# CY-FAIR
Houston, TX · NCUA charter 11452 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cy-fair-11452

Who the members are: federal charter, community charter, organized 1956. 25,878 members of 4,784,127 potential (0.5% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *participation buyer*. 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 | $387.3M |
| Members | 25,878 (2.1% YoY) |
| Full-time staff | 73 |
| Net worth | $35.3M |
| Net worth ratio | 9.1% (p16 of band) |
| ROA (annualized) | 1.50% (p90 of band) |
| Total delinquency | 0.97% (p78 of band) |
| Net charge-offs (annualized) | 1.03% (p88 of band) |
| Loans / shares | 69% (p40 of band) |
| Cash / assets | 8.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.54% (p94 of band) |
| Operating expense / assets | 4.22% (p72 of band) |
| Vehicles % of loans | 31% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 28% |
| Third-party paper % of net worth | 105% (p59 of band) |
| Vehicle delinquency | 0.59% (p52 of band) |
| Vehicle NCO | 0.70% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 18% |
| Average share balance | $7,880 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $27.0M |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $13,158 |
| Loans granted, annualized | $56.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $27.0M outstanding purchased (76.6% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 3.1% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | expense trap |  |
| 2017-06 | 4 | net worth falling, repo signal | expense trap |
| 2017-09 | 2 |  | net worth falling, repo signal |
| 2017-12 | 3 | members leaving |  |
| 2018-03 | 2 |  | members leaving |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | thin capital |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 5 | thin capital, net worth falling, losing money, charge-offs p90 | delinquency rising |
| 2020-06 | 6 | margin squeeze |  |
| 2020-09 | 5 | members leaving | net worth falling, losing money |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 | net worth falling | charge-offs p90 |
| 2021-06 | 5 | charge-offs p90, loan book shrinking | margin squeeze, net worth falling |
| 2021-09 | 4 |  | charge-offs p90 |
| 2021-12 | 3 |  | loan book shrinking |
| 2022-03 | 4 | charge-offs p90 |  |
| 2022-06 | 3 | delinquency rising | members leaving, charge-offs p90 |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | delinquency rising, assets shrinking | thin capital |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 3 | expense trap | net worth falling |
| 2024-09 | 2 |  | expense trap |
| 2024-12 | 4 | thin capital, net worth falling |  |
| 2025-03 | 3 |  | delinquency rising |
| 2025-06 | 1 |  | thin capital, net worth falling |
| 2025-09 | 2 | thin capital |  |
| 2025-12 | 4 | net worth falling, delinquency rising |  |
| 2026-03 | 1 |  | thin capital, net worth falling, delinquency rising |

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

- 2026-07-24 [Cornerstone Resources’ Reagan Pugh named Chair of Cy-Fair FCU board - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNX1NTNVlrMkwyekRiZWJLNDlwZW4zYWl4VnF3NHFlQlFlb1o3NVNSQzVyc3dleDRPRHNYQ2FlNWt2X3kzcEZMVi1Db0FwUVpfVU42VDduclgybUhjSEVNNW5tWk0tUjYyV19oX3RVT1dUcXJmWkVMamh4VUdfUU14NFc0V0R1eV9JeThTM0Q1LUV5LVh4YmExV3VEeGxnLWxXQkFsbThwbUZBaTg?oc=5) · CUInsight
- 2026-08-31 [Credit Unions Press Congressional Priorities During August Recess - cutoday.info](https://news.google.com/rss/articles/CBMipAFBVV95cUxOeXZEemZkSmxad0pRa2NmUm5lLTdkcHNzX2ttdmxuS0tSa0R6YU9VQXpJd29BU2EtRDNhVl9fNjZ2elRUMXlMMkJ3YUdqcjZtNVpHVG5qSUZPWU1LVEJxTzB3RXJGMVQ1Y2lzdTRzb0VQbjVxNXNEZWt1cXI5WS1iamVRcjBKQU9WRTV4N1BPV3FaUXdJcWZjbHVmSlFySkp0SzN2Zw?oc=5) · cutoday.info
- 2026-02-07 [Debra Blackshear Obituary Feb 7, 2026 - Klein Funeral Homes](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5MQ0d4dldqcXZiMmUzci1jemdab2tBU2d0LV8ybGRlbEg4cVZ2QXJkV3lmVTF2SmZzM1o5a3hpS0oxNFphMEJwLWZTQTBEanVIWlZtMW5nN0hJc3RGdjFtWg?oc=5) · Klein Funeral Homes
- 2016-05-20 [Previously unnamed Berry Center athletic stadium to become Cy-Fair FCU Stadium - Community Impact](https://news.google.com/rss/articles/CBMijgFBVV95cUxPVjlUeWJ2bGNYVkY4Z003Ui1jYno3UE9Ob0NSaXJ1aTlZck9vZmlpZzBSVFRqUndWcV9jdmw5bDNFVk1lTkt0WFJucXNZQm5PbTFMODNnaFR1M2dBUnJYUHVQcE0zVTQ3aG1ZUkVzQUE5VUFVYV92Zzc5bUxEVEhUQmxXR1lTaXRWbHl3WU53?oc=5) · Community Impact
- 2025-02-07 [Former Prairie View HBCU credit union manager gets two years for embezzling over $200,000 - Houston Landing](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOQ1BXVC1nMF96YXBuaWd6ak5GU1gwTkR6ZjM3TFY2Vmg5eDF3WU9MenZOUDRaVkV2OGs5VDNYM2RUSHBsb29Bc05zeFRvVG4tQmZHTVkxX1RGMmUxSUhrYlF3TWRjWVRlWmp3Y1RURTI0X3VFQUxmeTluY3dkM2tIRlg1RnFidGFBSV9ZQ3FucDJrSlV5dVFWQ2dGcUFUaTNzeXpIU1JveFRqc3JabmlXT2J0M1ktNjBMYlU4?oc=5) · Houston Landing
- 2016-06-29 [Berry Center outdoor venue to be named Cy-Fair FCU Stadium - Chron](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNellNYXhqMzZyM2l5OGtxeWFuTERSWjJOOFVtU256TF9fWjF6NHhCWlhFV2ZCbFU4VUdVeTczSEwyWWN6T0VHcmJLOXhnNENtbjdRT3NobU5fbWZ3dFJBZF9CNWY2RURhN1o3NWVSVTR1eDhwWmtvWHZfNnlCZi1mNlRQcG5MRll5RGZCSVBhNHR0cGw3MXlaUVlZdnBCNnNBbVktdHBIdWVwX3FHdlExc0NXRmo5amNWY2s5YlpQVjBWUQ?oc=5) · Chron
- 2016-05-18 [Cy-Fair FCU Stadium a sign of the times - Houston Chronicle](https://news.google.com/rss/articles/CBMirwFBVV95cUxPTGdGbzBjcUhXZmE1ajlpZXFiZ2NJS0NHVzRDSGpYeWtka0x0bVREOWZKZjhhUTNTejZTbUJDOFFqT2pBT1lhajk2XzFEa21kZGI1bjVXMTJHbWhFVHBORmFRNG12TVpZam1STlA2MVJQZDUzdEsydkRKemNCUFl5SWd5U1prMVQwOVl5NEJZdkkzb1NyNUZQejB5UEcwaFZlZ0ZvQkk4MUc2TTYxcl9z?oc=5) · Houston Chronicle
- 2023-11-08 [Shell Federal Credit Union opens location at Grand Parkway, Hwy. 249 | Cy-Fair - Jersey Village - Community Impact](https://news.google.com/rss/articles/CBMisgFBVV95cUxQb19HeXp0bFVOa0tpenBoUk1ZSFRrV0diaUsyOE1OWUZndkdfT0VDVVVVUFZyQTMtS0c4UDhUekRGNUxldUZsZFBxOUkwdGwxQm5vVVhIaExETEhtS0VqUjFadlJ6Vk1xeVpzenh1NTlPRWdCZEZJbnRGS0RCNko0S0djZFFpX3pXeC04Z1dqLXY0V3FUeUtWOXUwN2pNZmVFRDRjeW5SNjB3aHRlVTRCY25n?oc=5) · Community Impact

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11452 (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/60.json (key "11452", 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=11452
- 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