# C A S E
Tyler, TX · NCUA charter 11299 · asset band <$50M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/c-a-s-e-11299

Who the members are: federal charter, multiple common bond, organized 1956, low-income designated. 678 members of 2,200 potential (30.8% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.6M |
| Members | 678 (-33.8% YoY) |
| Full-time staff | 1 |
| Net worth | $509,826 |
| Net worth ratio | 9.0% (p12 of band) |
| ROA (annualized) | 1.94% (p88 of band) |
| Total delinquency | 0.65% (p52 of band) |
| Net charge-offs (annualized) | 0.00% (p34 of band) |
| Loans / shares | 39% (p21 of band) |
| Cash / assets | 64.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.02% (p57 of band) |
| Operating expense / assets | 2.36% (p18 of band) |
| Vehicles % of loans | 81% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $5,109 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $10,357 |
| Loans granted, annualized | $1.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **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 | 3 | members leaving, loan book shrinking |  |
| 2017-06 | 2 | delinquency rising | members leaving, loan book shrinking |
| 2017-09 | 3 | net worth falling |  |
| 2017-12 | 2 | members leaving | delinquency rising, net worth falling |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | net worth falling |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 1 |  | members leaving |
| 2019-12 | 4 | delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2020-03 | 2 | net worth falling | delinquency 2x band, delinquency rising, loan book shrinking |
| 2020-06 | 3 | loan book shrinking |  |
| 2020-09 | 3 | margin squeeze, delinquency rising | net worth falling, loan book shrinking |
| 2020-12 | 1 |  | auto monoline, delinquency rising |
| 2021-03 | 4 | net worth falling, losing money, auto monoline |  |
| 2021-06 | 5 | delinquency rising |  |
| 2021-09 | 5 | members leaving | delinquency rising |
| 2021-12 | 4 |  | members leaving |
| 2022-03 | 6 | delinquency 2x band, delinquency rising, members leaving, loan book shrinking | net worth falling, losing money |
| 2022-06 | 4 | losing money | margin squeeze, delinquency 2x band, delinquency rising |
| 2022-09 | 5 | net worth falling, delinquency rising | loan book shrinking |
| 2022-12 | 4 |  | net worth falling |
| 2023-03 | 5 | delinquency 2x band, assets shrinking | delinquency rising |
| 2023-06 | 4 | net worth falling, delinquency rising | members leaving, delinquency 2x band, assets shrinking |
| 2023-09 | 6 | delinquency 2x band, assets shrinking, members leaving | net worth falling |
| 2023-12 | 6 |  |  |
| 2024-03 | 5 | expense trap | delinquency rising, delinquency 2x band |
| 2024-06 | 3 |  | losing money, expense trap |
| 2024-09 | 5 | losing money, expense trap |  |
| 2024-12 | 6 | loan book shrinking |  |
| 2025-03 | 5 | net worth falling | losing money, expense trap |

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

- 2026-09-04 [Raiz Federal Credit Union’s ROI Case Makes the Argument for Platform Consolidation - The Futurum Group](https://news.google.com/rss/articles/CBMitwFBVV95cUxQWWd1WVR2RHRqMG1NRWdEdGE3dVBScnBPcUJYbUk0MXFuMm5tZnhFeldaNVljQ0Vseko2V0hid2swRkNkaWxlUE0zT05YdG1fTTVsd2VVaWxBR2tNTEZQaXQ2eVJxYkhvdEo3Rkkyb2NkVlJ2X3ZNc0xJalk1c1RoRnNuYVg1WkZadkRwUV9yX3FBV1JRekl6YzhzaExMcGx5UDRfMjR2aTlpVUFhMzNvZ0JuLTlYV1k?oc=5) · The Futurum Group
- 2026-09-01 [Sheriff’s office: Second Aurora woman charged in credit union embezzlement case - WCTI](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQYXlEYUdCNmVZeEdSNVNyZm90MVpFYjJ2bkVsVk5VdEVzc2h4anZnQUtDazRuREJTTGRVc0N5SU5qb0JLdG5DUjI5UXV1bElMbTNTaVBUQUQxb0RLSDlBa3VaVVdLTWoxUkFxcGJTcUJNbmNfX1VhaEg4X3VjTGU5WEY0aGF0M200UFcxMk1ueGVuaG1RbV9qbUVDZUw5enF4ajNwYmdmU1cyN1k?oc=5) · WCTI
- 2026-09-03 [Online account opening fell from up to 9 days to about 4 minutes at a Texas credit union using Alkami - stocktitan.net](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQWmhDNlQ1RkJlaDNIaW1DaEVucUVUZ1UxellnTXlKOHhlX0RpWjNHb2N0Qm82Mk5DdnNMRHhoSjJSaFN4Y0RGUU0yNzJOV1RCVmRpT19xSnI2TUQ5XzI1c1Fva2x2blFwNUZDNnN3N0xxVFJGc0hTT0FKT3FvQ0RkYTI5el84SVk5a0dMQ0sxZHlQRkVMQ1RCWHdSeUZ4RktiRmg5NW1DY0VQTldPQ2xiZ3hTZ1puUENtMll4SzhyaHc?oc=5) · stocktitan.net
- 2026-02-09 [Former Credit Union Employee Sentenced in $588,000 Insider Fraud Case - CUTimes](https://news.google.com/rss/articles/CBMipgFBVV95cUxQVXVOY0VEN3lQX01lSURoT25WOXduS1dIVGRHNHlwZkVDM1Y2a1RBZVpsZkxwZHlhRXhSY25RRVZmdEZVOGZ2T250VjdsVTJMWGVISEtyWi0yMEVHaHB0ZnpmR3h0Q0M4X3FSVDI2ZkhVMGw1VnhPUGxldmR3bVp4NlM2R0lfM2JYWG9kMXQyS2ZtcllMSE5wZjJoRHNHU2w5ckpLU2dn?oc=5) · CUTimes
- 2026-07-30 [Ex-Credit Union CEO Takes NCUA Fight To Supreme Court In High-Stakes Constitutional Challenge - cutoday.info](https://news.google.com/rss/articles/CBMiygFBVV95cUxOU1V5Q25pTWhTWFRXQlhudjc1Z1hoN3lhZnlRT0lSNjlRV2ltdWp5YVJSbUd1SG1nWlZjb0tmYVo4YlFoTnV2bGVkM0xWQkJqNTVzTmtlZWNaVjNLdFJJNVlad1EyUTJMVXBDdnZLZUNtVWVITk56a2NUdC1SNEc1NEpkSE85S0Zab3psdG5MQVF6dHUzZjlINWE5X1FzRTZGb09nQkRYdVhGcjBsZ211TmlCTFFOS1RTNXdmc2R1Q0VwOVB0RWo2QWlB?oc=5) · cutoday.info
- 2026-02-20 [Former Odessa loan officer expected to enter plea in credit union theft case - CBS7](https://news.google.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?oc=5) · CBS7
- 2026-02-12 [FBI Arrests Round Rock Man in Austin Telco FCU Robbery Case - Texas Border Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxNMy1YUjJJWlZXaF93c1habWU4Ukk2UDRsN3hNNnItNWRBNTVUbFl4ZW1aWkQ5eVhvTU00eU1NaEt5VFdQUGdQZXVaNWxlZk9qejFGenNQeVBtRFFmWnR0eWwxTmVxeUdjb2l3Ul9tX3BUZzd4YWRoX0lIdjlUbHlrbXhqbkNUcl9JakYwdjk1dDE5Q1llVjVF?oc=5) · Texas Border Business
- 2026-06-21 [3 Texas men sentenced in Prattville ATM robbery case - WSFA](https://news.google.com/rss/articles/CBMiigFBVV95cUxNbE8zUGFoXzk5XzFwTXB5d3FwWVlDNXpxY1QxMVQ0TEROdEpsVllXTVczMHJJRWd1NEk2MDgxNTQtS1ROLUhtNXByc2F1anBkYlduTmNXakl6SHp1dmtOOWFjWDVLaFgtVnRJYVhwRUYtOHBlZmdFbDVpcFdzYzFfY1ZITGN3Zm10YVHSAZ4BQVVfeXFMT09rN2hyZW9DR0xyZXZsM21UbVhiX0k1Wmo2RWtDUlJTZmk5SzdsSmFmSkhRY2ZMa0hvNl9teDFCdXBzMFdVdEhDdWluTXA5N3RjZTRQWkZSSDJPS3RCMF9Wb2RKQVV5UGpMZkpCN0hFUEVVSWpmMTltODhadU83TzFhNHJoWkcydVBqemkzQVU5d0lkUEx0VmsxTVVJeUE?oc=5) · WSFA

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11299 (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/35.json (key "11299", 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=11299
- 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