# TEXHILLCO SCHOOL EMPLOYEES
Kerrville, TX · NCUA charter 11576 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/texhillco-school-employees-11576

Who the members are: federal charter, multiple common bond, organized 1957, low-income designated. 1,827 members of 7,600 potential (24.0% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 98.

**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 | $27.1M |
| Members | 1,827 (-13.7% YoY) |
| Full-time staff | 9 |
| Net worth | $2.6M |
| Net worth ratio | 9.7% (p14 of band) |
| ROA (annualized) | -0.30% (p18 of band) |
| Total delinquency | 0.37% (p39 of band) |
| Net charge-offs (annualized) | 0.84% (p83 of band) |
| Loans / shares | 91% (p92 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.25% (p90 of band) |
| Operating expense / assets | 6.20% (p91 of band) |
| Vehicles % of loans | 54% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.62% (p55 of band) |
| Vehicle NCO | 0.26% (p76 of band) |
| Repossessed % of vehicle book | 0.46% (p97 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 30% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 41% |
| Average share balance | $6,293 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 98% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $12,178 |
| Loans granted, annualized | $8.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, expense trap, delinquency 2x band |  |
| 2016-06 | 2 |  | delinquency 2x band |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | delinquency 2x band |  |
| 2017-09 | 5 | delinquency rising, assets shrinking |  |
| 2017-12 | 6 | repo signal, members leaving | assets shrinking |
| 2018-03 | 6 | net worth falling, losing money | delinquency rising, members leaving |
| 2018-06 | 3 |  | delinquency 2x band, net worth falling, losing money |
| 2018-09 | 3 | loans>95% of shares | repo signal |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | net worth falling |  |
| 2019-09 | 3 |  | net worth falling |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | net worth falling | loans>95% of shares |
| 2020-09 | 3 | margin squeeze | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | delinquency rising |  |
| 2021-06 | 1 |  | thin capital, margin squeeze, delinquency rising |
| 2021-09 | 0 |  | expense trap |
| 2021-12 | 2 | margin squeeze, delinquency rising |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | net worth falling |  |
| 2022-12 | 2 | delinquency 2x band | net worth falling |
| 2023-03 | 3 | expense trap, members leaving | delinquency 2x band |
| 2023-06 | 3 | delinquency 2x band | members leaving |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | delinquency rising, delinquency 2x band |
| 2024-03 | 4 | delinquency 2x band, delinquency rising, loans>95% of shares |  |
| 2024-06 | 2 | net worth falling | expense trap, delinquency 2x band, delinquency rising |
| 2024-09 | 1 |  | net worth falling |
| 2024-12 | 3 | expense trap, delinquency 2x band |  |
| 2025-03 | 2 |  | expense trap |
| 2025-06 | 3 | net worth falling, delinquency rising | loans>95% of shares |
| 2025-09 | 2 | margin squeeze | delinquency 2x band, delinquency rising |
| 2025-12 | 2 | losing money | margin squeeze |
| 2026-03 | 5 | expense trap, repo signal, members leaving |  |

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

- 2019-12-02 [Hillis Herrington Obituary Dec 2, 2019 - Bandera Funeral Chapel](https://news.google.com/rss/articles/CBMiakFVX3lxTE5TQzY1NTFYbEw1M3Z1blhmWHZhRTF6VnZ4elZHWnRHeHVHc1ZvSVJyOW1lb1dvNnZVcTcyX08tbjEwYzRjN2M0cm5BeW9lM2EyV1NWTUYwVUxOOHFIcGJRN0NYSFpIUzZGS1E?oc=5) · Bandera Funeral Chapel
- 2016-06-09 [Jessica Brown Obituary Jun 9, 2016 - Kerrville Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTFBZMTkxc1ZNWXVhV3d2bTliek94WEtIZU1POXNiMzF2bUZJSmVVamN3NXAzUjV6VVE5bi1YTkZMR2lINXhfX1psNE40NjhfNUhBbzhxYVpuQjRnRVFGZS1RQ3RxNUg5MUFVVV81bWZ4d0g?oc=5) · Kerrville Funeral Home
- 2023-11-01 [Earl Knopp Obituary (1937 - 2023) - Fredericksburg, TX - Fredericksburg Standard Radio-Post - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxNSG0weVdTcFZPaE5Ga0NyOXZzRGR3XzVaWjh3M0ktQV96ZmM0SHh5MHZzYmVtdWY3SXRZenVRUVozRG95cnJJSVVVUmNqUjlJUjJxRW9QTlhKbGRwZHR4RDVQa3pselJ4bGJQZlZSVWxRcE9PT1Bvc0NHZFZaQWRLQ2h6MllvdmRXbWR1djFjbkNkVEgxOW13eFQ0OXA?oc=5) · Legacy obituary
- 2021-03-24 [Jessica Brown Obituary (2016) - Kerrville, TX - Kerrville Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxPQlJXTWtfRjFSeHctbU1SQVVzX3ZzN0lnZ3NmSWx4WU14ZkVaT2RpZFVvajE5RUg5NkxPRUVLVnhjdHdWcVFRbklxaFZ1SUlJNVViT0RtQmE3T0Y0MV9ZeEhIai1yclZ2eFhOc1JkQ2FTMnB0TlJJcjNQUlRaWVhTWTFGNXo?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11576 (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/56.json (key "11576", 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=11576
- 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