# LAREDO
Laredo, TX · NCUA charter 11011 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/laredo-11011

Who the members are: federal charter, community charter, organized 1956, low-income designated, minority depository institution. 18,088 members of 255,205 potential (7.1% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 24.

**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 | $135.9M |
| Members | 18,088 (-0.6% YoY) |
| Full-time staff | 39 |
| Net worth | $15.2M |
| Net worth ratio | 11.2% (p43 of band) |
| ROA (annualized) | 0.63% (p45 of band) |
| Total delinquency | 0.29% (p22 of band) |
| Net charge-offs (annualized) | 0.46% (p63 of band) |
| Loans / shares | 63% (p36 of band) |
| Cash / assets | 19.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.23% (p80 of band) |
| Operating expense / assets | 4.43% (p76 of band) |
| Vehicles % of loans | 64% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.16% (p17 of band) |
| Vehicle NCO | 0.34% (p39 of band) |
| Repossessed % of vehicle book | 0.06% (p74 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 9% |
| Average share balance | $5,566 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $17,713 |
| Loans granted, annualized | $33.2M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 0 |  | thin capital, delinquency 2x band |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | repo signal |  |
| 2018-06 | 1 | losing money | delinquency rising, repo signal |
| 2018-09 | 2 | repo signal, assets shrinking | losing money |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | members leaving | assets shrinking |
| 2019-06 | 1 |  | repo signal |
| 2019-09 | 1 | repo signal | members leaving |
| 2019-12 | 2 | losing money |  |
| 2020-03 | 2 | net worth falling | losing money |
| 2020-06 | 3 | delinquency 2x band, delinquency rising | repo signal |
| 2020-09 | 3 | repo signal | net worth falling |
| 2020-12 | 3 | margin squeeze | delinquency rising |
| 2021-03 | 4 | thin capital, delinquency rising | repo signal |
| 2021-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 2 | auto monoline |  |
| 2022-09 | 2 | members leaving | thin capital |
| 2022-12 | 2 | assets shrinking | members leaving |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 6 | thin capital, losing money, expense trap |  |
| 2024-03 | 3 |  | thin capital, losing money, expense trap |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 1 | assets shrinking | auto monoline |
| 2025-03 | 1 | auto monoline | assets shrinking |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

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

- 2026-04-17 [Gilberto Ramos Obituary Apr 17, 2026 - Joe Jackson Funeral Chapels & Cremation Services](https://news.google.com/rss/articles/CBMidEFVX3lxTFA4OHFvdVp0bzhjdy01X2NXNmdud3dSeVdydGFld3JFYXNtb1lmSndrWkZrSkFtRjhMbU5Ta3pyaWcyRTJfZDVWYzhBX3NyNENIcXJKc3FXcEJRcG9CZ29Jc2dEU1lhdzdnSUlkT2xQNGdGNzcz?oc=5) · Joe Jackson Funeral Chapels & Cremation Services
- 2026-06-26 [Hartford man says credit union wired $22,000 to fake dealership, leaving him on the hook for loan - TMJ4 News](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNbXpkZVBVSHMzT0ZCLWR0dWhVS2Nua3BsNFNhMlBTcGtxUWo4Q21NRmVxQ0l2OFNtSEw3TTREczNEb2E3RmxHbC1kVy02OFdlakRkWG9ELVRybEl1X3lVcDBOZWxtNnJXMVFyZEdmLUM3M255UXppdHpFa3o2TzRyemVvZjVJWGliTEdfVlduSDcxdzdXWjJjcGFtUEV6SlBTTU5tQ2dPemVXNUlocmluUi1ZOE41QzRqZl9LbC11cjVJSUo4RUMya0p3eXY1emgydWc?oc=5) · TMJ4 News
- 2026-01-15 [Details announced for WBCA's annual H-E-B Fireworks Extravaganza - lmtonline.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPYzZ6QmRyR09TVFRrZnVVRzhiQ25EeTQ5TDZWYVNGVEZnSzFFcm4wZmJmeU5DLVdYYTJJNGxVOEZOaU1ucFRtMXhNanFUc09IVHRsODVuS1RiZ3d0TTdwQVJYTGRWWVpxSTk1X3hISTB2Y1BDYVBMSDZ6eVJzWnBiQi1USzA3dzlCZV9kUnd5dzl0dGtSUTJrUFN3?oc=5) · lmtonline.com
- 2022-03-17 [Security First Federal Credit Union names new president/CEO - CUInsight](https://news.google.com/rss/articles/CBMiogFBVV95cUxNRlNBZDFjSXllTGl4NktYdlhwdTlvNGVvaTgzOG9CclNxbksyVk5HZUlyWm1lanlzVXB5dG5weHljRF9EUE1iVDVCV09xZzdRVDJoclJHN0QtY2hvLTVGZUlUMGw5ZHZUWVk1ejhzT0dyUjZ1OFctZTA1OXkyaThpcDBOMENuWU84d0YyREhFeUtNM2ZwcXdnMkVIUTVON3hBS2c?oc=5) · CUInsight
- 2025-12-23 [By the numbers: Abstracts of judgment; state and federal tax liens - lmtonline.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQMzROd1l2UDBOOEYxbG9pVHZRWk1xWmNzRVc4N3JUWUVqbVlaMDlaQi1ENjRsTU9XcDBSNWtqc29NS3lPYlU2OWxoYmZYdHhRVEhya2xmZmVjdFhudHM2Q2JkaVlpZXdPRkg0N1lUUHNyUElsc2RlcDBZOVJoc016MVd6TG1ZWTdjUV8zT055X1JlMU1xM2VZZHgzRHhqUQ?oc=5) · lmtonline.com
- 2024-12-31 [54 Hispanic American-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNmt0RG9HN2paQWIzZFhYT1ZrSzJMMFB4RXpMdnRZRThiZUFoLUlDVWJUWmQwYVBTZ3NQNU9JRVJHcG9QZUZuTklnUlc1MzFncHhidzRmc0p6RFRXYm43WlUzT2RvckFKUGNiNEpIU1hzbkozLWtVX2p1V1ZCNVZiNmN4T2lKMXpGU3RVTkpGbWhsa0E0SXZ4WlBUMnVhTFAzcVE?oc=5) · businessinsider.com
- 2019-06-19 [Security First Federal Credit Union lands new CEO - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxOUk9nakNXa2kwLWx1STMyNzhNTVlBOHpUdkR5VzFOcEJXOGJsRWE5d0IybGt2OXBIMUpfVWVHa1hkZ0VUeHpveDNrX29pU3lxNjNmTDhzbTkwSW5qZGdYNDFQNFVFVTdMQmFWZWZpcG5CWXVhVVdETzZObWhEVXZGSE5GZXpTUkhUbTY4Q1A3VmltLWhjQlRaR2VSYkpSTE0?oc=5) · American Banker
- 2024-03-11 [Photos: LFCU makes donation to Laredo Olympic boxer Jennifer Lozano - lmtonline.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOX0ZWMmNEVkNwdWhINl96ZkxSVDliMC1ZeXh0cDVSdDNWUjU0SHZWZVU4UUVyYXFnSDRQcmRyaENxcDN3WjM5R0FLbXZPWnJPYnd1YXZaSU9DSWFDaWo3a29GQTBIUFhsb1lXM21kaUpNUmdtNzBraUJkdXY5eHR2VUNxYlhBcXdvbl9kQi1rdlJHbUpST19BVw?oc=5) · lmtonline.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11011 (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/3.json (key "11011", 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=11011
- 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