# LONGVIEW
White Oak, TX · NCUA charter 1130 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/longview-1130

Who the members are: federal charter, manufacturing (single sponsor), organized 1936. 508 members of 700 potential (72.6% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *auto monoline*. 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 | $3.2M |
| Members | 508 (-2.9% YoY) |
| Full-time staff | 2 |
| Net worth | $790,711 |
| Net worth ratio | 24.7% (p86 of band) |
| ROA (annualized) | 0.36% (p40 of band) |
| Total delinquency | 2.61% (p84 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 110% (p98 of band) |
| Cash / assets | 13.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.10% (p88 of band) |
| Operating expense / assets | 5.00% (p78 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 | 3.18% (p88 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,776 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $13,860 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **loans>95% of shares** (`str_ltos`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, charge-offs p90, auto monoline |  |
| 2016-06 | 1 |  | delinquency 2x band, charge-offs p90 |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 5 | delinquency rising, assets shrinking, members leaving |  |
| 2017-09 | 2 |  | delinquency 2x band, delinquency rising, assets shrinking |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 | net worth falling | members leaving |
| 2018-09 | 2 | assets shrinking | net worth falling |
| 2018-12 | 3 | delinquency 2x band, delinquency rising | assets shrinking |
| 2019-03 | 5 | losing money, assets shrinking |  |
| 2019-06 | 3 | loans>95% of shares | delinquency 2x band, delinquency rising, losing money |
| 2019-09 | 5 | delinquency rising, members leaving |  |
| 2019-12 | 3 | delinquency 2x band | assets shrinking, delinquency rising, members leaving |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | delinquency rising, assets shrinking | delinquency 2x band |
| 2020-09 | 2 |  | delinquency rising, assets shrinking |
| 2020-12 | 3 | members leaving |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2021-12 | 3 |  | delinquency 2x band, delinquency rising |
| 2022-03 | 2 |  | members leaving |
| 2022-06 | 3 | net worth falling |  |
| 2022-09 | 2 |  | loans>95% of shares |
| 2022-12 | 5 | delinquency 2x band, delinquency rising, members leaving, loans>95% of shares | net worth falling |
| 2023-03 | 5 |  |  |
| 2023-06 | 6 | assets shrinking |  |
| 2023-09 | 5 |  | members leaving |
| 2023-12 | 3 |  | delinquency 2x band, delinquency rising |
| 2024-03 | 3 |  |  |
| 2024-06 | 9 | delinquency 2x band, delinquency rising, charge-offs p90, repo signal, members leaving, loan book shrinking |  |
| 2024-09 | 8 |  | loan book shrinking |
| 2024-12 | 8 | loan book shrinking | members leaving |
| 2025-03 | 7 | losing money | charge-offs p90, loan book shrinking |
| 2025-06 | 5 |  | assets shrinking, losing money |
| 2025-09 | 5 | losing money | repo signal |
| 2025-12 | 5 | assets shrinking | delinquency rising |
| 2026-03 | 4 |  | losing money |

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

- 2026-02-12 [Newgate Mission in Longview gets over $6,500 donation from Eastman Credit Union - KLTV.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQWlhGeGU0M0NBTHBwQ3NEbjdGeTVJemVha1MyWWhMbm4xZ2JxNTJLZmRlZ0xHWi1lN3dBZTh5dWtDVGVkUXVxaF9sX2IyVnZUM0M2ZVVmSmZqVlFfWlNNS2hPcDRScnQ4V0dlbE45blk4QjFuMlNCNFZ0bUZUVDhUXzNDbUNtQjBnQ01xWXNOcjZaSEhZWmhrVk1OaDF3MWJ1cXBKMNIBuAFBVV95cUxOdkk5UDV0cWZaeG5jczUtUXRVNndUZkEwdWFTTFFEYlgtX2FFaDFMRjJiNzdUZVFiSzZ6UnhNeEx4QWRsUWxoMURzYmlsOGNwazdzVWRUMWp4ZVM0OWdmVWxmbzJjQVpGV2Z5aHpQU1BrWHFLVlR1M3haV3dvd2NGNTgyYWd2VWVWQkpLMDVPQVdEVGY1UlVXYko2ZFFnZzRwUEwtSVkwMl8ybElsOGhacWMyYkdXeFlF?oc=5) · KLTV.com
- 2025-11-17 [Business Digest: Eastman Credit Union donates to food bank - Longview News-Journal](https://news.google.com/rss/articles/CBMimgFBVV95cUxOR0RLQ3ZrVFllU1BXemlyRGEyWVRxYXVfT1I0Nkk0bnZqd01OVXUwNzctdTNtOWpWbWVfNVEwR3cyWEdfUjNyTEZfenVYbXdnSEx2TjN0Mkdxa2dROHVfN1FVQnFtRlhaSjhjeE5WcDVwZHpjODJsU2ZtaGFqdnptYnoydTR1LWZfLWQ4OWkzSTlfNHRGSHZiNmRn?oc=5) · Longview News-Journal
- 2025-10-01 [Longview ISD launches inaugural State of the District Luncheon, showcasing student talent and district achievement - Longview ISD](https://news.google.com/rss/articles/CBMiVkFVX3lxTE5wYjJaNUFvdEFKQ2IyWVFrb1J1SDh0WFlBZkpfcWpOeHl0WU00Sk1kanBVdXJkOEV3WFlBZ0tNcnRhOUxBY2trY3hERHg4T016bGRCRDhn?oc=5) · Longview ISD
- 2025-03-26 [8 BIG Reasons People are Making the Switch to Eastman Credit Union - cbs19.tv](https://news.google.com/rss/articles/CBMi5AFBVV95cUxORnFpSDNmQzJreEF2LXV4bGZMbUtuWUNhZXV3WWNOQUlOM0VKS1FlZEJqVlJ4MS1TUUd2QkF5VFRUYUllczhvNkU0NWl6ZE9LS09lVGo4bDk5NGJpdzFOZm96WkhHRkQzVV9DemhZNHZQaWlwMW10UzhNVEp5SDdWZUI4U1o2M1dMWUNhYVhWV0lLWVgtX0RVWFl6VVdzUF8wUW1YT2lrcDJSWTAtMHlyMEl1cXZlV0lfOGJqZWdYSnhreE5sdmh3NHpqLVdFejY5X1NhWFpNUWd3S1RXdThBTVJiaEM?oc=5) · cbs19.tv
- 2023-06-20 [Forbes 2026 America's Best Credit Unions In Each State List - Forbes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vRWJOaE5OZ1NrY3RJeUZnWS1yRXkwMUYzYllJMTN3VEQxTWtwNHJGdC1FejkwVF9UT045OWFhQ0NSWmtzTHBJeXZFSFdydTNuc2VyT3BjUGRLcmlWLWhaVHNJUVZMRHNt?oc=5) · Forbes
- 2026-02-09 [Business digest: INVISTA names new president and CEO - Longview News-Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxNQVh3a09XcDJxUEpzN0ZJTEZRZEc0ZzUtZzFQdnJ2b0tuRHA0T0dMRkE2STNPU3djQmwzR2JtRTJJcndwZHhQQmFCTUl6QVpYMTJfOFlxajVhM0dFZU5XMXpoNWhnNzB1ZTdtUjdfbzY2MkltbnZSWW5aaV9iNWNlaXg3bDVFWkg5eXZnTXFSeHc0Zw?oc=5) · Longview News-Journal
- 2022-03-17 [NewGround celebrates groundbreaking on East Texas Professional Credit Union headquarters - CUInsight](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPUmZIOUQwLWFMNjN0eDdWQTgyZWR0UFpOSTlEcW1ycDI4THpmMmVSQ04xX0ZoTUNTVVZkQVJyaGQ0eVRsZVhhV2NRSkJDd0ZpbmxLc0wyMjdmdGZsbzVDMWo4THBpUmVlbXAzcEFqSjdfMkI3YXE3V0wybGh1Z25ZODhfUlpkVHQ4Q2ZNbkd2OGJmYmNFNXJEaHpRdTdEblU2Tk9JUTg1c09pSUZfTGhlSksxbzJtWkNXRlVtLVVENGpMSUNMcWdRUQ?oc=5) · CUInsight
- 2023-02-24 [Navy Federal Credit Union Data Scientist Salaries in Longview, TX - Comparably](https://news.google.com/rss/articles/CBMiowFBVV95cUxQSmRiNS1HTmotOGpWY05NX2E3cm15Z0lQdkJJRldsdkpxUjVoOWJvMUpHekw3eGdWbE1QanM3ZzBwS1RrbFh0QUZ3XzRvRVBTWHl1N0lXQnpPeTA5ZnNrZFdaUVQwMFdyMHdVQ19QWE5ieUlLb2JIemtYMVVPTUNBU3FSeXNWcEw5cUdJTURScTRjNmpsQVQ0THNXT0JBNGtZRjg0?oc=5) · Comparably

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1130 (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/42.json (key "1130", 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=1130
- 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