# MOORE COUNTY SCHOOLS
Dumas, TX · NCUA charter 11458 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/moore-county-schools-11458

Who the members are: federal charter, multiple common bond, organized 1956. 813 members of 2,000 potential (40.6% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 53.

**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 | $5.2M |
| Members | 813 (-1.4% YoY) |
| Full-time staff | 2 |
| Net worth | $643,567 |
| Net worth ratio | 12.3% (p33 of band) |
| ROA (annualized) | -0.19% (p20 of band) |
| Total delinquency | 0.29% (p36 of band) |
| Net charge-offs (annualized) | 2.33% (p94 of band) |
| Loans / shares | 76% (p77 of band) |
| Cash / assets | 27.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.38% (p69 of band) |
| Operating expense / assets | 4.57% (p71 of band) |
| Vehicles % of loans | 80% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 16% (p91 of band) |
| Vehicle delinquency | 0.04% (p34 of band) |
| Vehicle NCO | 0.32% (p77 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 16% |
| Average share balance | $6,022 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $134,609 |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $8,068 |
| Loans granted, annualized | $1.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $134,609 outstanding purchased (20.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -16.8% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2024-01-16 [Deborah Ellen Willis Obituary Jan 16, 2024 - Beeson - Beeson - Morrison](https://news.google.com/rss/articles/CBMidEFVX3lxTE5XWXNVeGNUckROV0V2YS1yaUF0aHZ0UlprRkl6bHctcExDUWo2UVBrRnA4aGIxSExBNm5nSkVTZ1gyWXBjS0hEb1lFcnRGc3hDYXI0aFFIazU0dTZxVVY3Nnprcko0MHBfM0xPc2gtc3ZUM3Aw?oc=5) · Beeson - Morrison
- 2015-03-05 [Charlotte Ann Spann Obituary Mar 5, 2015 - Lucas Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTFBGTEhlejJNX0MwNXR0S2VCcndzYW9Wek5VU2R1Vy1nbG9RaE1UWlZRM0o2RTczMndIb2VkYTk5TU1zRzN1QjhyYnlXbDFUTUxUSW5zRmhOWXFCMWk4TlN6ZTBPZEt3OEFKQjZWNQ?oc=5) · Lucas Funeral Homes
- 2025-02-02 [Lawrence Harley Bussard, Jr. Obituary Feb 2, 2025 - Beeson - Beeson - Morrison](https://news.google.com/rss/articles/CBMie0FVX3lxTE1sTFRFNjlVUThWNFFuZGZrY3NPNFJzWjdaeHZRa2RVc3pkZnpFdmNENm5RaldSZFpVMG5ubXd3V2JZZWQ4MHFsb2o5M3pHcUs1cGlVeGNCRkJreGNnNUVRZ3I5NzRJa2ZOQ3FRT3R1ODVCQ1Q0Rk5Bemt3OA?oc=5) · Beeson - Morrison
- 2017-02-23 [Community photos from our readers - The Fayetteville Observer](https://news.google.com/rss/articles/CBMivgFBVV95cUxPTl92S1BRR3VNcUZhRnl1OUtSQUdQZEhLcVEyWlltR1dncUV5MkcyWGRoc044bWZkMHhvVXVETzU4MGxJZjc1SWRnNHJQbTR4UlJPTERNN1FkZFdWS0VjWUJNWGZKRjZpdlMzZjg5Ni0wZEw4dEhTM3BLNzZ3ZUpZSmVaZXdWVFJqREN1aWRaa2p4SG40Q1NKMHctcEhRSUd0R21DbnY3LS1NM0pxNTJvc1BSeVprdHhGRmVMREJ3?oc=5) · The Fayetteville Observer

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11458 (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/2.json (key "11458", 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=11458
- 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