# LAS COLINAS
Irving, TX · NCUA charter 10424 · asset band $50-100M · latest filing 2025-12 · stopped filing after 2025-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/las-colinas-10424

Who the members are: federal charter, multiple common bond, organized 1955, low-income designated. 10,096 members of 43,310 potential (23.3% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *stressed*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $95.5M |
| Members | 10,096 (1.8% YoY) |
| Full-time staff | 24 |
| Net worth | $7.2M |
| Net worth ratio | 7.6% (p2 of band) |
| ROA (annualized) | -2.43% (p1 of band) |
| Total delinquency | 2.09% (p90 of band) |
| Net charge-offs (annualized) | 1.27% (p93 of band) |
| Loans / shares | 95% (p96 of band) |
| Cash / assets | 6.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.87% (p60 of band) |
| Operating expense / assets | 6.08% (p96 of band) |
| Vehicles % of loans | 57% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 69% |
| Third-party paper % of net worth | 537% (p100 of band) |
| Vehicle delinquency | 2.12% (p89 of band) |
| Vehicle NCO | 1.42% (p88 of band) |
| Repossessed % of vehicle book | 2.26% (p99 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 25% |
| Average share balance | $5,439 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $22,453 |
| Loans granted, annualized | $31.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | 2 |  |  |
| 2017-06 | 4 | delinquency rising, members leaving |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | delinquency rising |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | members leaving |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 | members leaving | thin capital |
| 2020-03 | 3 | thin capital, losing money | members leaving |
| 2020-06 | 3 | net worth falling | losing money |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | members leaving |  |
| 2021-06 | 4 | margin squeeze |  |
| 2021-09 | 3 |  | thin capital |
| 2021-12 | 1 |  | auto monoline, margin squeeze |
| 2022-03 | 0 |  | members leaving |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 2 | delinquency 2x band |  |
| 2022-12 | 2 | loans>95% of shares | delinquency 2x band |
| 2023-03 | 1 | losing money | delinquency rising, loans>95% of shares |
| 2023-06 | 3 | net worth falling, repo signal |  |
| 2023-09 | 2 | loans>95% of shares | net worth falling, repo signal |
| 2023-12 | 1 |  | losing money |
| 2024-03 | 5 | net worth falling, losing money, delinquency rising, auto monoline |  |
| 2024-06 | 4 | repo signal | net worth falling, losing money |
| 2024-09 | 4 | losing money, 3rd-party paper>100% NW | loans>95% of shares, delinquency rising |
| 2024-12 | 5 | loan book shrinking |  |
| 2025-03 | 7 | charge-offs p90, assets shrinking |  |
| 2025-06 | 7 | loans>95% of shares | loan book shrinking |
| 2025-09 | 5 | net worth falling | auto monoline, charge-offs p90, assets shrinking |
| 2025-12 | 10 | thin capital, expense trap, delinquency 2x band, delinquency rising, charge-offs p90, assets shrinking | loans>95% of shares |

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

- 2026-03-02 [Texans Credit Union Merges With Las Colinas Federal Credit Union To Drive Expansion Across North Texas - PR Newswire](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQYjVyWk82THBiNHpxMGp4UVI5OGh2RGhsY0tMa19nclpsSWxfQ0JQQ1psQl9TcFdhcFJEdU82aVN0a3JsbXFMNWM0YkZzODM1V1VTTUEtUjhaX04xcE9GZkZzVUU5YnBuRnpNNVJjTlV0ZGpubXBlQkxGbElhdG9MbmxWVm5wWnplSTlVb2dwUVZ5VVBJd1p5ZjdkQ0xLMDN4bHJUM3JTRi1jbHlTYi1XWkVqdzNUWTF6R0ZhTGRqSHJ3MmJxdFZVTjJRTUdvZUtKRzBFSnl1cXV2Tk1wTk54aFR1ZVlSWERDdDZERlFiWQ?oc=5) · PR Newswire
- 2026-03-06 [Behind the Deal: Texans Credit Union Expands to $2.6B in Assets With Las Colinas FCU Merger - D Magazine](https://news.google.com/rss/articles/CBMimgFBVV95cUxNTjBxX09MZnhpMjdxT3N5d25xZFVUVHY0YmIwbWdnMEhGRzBoUW5kTV9ZeXI4bFd6eEdzRFNlMkNwVlB3cEhGY1ROTWkxVjZlS0Fvay0wMTVBbGZNMTZCb3p0bjFTR3hkOXNPZkZLUGVIWkk1OThRMU1fR18yMnVWQzd4RVc2RlNNS0lLNkhnaE93Ykp3dGJjSEZB?oc=5) · D Magazine
- 2021-07-28 [PenFed Credit Union leases 30,000 square feet at Las Colinas Highlands in Irving, Texas to expand mortgage originations and servicing business - CUInsight](https://news.google.com/rss/articles/CBMijgJBVV95cUxQRlZ3dk1vZWpISUhBZVBKWjdhMHpJQmxFakNvcVU5alZ2VlpnLURZWWo1SkRZMmJTbWpUUXRnU1pJa0NKa1RpVFNfZUI3RWJxQnBLZzBTbzdURk83MEZMb2FQbUNObzVRSWwzNFFpbFd3aWs4R0lPTGtDLS1jMEhtMHNnWFFQSFBZblBvVEZkb2VBc1RJZ3NtUjIzYWxMRkJlX3doWjk0VnhXMnM4TDdQVjhEdlVlNzJ4Q3pRMG51STEybEtxZGxDN2x0NDNvRXcxOWp6UXgxWTVPMzBaSTBFSHF0UzQ3Y3VzUnBjV3M1ZkF1RUR6REh0NTVnZXRYNV9mbmZYczdGT1NHX1JjN2c?oc=5) · CUInsight
- 2026-08-06 [Texans Credit Union Marks Irving Branch Rebrand with Back-to-School Giveaway - Yahoo Finance](https://news.google.com/rss/articles/CBMingFBVV95cUxOaE5iQVRHWVhUT25TdFdocVRLVnM0SnpjYWoxUHZBY3RSRjFGTXhHQ0ZFZWROVkFRWkVWejlNekdDWERuY2xuVmJESHlpSWpVdzhRbVlMWEZfMVYwWmpjVjJNNWI1ZnZ6WW5IWUczWkk0NWR5S2xVZzFadEdlMTF5VmZfRmZWZ05nMmctaVAzRDJqeElvTE1xSHJZNTY4UQ?oc=5) · Yahoo Finance
- 2017-02-24 [Qualtrust Credit Union & Texas Trust Credit Union Merge - Focus Daily News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQbFI1RDFfZ1pITTFuZVZuT3RQcjZQbE0yTldybGlWRWlkaUktbGhNWnktbDJhUmtMYzUzd20zS25CUEFPa0E2dmpXWUE5U2JIdlBwci1CUWttRFFDcG1jdjdtNXE5b3lySlppTXlUWnVMNVlHWEJralhhSkhzRG5kUm5sZTRVbDhoVTlXOG9n?oc=5) · Focus Daily News
- 2022-02-28 [Digital Banking Solutions Provider Bankjoy Announces 16 New Credit Union Partners - Finovate](https://news.google.com/rss/articles/CBMipgFBVV95cUxOaE5ROEJuckFJUkEwYVprNU0wbFl4T0gyTnQ0TGktU05QTENpOGpKZExoeDVMRHJTRlN1QnREd05oaEczaEZvRmRGamFPbk8xSVRtNXgydXNVWjJzWE9PcWx4VGdQYVh3QnBONUhUbTBpQzZDa0NNSWZQTW11a29ZV0RWdWJuSC1YNzAyTmdBZmh6RllTSVdxeDNmRkRYb3VhM1JPT3l3?oc=5) · Finovate
- 2026-03-17 [Marcus & Millichap closes sale of 44,104-square-foot office property in Irving - REJournals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQT3pEeVBReUlsNXItTkxmY0tLT1hiQnI2TWNEYmZfZUhtbmdveDc0T2l5eUFGNGZ5WjBfcHRYRmhTcEt6YS15bkUtS3ZSMFBpVFlnbnkzYVJsbk5WdTdTdl9YUTRvR2t6S29xZnQwbUdSMGY2blRBOGtCU2huUE5qUHl6OFpPdF90RWpiTExKODFHOVB4bk9SZmtHNkNmTXN0?oc=5) · REJournals
- 2024-03-21 [Bobbie Smith Obituary (1930 - 2024) - Mineral Wells, TX - Palo Pinto Press - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQS1htdG9faHpHLUdXdEhsTnJZSTczeUlaTGgxN05mdVVjS3JKOVdqcDctN3kteGM1MWtrOUgtTVROdU42OHVrOFAxNldfU2tQZFJhOHZTVC1ocC1rc29Kd19CWENiaVg1Q0RJZjM5WU9tVDYzVDRBeVFhRmxtSlZXSGw1RTU3WG1iMDBpNlZtdmM0VTZG?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10424 (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/56.json (key "10424", 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=10424
- 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