# BIG SPRING EDUCATION EMPLOYEES
BIG SPRING, TX · NCUA charter 10577 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/big-spring-education-employees-10577

Who the members are: federal charter, community charter, organized 1955. 4,278 members of 53,007 potential (8.1% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 39.

**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 | $55.8M |
| Members | 4,278 (1.3% YoY) |
| Full-time staff | 12 |
| Net worth | $10.0M |
| Net worth ratio | 17.9% (p85 of band) |
| ROA (annualized) | 3.24% (p100 of band) |
| Total delinquency | 0.18% (p19 of band) |
| Net charge-offs (annualized) | -0.31% (p2 of band) |
| Loans / shares | 47% (p25 of band) |
| Cash / assets | 59.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.98% (p95 of band) |
| Operating expense / assets | 3.54% (p49 of band) |
| Vehicles % of loans | 83% (p99 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.11% (p17 of band) |
| Vehicle NCO | 0.26% (p53 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 2% |
| Average share balance | $6,643 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 112% |
| Average loan balance | $12,989 |
| Loans granted, annualized | $12.8M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, repo signal, auto monoline |  |
| 2016-06 | 2 |  | delinquency 2x band |
| 2016-09 | 1 |  | repo signal |
| 2016-12 | 2 | repo signal |  |
| 2017-03 | 2 | charge-offs p90 | repo signal |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 2 | repo signal |  |
| 2017-12 | 3 | net worth falling, delinquency rising | repo signal |
| 2018-03 | 1 |  | net worth falling, delinquency rising |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 3 | delinquency 2x band |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | charge-offs p90 |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | delinquency rising |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | net worth falling, delinquency rising |  |
| 2020-06 | 4 |  | delinquency rising |
| 2020-09 | 4 | margin squeeze | net worth falling |
| 2020-12 | 3 |  | margin squeeze |
| 2021-03 | 5 | net worth falling, margin squeeze |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 4 |  | net worth falling |
| 2021-12 | 5 | repo signal |  |
| 2022-03 | 5 | net worth falling | margin squeeze |
| 2022-06 | 4 |  | net worth falling |
| 2022-09 | 4 | members leaving | repo signal |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | delinquency rising | charge-offs p90 |
| 2023-06 | 4 | assets shrinking | delinquency rising |
| 2023-09 | 4 | charge-offs p90 | members leaving |
| 2023-12 | 2 |  | delinquency 2x band, charge-offs p90 |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 2 |  | charge-offs p90 |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 2 | charge-offs p90 |  |
| 2025-03 | 1 |  | charge-offs p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 3 | delinquency 2x band, assets shrinking | delinquency rising |
| 2026-03 | 2 |  | delinquency 2x band |

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

- 2025-11-26 [Allene Pearce Obituary (2025) - Big Spring, TX - Nalley-Pickle & Welch Funeral Home - Big Spring - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNVXpJZDdid2FhZlEyV0d3ZjQwYVhOYzFySXRaWTY3b1NVRjIwRTE1Sko2ZTJmSkZtdXVqeWo4R3l5Rk00S0N4WlRIckVOYzRnaWk5MEhfYUVIREE5cExwLVcwZjZPSjJHRTZ6a3I3SHVuQ2dOT1pYVGV6c0Y4Y3NRcTVR?oc=5) · legacy.com
- 2023-01-23 [LIST: Permian Basin severe weather delays and closures - newswest9.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPOTRGbHZVUEJ6ZGp3X01NUUJmaEpqMm9EV1ZnWHcyRzVSOEhjQ2hiUEtCRjYtY0pQQUM5dGhuZEJOZXdBQ1NFRk94YUZZb3lPVldCTWk2c2pRZmE4M0xHS0t3dDRMRnppTnhOUVJEaF9faG9Ra05MSmZzclNhVmNaaWp3cnNaVUpNWjFSQ3R2Q1BDS3dNb3JPTnpNbVZlYnVCTkxzNU11aklTeW1kelV5cFNHZW9kWDdDM1l1aHVYSUxvd2pUZllrUG84WVpEeFND?oc=5) · newswest9.com
- 2021-01-19 [Donald E. Spence - Nalley-Pickle & Welch Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBpdnlyTHg3YlVfMDBhS2lPSzNhazdSSHFRcWotY21qTE12dmxZUkdHbzlRNlA1aGFLbjR0dXNvUnNaZmtYdnV6a1BHV0xpbGJ2OEZpLS0wdmU?oc=5) · Nalley-Pickle & Welch Funeral Home & Crematory
- 2008-04-26 [Janice Bond - Nalley-Pickle & Welch Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiU0FVX3lxTE4zeUVodm1EdWRVY1o3a3VXVHJIZE5SSDJKZUVhQl9jQ0ZibVRwRGdDcmY0QzNwNFZxa1g3a1NBdGRPNmtFVXlsVFhkTUN0Q0FzT05v?oc=5) · Nalley-Pickle & Welch Funeral Home & Crematory
- 2008-04-29 [Janice Bond Obituary (1935 - 2008) - BIG SPRING, TX - Star-Telegram - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNcl8zOS1XNnA1OWJGSzRKci1RZmQtZXliWDdFMFgtUFBhSEZ0UUNhd0MwYk9ZZmdnelZGTnpqOTlGVkNTMjhfNm45VjNPQnJXZDEtTG55NGFMM0hZT1c0T0lnWDhRNmhnVW4yd1BSdDM2UmpPMWpUMzdReWhhR21JT2t3Umw?oc=5) · legacy.com
- 2021-06-19 [Michael Stutzman Obituary (2003) - Richmond, VA - Richmond Times-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNG5LSW5hYVg5ZTk0YWtkR3VBTzBWNFFjbXJkVGpHWWFVV2xiZWVhLUxySXdoM2dldUo3djh0S2JCa294MW0xV3FpOHRoaUlzNmVrd2ppejBjZC1yY0hzam9FYU1BanBCbmx6V0s4emxwcnVWcThrdllWQVNKbk5UM19fUjVqeUVUMHdabXNfSkZaZmg1X0c0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10577 (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/17.json (key "10577", 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=10577
- 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