# YANTIS
YANTIS, TX · NCUA charter 10502 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/yantis-10502

Who the members are: federal charter, community charter, organized 1955. 1,856 members of 10,000 potential (18.6% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *ordinary*. 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 | $28.5M |
| Members | 1,856 (2.1% YoY) |
| Full-time staff | 8 |
| Net worth | $3.8M |
| Net worth ratio | 13.5% (p41 of band) |
| ROA (annualized) | 0.31% (p37 of band) |
| Total delinquency | 0.09% (p25 of band) |
| Net charge-offs (annualized) | 0.13% (p61 of band) |
| Loans / shares | 65% (p60 of band) |
| Cash / assets | 22.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.12% (p22 of band) |
| Operating expense / assets | 3.31% (p41 of band) |
| Vehicles % of loans | 14% (p9 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 | 68% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 12% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 37% |
| Average share balance | $8,930 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $25,515 |
| Loans granted, annualized | $4.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

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

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

- 2026-03-20 [James Robert "Bob" Clopton Obituary (2026) - Quitman, TX - Lowe-Gardner Funerals & Cremations - Quitman - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxPOGp2MjhZY08yQXI2c1J2Q3lfcWVZczZhUzY4MkZhMldVZzBFeU1YWElkT2MwQ2JqLTU2dHVORVlJQ1RiVFpJelRQZTZlckFPd0RkRnlHeUw2S19XNHdldkZudXlnaWQxUlp4X1liT0FidkZaVnBKNFd5ZE9vWHBfY3pB?oc=5) · Legacy obituary
- 2024-07-05 [Eldorse Mathews Obituary Jul 1, 2011 - Murray-Orwosky Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE95c1NZSzE1SUdWaUs0M2Q5cjlNeTBfbjFJX2k4SXdSVHRkZVVyMFFzS1ZxRDM0bWxYWDd5ZlZQcG5YT3p2Mml1ejBFSkpfWHIwM01NTzh6TS1uV0VwWUowVWFMN20wOWs?oc=5) · Murray-Orwosky Funeral Home
- 2010-05-04 [Yantis man shot 3 times, deputies investigating - KLTV.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOT1BXSW5LWjJjb29UYlp6bUh4Y0I1aDFXX1VOUmMtSTNZRXZmdld6enV6dGxfVmE1QkU0cTY0cmRZa1JOcm9fTFVBWVpwbGxsRlNVRzNXRllJelYyenZKX3lfRnk0QTc1ZjM5aXNqcUsxVHUydUFtcTU1Vm4zYXNJOG94NzlFQ09yVEVF0gGeAUFVX3lxTE42c3ZCR05wQl9ybEJUNUlveUEzcVlNTEUyMHN0RUtQcW93WlN3ZWw2MVdUcDdyQWx4R3gzaFFXTHVWbkk3RllJZGxVUzE1cm1NY0RlUmNWdVVLS1l0NEY1c3hSLWEzMUx6SGxCSTRTS0lBb3NOclRCbWpIUDE2QmpMSjJNangtNk9wUWc5RkdmeUJhVWJ2RTMzWGhqbTFR?oc=5) · KLTV.com
- 2014-04-22 [Man indicted for having sex with 12-year-old on E. Texas school playground - KLTV.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNeTVnaVNQaTJxNVE5blJORktoYlY2UE9uVHFRZDRmUHh3RURJcW9XU1N6YUV3WU9QbG9ZNWxnbDlpZVJhb0NmY1BMUGx3cjZVa1p2bk8ySThieUpXRXBLb2tEcW12QWNiY0VSVFNveFZqQ0UycG1Gb2VyWHFWLTJ2WDZibmxSTlRVaktQdm5COUFjNWh6RnB5akVjdDcxdms0WVl6eW56dEZuMXFzYWhR?oc=5) · KLTV.com
- 2017-05-03 [Friends remember man killed during Van Zandt County tornadoes - KLTV.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxNR1l3Z1dJZGlMNEZMX2o2Ujk1Y2pkUkJVRzJSVkRGY3Q0aUpzanliR3ZTY1dEcENBbHQyOWM1bUtmQTBqOGdjM3RacVJyRnM1Z2xDc3FGdjMzY2o3TV9TUXRUZUpNU0UtMlh3N2NyUTdRV0RrVmVLajZCSzBTWkpLcnpSOGo1aXdlNGFldGhza0RTNVVjdFZsdm9RSUNralXSAbIBQVVfeXFMTXJXdkh6YUhOVEo2VEtWVHdtd1p5cUtMN1l3Tk10Y3FmcWZoZC12SU01WUYtR3VUS1hsZWRTOTM4QndHZ3B5QzZpbWEwRjgwc1NtdWdoZVB5X2FtWW1WUTVJRDhSSDViUDIwNjc4QVdpY3JmdnFkU2xWU0Y0amFsQzRNcnVIdm1UMHNkQTExZVFrUmI1TzQyR0lhWkhNZUpEUUF4WmNFd0QtZ3VlRURGaHFIQQ?oc=5) · KLTV.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10502 (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/6.json (key "10502", 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=10502
- 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