# MCMURREY
TYLER, TX · NCUA charter 10481 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mcmurrey-10481

Who the members are: federal charter, manufacturing (single sponsor), organized 1955. 1,726 members of 1,750 potential (98.6% of the field); checking penetration 16% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $22.2M |
| Members | 1,726 (-1.1% YoY) |
| Full-time staff | 5 |
| Net worth | $3.3M |
| Net worth ratio | 14.9% (p50 of band) |
| ROA (annualized) | -0.35% (p17 of band) |
| Total delinquency | 0.28% (p35 of band) |
| Net charge-offs (annualized) | -0.11% (p11 of band) |
| Loans / shares | 63% (p57 of band) |
| Cash / assets | 44.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.44% (p8 of band) |
| Operating expense / assets | 3.23% (p38 of band) |
| Vehicles % of loans | 50% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.08% (p35 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 58% |
| Average share balance | $7,335 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $12,337 |
| Loans granted, annualized | $4.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | delinquency rising, assets shrinking, members leaving |  |
| 2017-06 | 0 |  | delinquency rising, assets shrinking, members leaving |
| 2017-09 | 1 | assets shrinking |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | assets shrinking |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 2 | assets shrinking |  |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 2 | repo signal | delinquency rising, assets shrinking |
| 2020-09 | 2 | net worth falling | losing money |
| 2020-12 | 1 |  | repo signal |
| 2021-03 | 4 | losing money, margin squeeze, delinquency 2x band |  |
| 2021-06 | 2 | delinquency rising | net worth falling, losing money, delinquency 2x band |
| 2021-09 | 2 | delinquency 2x band | margin squeeze |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | net worth falling | delinquency rising |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 2 | losing money |  |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 1 |  | delinquency 2x band, losing money |
| 2023-12 | 2 | repo signal |  |
| 2024-03 | 4 | losing money, delinquency 2x band |  |
| 2024-06 | 2 |  | repo signal, delinquency 2x band |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | net worth falling, delinquency rising | assets shrinking |
| 2025-03 | 1 | assets shrinking | losing money, net worth falling, delinquency rising |
| 2025-06 | 3 | delinquency 2x band, loan book shrinking |  |
| 2025-09 | 3 | delinquency rising | delinquency 2x band |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 3 | net worth falling, losing money | assets shrinking |

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

- 2026-07-29 [Suspect flees after store theft, arrested on evading charge - fredericksburgstandard.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQMmQzMVZzYTVvV3VFX3RLZ05GWU5HbHJ1cTVrcWEwU1ljNm16dElwbmtNRHRqSkZ2d3hMT1hzc21kc1hvOU8yU1VBanJtWkNKTWtaQlFSRGx5Um1HZTNZSFlpenl6WEtNVFNfUjFFY0lVX081Z3F4N1BFLTk2WE4zeHltcWdsdndad2p2N2VtVWQ0MnBuak14eg?oc=5) · fredericksburgstandard.com
- 2015-05-19 [Glenda Phillips Pate Obituary - Visitation & Funeral Information - Stewart Family Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE1BTmpCWXVFVUdCZnJONmYyd3BBaHNXTGJmcmI2WUVIU1FSdVNOYnpzTTFvTFBUU0xJdV9ZTEMybFloSVphU0I5YmthT3VtZkI4ajhtZHc3dUo1NzVEWWZxVGE5UXZkY1hSYncybWRJOA?oc=5) · Stewart Family Funeral Home
- 2018-08-31 [Lavena Todd Smith Obituary (4/17/1969 - 8/26/2018) - Legacy Remembers - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPcXZqckM0ajRoallLYlhZcjJnZkN3dzVRdXlLV0xFMVp3R2pBUkdfbUhSbE1BUXVIZWh1WXVGMWpwamdVUEpyZVY4ZzhENFF4SGNUVFc4RWNva1JqY0VwUDc0b3lkaFE1UGZUemNia0hha0VUX2FJM3RaVm1idTVodUlZQlJ6dXpLdlg5Z0VKU1hJdHFy?oc=5) · legacy.com
- 2019-04-05 [Elder Emmett Hill Jr. - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQeTVDYVVReHhVX0FGQmtWcldPZkZEMDQzc1Mxa3M4RDE1SE0zaHFfWXRQd2hqMnQxajkwM2FfcURVT1FndmstT2FUNjFUczZSYVl3TVJ1bldxWnlleDliMnc4QXNobGk3MG1QZndjc0l2Z3h5Z0k1R3Z3el8zQkRURzZaU1NLT3VNWEw0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10481 (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/49.json (key "10481", 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=10481
- 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