# NAFT
Pharr, TX · NCUA charter 10994 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/naft-10994

Who the members are: federal charter, multiple common bond, organized 1956, low-income designated, minority depository institution. 12,072 members of 50,000 potential (24.1% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *auto monoline*. 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 | $152.1M |
| Members | 12,072 (2.5% YoY) |
| Full-time staff | 34 |
| Net worth | $25.9M |
| Net worth ratio | 17.0% (p91 of band) |
| ROA (annualized) | 1.69% (p91 of band) |
| Total delinquency | 0.36% (p28 of band) |
| Net charge-offs (annualized) | 0.33% (p49 of band) |
| Loans / shares | 53% (p21 of band) |
| Cash / assets | 42.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.60% (p45 of band) |
| Operating expense / assets | 3.38% (p40 of band) |
| Vehicles % of loans | 70% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.12% (p14 of band) |
| Vehicle NCO | 0.33% (p38 of band) |
| Repossessed % of vehicle book | 0.05% (p72 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 21% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 19% |
| Average share balance | $5,930 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $8,116 |
| Loans granted, annualized | $27.6M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2022-02-21 [Pharr PD searching for ATM theft suspects - ValleyCentral.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPaGhCYjh1ODJQVTJOMnFLX3NyYkhYZXlFOTRBZHMwMy1YbHo4WlA1S2dCcnJZQ1I2c2cwTTJVOHJsWWp2aXJGUFhrTHNJaWI4TGp6d2dvNVpWcUdfdDVjS2p6LWQ0UGptWkZicEg1TUI5bllpWmZRT0dEandEV3JPWUpBQUlNaVlVNFAtRWluUVAyUdIBlwFBVV95cUxPTW5FN09mQXVsbXFEWW5UTDNZYlJGYnhJNG9xUDlLczFGeml4RzlrakZjSmFUMzJ4R0d1ZEl3NDh4SHI4T1VvNjA5QkJlYUhGYzhab1FkdmpCXzlTUHh0ZGtDVVl2VXBQU1dfQ3NzN1V1WnpzeU44Wm1keHdzWGI2OTJVTFhZTGwtSzlmTGctSU8xVnFJc0Qw?oc=5) · ValleyCentral.com
- 2016-08-03 [Reyes "Reynaldo" Vela Obituary Aug 3, 2016 - memorialfuneral.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE9FNndPeENnWjVhVjVWdGx4M0pZaWNFOW9zbXExXzlycVhackFmZzV6am1zczhqa2F2VEswT1cyU3dLZjQwTXJOTnFtNGR3S1JaQ1VJekxTeXBqd3pMYnR4UUQ3b0tZVUstUks2QVdPaw?oc=5) · memorialfuneral.com
- 2024-09-26 [Daniel Arnoldo “Nono” Leal Obituary Sep 26, 2024 - Legacy Chapels](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9XTXNGSDh3V0xXTFJqN0E1OTJyYUJYbnl0dVFlYS0xU1lmZ0JhX3lKTHA0SHNBWWttUWJ1ZHF4ZGd4LURTeHBGSVp2RjN6MnhlUmJNTlF3N1NCMlFvQ3dTV2x6UkN5UQ?oc=5) · Legacy Chapels
- 2021-11-16 [PSJA ISD continues partnership with STC to offer opportunities for students with disabilities - Texas Border Business](https://news.google.com/rss/articles/CBMixAFBVV95cUxOak9PUEgxM1JQeGw5N3RqeF9lODMySl9STnVDd0FyXzNCWEtRM0ZTWllUVWw1T1lqbXRVNHlBQWpjMGoxNTB3MUpJZ3RlSHpINWJLSDU4RUc1aFRwTlRHUHk2anhOMzZGMEVpXzBYZXNTMUU2VWJvUGZScmVHX2l0OWVoRFVsbGZmZWNvYkdBWUZ4SmNqYnM2VXhNOEtHZWxpd2VRNlZhOXgxV3BiVWg5TXhjQThLdlVJT2U5OVB0am9VUTRt?oc=5) · Texas Border Business
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2021-10-11 [Rodney Newberg Obituary (2008) - McAllen, TX - The Monitor - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZlh3cWpHVXlOcVdYM045RWx3aEU1bkhRa2dVNVp5cXdKem1ZTHZ3elF5SlZLaDVRaU8wa1pZd3daa1cxQUZzb1JWSWVXd25QMFpheUwwdHkyUy02T0JRM0JNQU1jdlZfS1dwS21YYTJHc3kzTTlndFJXLUkyRVFJYl92cG1tNjA3eVZQUHJwOW9zUQ?oc=5) · Legacy obituary
- 2017-03-05 [Manuel Rivera, Jr. Obituary Mar 5, 2017 - memorialfuneral.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE5RVFVaVy1MaV83eE9HZk5BZjNxYUo0azVjTkJMcS1yTUt5TXlzWlE3R1FrZEpvUkRiN2NwS0oxLTg3RS15elRfanNCV0tXYzFaazJlS2xVQkItOERZUkUxM1JGeWdjb1hoZzN3?oc=5) · memorialfuneral.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10994 (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/50.json (key "10994", 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=10994
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide