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