# LAREDO FIRE DEPARTMENT Laredo, TX · NCUA charter 12472 · asset band <$50M · latest filing 2026-03 · live Share link (named URL with a preview card): https://getbookiq.com/cu/laredo-fire-department-12472 Who the members are: federal charter, multiple common bond, organized 1958, low-income designated, minority depository institution. 1,986 members of 2,076 potential (95.7% of the field); checking penetration 24% (share draft accounts per 100 members); loans per 100 members 65. **Verdict on the desk:** this could be *ordinary*. 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 | $14.6M | | Members | 1,986 (3.6% YoY) | | Full-time staff | 5 | | Net worth | $1.8M | | Net worth ratio | 12.6% (p35 of band) | | ROA (annualized) | -0.41% (p16 of band) | | Total delinquency | 0.96% (p61 of band) | | Net charge-offs (annualized) | -0.01% (p21 of band) | | Loans / shares | 94% (p94 of band) | | Cash / assets | 14.4% | | Borrowings / assets | 0.00% | | Net interest margin | 6.05% (p95 of band) | | Operating expense / assets | 5.95% (p89 of band) | | Vehicles % of loans | 41% (p26 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 0% (p43 of band) | | Vehicle delinquency | 1.12% (p67 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 | 3% | | Unsecured % of loans | 51% | | Commercial % of net worth | 0% | | Core shares % of member funds | 52% | | Certificates % of member funds | 44% | | Average share balance | $4,768 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 65% | | Loans granted per 100 members, annualized | 22% | | Average loan balance | $9,247 | | Loans granted, annualized | $7.3M | ## Flags firing in the latest filing - **net worth falling** (`cap_falling`) - **losing money** (`earn_negative`) - **delinquency rising** (`aq_dq_rising`) - **assets shrinking** (`shrink_assets`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 0 | | | | 2016-06 | 0 | | | | 2016-09 | 1 | net worth falling | | | 2016-12 | 1 | loans>95% of shares | net worth falling | | 2017-03 | 0 | | loans>95% of shares | | 2017-06 | 2 | net worth falling, loans>95% of shares | | | 2017-09 | 3 | delinquency rising | | | 2017-12 | 2 | losing money | loans>95% of shares, delinquency rising | | 2018-03 | 1 | loans>95% of shares | net worth falling, losing money | | 2018-06 | 1 | | | | 2018-09 | 2 | net worth falling | | | 2018-12 | 3 | losing money | | | 2019-03 | 0 | | loans>95% of shares, net worth falling, losing money | | 2019-06 | 2 | losing money, delinquency rising | | | 2019-09 | 1 | loans>95% of shares | losing money, delinquency rising | | 2019-12 | 1 | | | | 2020-03 | 3 | net worth falling, delinquency rising | | | 2020-06 | 1 | | loans>95% of shares, delinquency rising | | 2020-09 | 1 | | | | 2020-12 | 2 | margin squeeze | | | 2021-03 | 2 | | | | 2021-06 | 2 | | | | 2021-09 | 2 | | | | 2021-12 | 1 | delinquency rising | net worth falling, margin squeeze | | 2022-03 | 0 | | delinquency rising | | 2022-06 | 0 | | | | 2022-09 | 1 | delinquency rising | | | 2022-12 | 0 | | delinquency rising | | 2023-03 | 2 | expense trap, delinquency rising | | | 2023-06 | 2 | assets shrinking | expense trap | | 2023-09 | 2 | loans>95% of shares | delinquency rising | | 2023-12 | 2 | | | | 2024-03 | 3 | delinquency rising | | | 2024-06 | 1 | | assets shrinking, delinquency rising | | 2024-09 | 1 | delinquency rising | loans>95% of shares | | 2024-12 | 3 | net worth falling, expense trap | | | 2025-03 | 1 | assets shrinking | delinquency rising, net worth falling, expense trap | | 2025-06 | 3 | expense trap, delinquency rising, loans>95% of shares | assets shrinking | | 2025-09 | 4 | assets shrinking | | | 2025-12 | 4 | | | | 2026-03 | 4 | net worth falling, losing money | expense trap, loans>95% of shares | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-04-17 [Gilberto Ramos Obituary Apr 17, 2026 - Joe Jackson Funeral Chapels & Cremation Services](https://news.google.com/rss/articles/CBMidEFVX3lxTFA4OHFvdVp0bzhjdy01X2NXNmdud3dSeVdydGFld3JFYXNtb1lmSndrWkZrSkFtRjhMbU5Ta3pyaWcyRTJfZDVWYzhBX3NyNENIcXJKc3FXcEJRcG9CZ29Jc2dEU1lhdzdnSUlkT2xQNGdGNzcz?oc=5) · Joe Jackson Funeral Chapels & Cremation Services - 2026-05-01 [Hiker killed in fall at Zion National Park identified as former Texas firefighter - dailydispatch.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOalJJVGpoZ1lfQWphcTJYbkVFSWFxeWJRVWRvY2UwVnlod29lRUNXdnhmUFEtbzdDNE0tcFZqZUNUcFV2NW5hNlNyeW55VERXZS1zNHl0eE9WU1hPRWVuakJaVi1Wa3AyOW5aNkNQel8yd3U5RDBhSUZMeFlzYlBhXzF5X1I1ZXhXUG5PbTcyTkE5UlBUd0g4eXdMdEVLQnYwZU80NlRDbGJaRExNWUhneG9oT2lpUXlMYlRtb3Y2akM?oc=5) · dailydispatch.com - 2019-11-13 [David Joseph Hardin Jr. Obituary Nov 13, 2019 - Hillside Funerals & Cremations](https://news.google.com/rss/articles/CBMiakFVX3lxTFBTTi1KNkVOOGhWRFNDUUoySm5XOFlaSFF2SGxHQ1pCZ1JPMmZ1VVBHRjI2amFvUjJUTG4xZndHQ1VhekpPQlplcHkwbE5mZXRUTGMtMG5jdkJIM25pQ09mSkNCdDQzYnk1RVE?oc=5) · Hillside Funerals & Cremations - 2022-05-22 [Leonel "Leo" Homero Garza, Jr. Obituary May 22, 2022 - Joe Jackson Funeral Chapels & Cremation Services](https://news.google.com/rss/articles/CBMigAFBVV95cUxQX2tkMDd2VFJIOXpSZDY0eFlXMlJnV2VlOWhvSkRqREJfYlQ5WnVBVEVDSXA0TmdOQ2ptMDUtRzJuLWNrNXB3QUJMMXBaemVEaE5xdUNFVmZGZDdpNkJVM2I4QVpJRGNYdWt3MFZCU2dIbW5mN1ViLUFKTW5UWUNsWQ?oc=5) · Joe Jackson Funeral Chapels & Cremation Services - 2022-06-15 [Esteban Medina Obituary (2022) - Laredo, TX - Laredo Morning Times - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxNaVNuYXc4Q2dhSkZ6cDM3dTRzOHZUNFdmMVdKWnJpaXRjNDBqZmhUSE9YOTd1SFB1RXAtbWNnSnJxSFREY3JFUnozWTh0ZUlYeS1ZNmdXOTNqNlN6MDZCWHRtN2xWZWU4a0U2a3diMUlYNXZMVGZNQ2xmT0JISlF1S3FLbllBNHNSMF9ZZUhYaDE?oc=5) · Legacy obituary ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=12472 (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 "12472", 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=12472 - 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