# SAN ANTONIO CITIZENS
San Antonio, FL · NCUA charter 10699 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/san-antonio-citizens-10699

Who the members are: federal charter, community charter, organized 1955, low-income designated. 18,427 members of 172,230 potential (10.7% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *participation buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $401.5M |
| Members | 18,427 (-2.2% YoY) |
| Full-time staff | 61 |
| Net worth | $42.9M |
| Net worth ratio | 10.7% (p41 of band) |
| ROA (annualized) | 1.11% (p77 of band) |
| Total delinquency | 0.24% (p15 of band) |
| Net charge-offs (annualized) | 0.20% (p28 of band) |
| Loans / shares | 49% (p7 of band) |
| Cash / assets | 10.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.53% (p48 of band) |
| Operating expense / assets | 3.10% (p26 of band) |
| Vehicles % of loans | 36% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 45% |
| Third-party paper % of net worth | 98% (p56 of band) |
| Vehicle delinquency | 0.17% (p13 of band) |
| Vehicle NCO | 0.37% (p33 of band) |
| Repossessed % of vehicle book | 0.15% (p80 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 43% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 25% |
| Average share balance | $8,569 |
| Participations bought / yr | $48.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $28.4M |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $15,792 |
| Loans granted, annualized | $50.3M |

## Participation posture (from the same filings)

Bought $48.6M and sold $0 in the latest annualized quarter; $28.4M outstanding purchased (66.1% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 0.5% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | thin capital |
| 2017-03 | 1 | thin capital |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | thin capital |
| 2018-03 | 1 | thin capital |  |
| 2018-06 | 1 | delinquency rising | thin capital |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 1 | 3rd-party paper>100% NW |  |
| 2019-12 | 0 |  | 3rd-party paper>100% NW |
| 2020-03 | 2 | losing money, delinquency rising |  |
| 2020-06 | 3 | thin capital, net worth falling, margin squeeze | losing money, delinquency rising |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 | delinquency rising | margin squeeze |
| 2021-09 | 2 |  | delinquency rising |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | 3rd-party paper>100% NW |  |
| 2022-12 | 1 |  | 3rd-party paper>100% NW |
| 2023-03 | 2 | 3rd-party paper>100% NW |  |
| 2023-06 | 1 |  | thin capital |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | 3rd-party paper>100% NW, delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2025-11-03 [San Antonio Citizens Federal Credit Union announces Michael C. Borman as new Chief Lending Officer - CUInsight](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPdnFuR1pvS2dXSnFmd0F6VEktaGZRMUJvTXFpdzcyMG1zcUVjVVY5NkFLV0NKVTUwQnRkakpDeDRMaFY4c2FaeWU4bFVhQ0xvWVJ2YTAyakhEWk5BNC1NOVN6R09PT1Q5Y19vWUVMdWxQVXpnSkNlZ1hKSy12ejM3cWYtYTdZQ1c3YkZwX25XaFV2aHBFUjBMdjRVVW10OWZweVJYMEpLb2V1STM0MFBDdTBOODdsS1pSTzZGbWdDRnMxZVNnNVc5ZkRybUM1akxhaW9FZA?oc=5) · CUInsight
- 2026-06-09 [Southeastern Credit Union Appoints New Chief Financial Officer - Valdosta Today](https://news.google.com/rss/articles/CBMirwFBVV95cUxQbFZDMlo3MnBHQ3VPN3NNUFlZenNacU1QQ2E1OEJYZUtvTncwUEZDN2djNzFjR1hHSEg0aXdGdi0zZjJkcXItN3hkOUxSbWVzaWZnOWpkOFpKNGNwVnJqV05Wc1lUa3lxd2VaUXZoOV9OaV9WbHpmZlJlYnMtbmp4OFhITFhsQ25VX0N0R2hxVXdhd3Y4TlUzbTVaMDJfWEpzdmVPTURYek0tQlJfWEhF?oc=5) · Valdosta Today
- 2016-01-13 [Credit union is 60, and going strong - The Laker/Lutz News](https://news.google.com/rss/articles/CBMib0FVX3lxTE9RTHR3VHkwSGJad2JoZ3BVeTN1ZEl3cFVEOV9oRjZ4eEtJY3ptWmJYWk9YZjVVSHhWZ01TcGdRVnlTOXphRnJ2eEJvYVlyVm1RamFZNWpmMEV2M2dZeGN3bnBzZE9HTE5FV1RnRkVTWQ?oc=5) · The Laker/Lutz News
- 2025-06-07 [One Liners Pasco: MetroLagoons, Bauducco and more - TBBW](https://news.google.com/rss/articles/CBMiekFVX3lxTE1EUFhYYndFZFVUajBROWY2QTYzZ251NDhOdFlRcEQ3Zk9vOGlOS0R6TEgzaGRianZldjJUUFp2OF8zWnU2SDBqdlFlQnYtUGxPNFptLUJwN0xSQmtDUm1ZTTI0X0ZaRmFTWm03MGxzU0hrbUt5QV9kb0ln?oc=5) · TBBW
- 2026-06-15 [Raymond Sturwold Obituary (2024) - Dade City, FL - Hodges Family Funeral Home - Dade City - NZ Herald](https://news.google.com/rss/articles/CBMingFBVV95cUxNMDJnMjk4WWttdmxaZVZKSlpyWjJrMjJueThTeG5DVW4tRWdEOWp0VGtPcEFMVEZyR2FPMFY3N0Q4WUNqT0hraXhwZHFTb19uQ2N0VW5ZYWI2ajRPZ2xOdnFaNUNHczJuYUtvSHJoNWRQelZvTzZ6LV9jQUotTEVwaC1kSWJzUlNVZ3JVUFo3d2ZlZm0tOVRWdjd3a2VaQQ?oc=5) · NZ Herald
- 2014-09-04 [Historic, long-empty San Antonio building opens for business - Tampa Bay Times](https://news.google.com/rss/articles/CBMitwFBVV95cUxQYURwai1kMkFXUGpfa21CRUJmTFkwbDB6TGktV1QxcFB0em1VUG1yd2lZVFpqRW9ZbE5nNEo3RlFZSEpoXzA4Z1Q0NFhreEo0OWtmZ0pIZGRhcWl3b1dMN1ozOEN4UzUxVy12RHpuak1XdEh6a1ZGb1FseDVaenI5cmY1SHM0SmRxR2tNZlVUcDNuOURNQjhHVUx1Q2xueDBySEI3b0s3Z3NHQVZVd3I2WkdveGNSa0E?oc=5) · Tampa Bay Times
- 2024-10-21 [The massive Wesley Chapel Fall Festival returns with wild carnival rides - That's So Tampa](https://news.google.com/rss/articles/CBMiakFVX3lxTFBVT3JSZUdpVzF0UUtIT0FoSHgxM3ByWDJUY1JLcHc3RUxySVVpeG5CeGIyRlVvLUNHWGlzTmNXSXB6VGMyUE1IYlJRS0RpTFhMYXJXQ2E4Qm1DNUppd0N3dHpPUkZNT3NyRmc?oc=5) · That's So Tampa
- 2005-10-30 [Jamie Endress Obituary (2005) - St. Petersburg, Florida - Tampa Bay Times - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNNkozeWlXbWRnX1JRVFJsUE9YVkF3WUJhVW1Wbnh0UGtRUW1MNjY5dFd1WlIyT2JhdzJmcmF2SE5ZNV9jQ29PM0IxaTNxbFFueGJzeEg5Znh6ZzZYbXJLY3ZLYnFBb1pjYlVqN2x6WXpwTzgwcUstaDFiUktLV2l3OC0ySVhhSHM1M1ViWlJrVTFLQ0lu?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10699 (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/11.json (key "10699", 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=10699
- 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