# TEXAS FARM BUREAU
WACO, TX · NCUA charter 11231 · asset band <$50M · latest filing 2019-09 · stopped filing after 2019-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/texas-farm-bureau-11231

Who the members are: federal charter, service (single sponsor), organized 1956, low-income designated. 1 members of 1 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $12,611 |
| Members | 1 (-99.9% YoY) |
| Full-time staff | 0 |
| Net worth | $12,611 |
| Net worth ratio | 100.0% (p100 of band) |
| ROA (annualized) | 265.49% (p100 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | – |
| Cash / assets | 100.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 698.74% (p100 of band) |
| Operating expense / assets | 1290.22% (p100 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | – |
| Certificates % of member funds | – |
| Average share balance | – |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | assets shrinking |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | assets shrinking |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 1 | members leaving | delinquency rising |
| 2019-03 | 2 | assets shrinking |  |
| 2019-06 | 4 | expense trap, loan book shrinking |  |
| 2019-09 | 4 |  |  |

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

- 2026-01-02 [Burton graduating class awarded nearly $360K in scholarships - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNOVpVRmVzSXN4dkZMQ0lmbWRwM0pJeWhEdnBGaDFRRk1DNjNfZF9BRGxOcGU1NUxuMEZYXzNrWVdxXzA0bjlrTHdWdnJNTnZ1T2FsQzBPVVNZUGYtbDdQTmZjRURSeVgzZExNTEZhUm5nMnJSbWZ4UE45VmVMZGRuOWViVUhaeV9YVC16R2JwdDB3bnFDVktVSlJseFlSTnJhc2tVdnFqYWhUR0F1dk9BYTV5NjQ5ajRFSVFfU0ZzdnZwY1BQMXhMakhWRlRWdVUyaXNBRk9DUVRBYVdqWWlxTTNtM1NyV3FybmV2Um9ka3hZYVNsSmZEWE9B?oc=5) · SouthTexasNews.com
- 2026-03-19 [Judgments: March 1-7, 2026 - Longview News-Journal](https://news.google.com/rss/articles/CBMibkFVX3lxTE5weFlVSk1mUHRfaHVaZlZTbUk3RDNKUUhKaUNnTWFJeEFPZk9BT1BLd19KU0lwR0RlSHhENWwxZWVlLUx1TDByREowY2ZBelUxemxPSTZ3R29sVTFmQ0ZCUU5VTmtJZlgzYVVyMzB3?oc=5) · Longview News-Journal
- 2019-10-04 [Erwin Edward Abel Obituary Oct 4, 2019 - Wilkirson-Hatch-Bailey Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1Ya0l1S2lZWXJPWnRfUzdNMk1iZ3p6b0VJcXJGWl9qZGZpcFNiU1JEUGd1RzFWaWlPXy1hYkhERmF4eHAzTkxZMl9PanAzWnVYYndSMnI5Q1JBSTFFSUJhbmotSVg?oc=5) · Wilkirson-Hatch-Bailey Funeral Home
- 2024-10-18 [Fannin County Family Crisis Center holds 4th annual golf tournament - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTE9oSklZdi1Zb0Jpb2YzUVctd2ZZbS1CdzlTckg0NktYeXpLM3N0MlZQYUNRYlQyZ0hmWGFfd256LXpzY0hDNUxqZGZRRURPV21zN2ZfQkdwRUdYem55a0d6WWdZSTgxSGItZHZPYTR3?oc=5) · North Texas e-News
- 2022-06-24 [Record Breaking Sale: Grand Champion Steer Goes for $20,000! - Freestone County Times](https://news.google.com/rss/articles/CBMiW0FVX3lxTE05N2dncy1lWEQ2T1Z3dUJVWmpDOG94T1RQZWU3UWlFQ1BlQzdzajJoNktOQjBudV95Q1JIT0xIc0g0QmpwV2dXVXZqbGs1WDBfaVV2ank4ZHBkMVk?oc=5) · Freestone County Times
- 2024-12-09 [Brown County Toys for Kids drop off locations - Brownwood News](https://news.google.com/rss/articles/CBMikAFBVV95cUxOXzJqMnJWUU1rTUMtcUQ2cEN3VXJkV1Y1WU9QaWF5SGlqRW82SVBEVmFoeURNSVpvYUJxZGFDVmxMYW53WFdaSlRScHNfVXV2RTEtUGpkZTg0RUNLVEhkU3VWZUdmWTB3eDRiN0FCNXltVUk2QmpHQkpWeEZRTnR6ZVAtcjkzWll1c2RfczFLQkw?oc=5) · Brownwood News
- 2024-04-02 [Sugar Land Space Cowboys six-game series schedule from April 2-7 at Constellation Field - CW39 Houston](https://news.google.com/rss/articles/CBMisgFBVV95cUxOaFJlT3hyWUVxamhCc2I1N2Zoak9GOGZyS2UwTy11UThjVm1OaU8wUHRrQUpJTDUycTJsOWk5QWJQUkczVnNZUWxacXN0UUxQX0VjTHVhNUwxUDBEM2swbDFYZ05iQUp3TFJxejBUS0hjLV9FQnlSNDlic3RmVGtVSUN5c2d5ZWVIOTRSSkdSMHJZV2d4UEkyb2hPaHhCWUFvRVBFZWhSX2RVWThZa0xVQ2dn0gG3AUFVX3lxTE1OcFFodkM2WXNMc21pMWFvMWtrcVZGV1hSclFZVWt1aXdwc2xtOVBkMHZGTk5DOWE5dUxFTmhuT2F4ZXFHRURRX2h0MUN0WWpGNmdWS2xhSGdyc3o3cmlKYWJ6VjRfcVU5Q1FYbjgyVDZfTEloRC04OTdMemFmMDZEdnlwTnNabkZmUlpIcXI5ODNNZUNlVjNjZzk0M3c3LWhCS19Hck5TemhFQzYyQ1d3emdnSUE1NA?oc=5) · CW39 Houston
- 2016-01-02 [George Jones Obituary - San Angelo, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOMUtCVkRTcWdtOUdKUkY5dzNHZTFWY1N5dlhnMGIyd1M3YkZpYU9uczB0S2FrRldNYnJFRVJIaTRwSlpqcnBsRGZSQXAtZUotWjFNSU9FUUdkVXJlNUxRZnNFYk14bTFreV9pcUJBaFVpeG0wbXd3U0VfbjlGY0FUb0lpSQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11231 (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/31.json (key "11231", 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=11231
- 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