# TEXOMA EDUCATORS
SHERMAN, TX · NCUA charter 11670 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/texoma-educators-11670

Who the members are: federal charter, community charter, organized 1957. 8,418 members of 200,000 potential (4.2% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $131.9M |
| Members | 8,418 (-2.2% YoY) |
| Full-time staff | 12 |
| Net worth | $18.5M |
| Net worth ratio | 14.0% (p77 of band) |
| ROA (annualized) | 1.52% (p88 of band) |
| Total delinquency | 0.73% (p58 of band) |
| Net charge-offs (annualized) | 0.10% (p22 of band) |
| Loans / shares | 49% (p16 of band) |
| Cash / assets | 48.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.28% (p29 of band) |
| Operating expense / assets | 2.27% (p8 of band) |
| Vehicles % of loans | 76% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.46% (p43 of band) |
| Vehicle NCO | 0.03% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 18% |
| Average share balance | $8,935 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $14,946 |
| Loans granted, annualized | $25.7M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **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 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | net worth falling |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | net worth falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 | assets shrinking | delinquency rising |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 2 |  | assets shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2017-12-19 [Surveillance video released of Denison credit union robbery - KXII](https://news.google.com/rss/articles/CBMiggFBVV95cUxPRmRma2FWQXFSMXIybkMyR0dKODV2RkJIQnR3dGNUaFNuUVlTUjVuOVlzbWlmWGdUV25JNHNLMG0zQzdrU3U5RmlBVlN5aWJRcDdjaWpNZmVIR2U4am9uV25GV2REX1FGU1hfMVRFV1FtRlBFVkhnd01zemoyTzh3MnhB?oc=5) · KXII
- 2015-12-10 [Waymon Chilcutt Obituary (1930 - 2015) - Whitesboro, TX - The Herald Democrat - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOT1JIUlpEY2RKeDBublQzQU9OTXR1RmtLaFplZk03X05kb0ZBMzBzcnhkUW0xTEZaMU0wWjVBQVBjcUphVFlORUZxVC1MUmtGdk1sSS1UNVVHdE14cmROWmVhc0FCcURpYW5qaWtjMUtlN1pEdUVTbHlSdmpINUtwaUY3djFvWjRqYTE1SEU0RDhMMEdyY0lTVw?oc=5) · legacy.com
- 2006-05-12 [Reynaldo Ruiz Obituary (2006) - Ann Arbor, MI - Ann Arbor News - MLive.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPUHk0RWdJOWNKN09oT1pjYUdTQ0VpSlo5ZGhYWFlYTzFIOUZDYWlhSnliUlhDMzV3MVBvaUZhbVVDY3FXMEpOdk9aQktQUlUtcHFlZElsWDdLT3BPVS1vOFBXZVU5dFpPSjRvbkFYc1lrM052b1F6UEJLN1FKZGhrVVpJMEVvaHNXTmlVRTR3bw?oc=5) · MLive.com
- 2018-09-13 [Ft. Worth man guilty of Denison, Gainesville credit union robberies - KXII](https://news.google.com/rss/articles/CBMitAFBVV95cUxNQ0NsZ09RcTUyTE9heWJ4UnJaVXgwQU11QS10bVF6dl9BZVFQNWw1MW5pVjJUWUZkSDhMQXpWckhMV2IxUUJYWWtfNGhzVlpYalpoMG1KWmNybTJKRjVKZUtCd2xIa2FOdjdfTFhpQU5wR0hMOGsxTmlmV2lENHYtUmFGQ2FzV1VGd1F0enFMbmxwal8td2NmYXJiQUxGWVRYek1kSzBlMlE0SDh2VkcyQnJPRGHSAcgBQVVfeXFMTlZRcExkc2xJNXBwMFFYaXVlcHI2aXFmYVRLbWtoNXNFZ3JYX08xbEozbERjNHRIMzF3eVdaVm0yWDBwM0E0VnZHaWduSnVJTlUwRDhwU1Rsd2R3NnA5ck5LcmpEYXBONGphWmdLQUJxOGtPZFhzS3VpVVY4U3VLV1Y5Qm5ZbjYzeTJLekczZVRMS3U2Q1BENExrdi0zblZscGQ2bUNiM1FQdmpRRnIzX2NvcEtDTzFJUjgyZE0zb21kTFhDT2VrT20?oc=5) · KXII

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11670 (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/22.json (key "11670", 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=11670
- 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