# TEXAS TECH
Lubbock, TX · NCUA charter 12858 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/texas-tech-12858

Who the members are: federal charter, multiple common bond, organized 1959, low-income designated. 36,472 members of 210,000 potential (17.4% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *ordinary*. 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 | $447.0M |
| Members | 36,472 (5.6% YoY) |
| Full-time staff | 131 |
| Net worth | $47.2M |
| Net worth ratio | 10.6% (p39 of band) |
| ROA (annualized) | 0.52% (p37 of band) |
| Total delinquency | 0.28% (p20 of band) |
| Net charge-offs (annualized) | 0.45% (p56 of band) |
| Loans / shares | 81% (p67 of band) |
| Cash / assets | 12.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.29% (p32 of band) |
| Operating expense / assets | 6.73% (p100 of band) |
| Vehicles % of loans | 59% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.39% (p35 of band) |
| Vehicle NCO | 0.77% (p58 of band) |
| Repossessed % of vehicle book | 0.17% (p83 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 37% |
| Average share balance | $7,165 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $24,052 |
| Loans granted, annualized | $473.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $2.5M sold and retained. Sold in 3 and bought in 0 of the last 8 quarters. Shares 6.4% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 2 | loans>95% of shares | delinquency rising, net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | net worth falling | loans>95% of shares |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 1 |  | net worth falling, margin squeeze |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | auto monoline |  |
| 2022-12 | 4 | delinquency rising, loans>95% of shares |  |
| 2023-03 | 4 | net worth falling | loans>95% of shares |
| 2023-06 | 1 |  | auto monoline, delinquency rising, net worth falling |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 3 | net worth falling |  |
| 2024-09 | 2 |  | net worth falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2025-11-21 [Lubbock ISD teacher wins $2,500 in Classroom Cash from Texas Tech Credit Union - KCBD](https://news.google.com/rss/articles/CBMiowFBVV95cUxPeFo2VzMtdG9BeGhxampFVkhoX3RBOVFNbmtMUFdOSlhOR2ZJRzR4azFfUzdCN05RaVFFc09nWFFfcDV2Y3k4Ty1MYm1qbVk1S3RTWENCN2Q5OVhTZGhyaVNxZ1lCMG54SzlERkF6NnJTQ0R5TWlaZnZXU1hoRVVXLWJaMFgwcWo5dUZrNnJfNXliVnJmVld3T1BXZTYzYWcxZEQ40gG3AUFVX3lxTE1meDBTdmtaMUpEdHlCeHpwVzlSeDBDLUJSTE82RUEtOVBnSzBzZzhtRW5lUE1XRklyaUhERTNuUERmSzhINmVCaldpQXJVM05uMUdZaHY4b1BLWXdIOXZ5eGx3TDJ1NUdmZzQ1Q2c0M0ZvbjE3SjJqS2xYZXo2d0hFLVUwOTNiSVlVU0JDQVI3MlU0M29DQl9LdjJMaFNwb2FTd0Z1X2p6SHhJamxBZVE2OE54RVh1dw?oc=5) · KCBD
- 2026-08-28 [Police Blotter: Theft, drug possession and two reported Title IX incidents - The Daily Toreador](https://news.google.com/rss/articles/CBMitgFBVV95cUxOMXVQRzIwRzYwM0c0alJWWVRpekNRZmJaWmNuSndhcEIxVzZPa05obXBDYmx3bjM4TmpMaEtJcmpCdFNEWWl4c1ltR0kwdFhjM1R2cFRPT3BrdlVLZ0djalh3U0FMdWw5S3g0RE82OE1pSjdZY2thR2w2MW9Md25SNTRPclZaWW9tSmVLMmFnYkxHYnczc2hsWk9wN1pNY2NxOGVpY0hDS20tYVd3QW4ya19mOTZZUQ?oc=5) · The Daily Toreador
- 2026-03-30 [Maupin to compete in Women’s College All-Star Game - Texas Tech Red Raiders](https://news.google.com/rss/articles/CBMipwFBVV95cUxQWVdmQ3c2aEdNUEZFSldsTzM0QWE4MWc0R0xzWDlZa1hGTlhpUTJZenlaN0ZWXzJfVGxzR3JHYnlCZWU5cUNuQkFodGFDTWllMlhNbjBpNVo3dmphdjVFX1lSbUt3M21Xbkp1N0ZGam11MlVacTMzVzFFcm9sd0ttNENCX3lCejRkMFU1dmdIU3JSeVdGNkJrVV85YVFWcWN5SkFsRUdxbw?oc=5) · Texas Tech Red Raiders
- 2025-12-12 [UTEP, EPCC, Texas Tech grads to celebrate winter commencements; former city representative joins YISD board - El Paso Matters](https://news.google.com/rss/articles/CBMirAFBVV95cUxPd3UzMzFhWU5YN1dpOVQ1RWZPS3VFNFBQN04yM25vNTUwX0dtcnA3ZlV4RWlxYk9VRWpnTlRjZWoxZ1RPVEViYWYwRVREbTlZTlVkT2FfaGp1Z1BpdHdkNUtfSTh6RUFLcGZqZU5hY3JuVXNhc1gzTkY0Tm9IVlRRLXlGRnpnZmlNQkp0MlAxdGxIUGNHai1ZWjBhaldGeEtRUFJLZWRMa2JtQnJr?oc=5) · El Paso Matters
- 2026-01-29 [Riders to host Oklahoma vs. Texas Tech at Riders Field | RoughRiders - MLB.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPd1lvYVZCb0Izbld4cWY3NTZoLWFOQ2xDSnpDSDZ4aDlYT01qeC1CMXZjMnloTlpQZHJ1WjE5cmpNTUU1bGhpNmp1RlZTWGxNUmNOWEU4Q0MwcXhlcldrSnZZLWxnTGd2T05wUVM2ZVpRU0ZXclYxeERoZUZ5UkpqaXBHRUt3QzFnSWg3N0wzOA?oc=5) · MLB.com
- 2026-07-26 [City of Lubbock, Texas Tech hosting Back-2-School Bash - KCBD](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQY3g2TWFfS3AzbGEySk9Tb2NzblZlWTNFemlwVkl6dE5Bay1PZ1doZlZUb1VXeExyS0d4R25uaG9sSGtSZU5Xa3JpcUt5TDF2cUlfV3k0QlFFTVdsbnFwaHN0UnlEVlhoVVYyZ1pyX0ZSSnl4R0o5Q0NzVUJaV19rVnpubGhybExKRUU00gGfAUFVX3lxTE9DTEw1clRhVmRnWUExYUtOei14SHNKWlZwQTllMkxMejJ1dk9BUmpFOVdUYUFlakhHX0FCanp2YXFHcmVhdzdMV051Y2lrTldHOTV3OGttNjFESEswYlFBUlJQVGVUTmpNR0x3OHNiNFY4U3dDTkdobU5GT2FzY2FwT3AzcmR2ZFpOdlo1d090QkVDTWxHV1o1bXR6MHBIZw?oc=5) · KCBD
- 2026-07-28 [City of Lubbock, Texas Tech hosting Back 2 School Bash - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOWWI1ZjhSZHVEbXhib0hRNGp5ZlVfeFpTSDV2eEZOd2RnS0FLNVNVaFg0MW1xdUZuc1ZsRDRQWHVEX0tPT0J4S0FLRG9yaHZYR25ub1R0NVg5Zm1GcHFvTlBueVFwZXRSRlQ4OHU4d3hfRDk5MXJ4ZjNLT3kxemJSRjlQMTRmV25uMEtjaDIzVlBWeHN0SEVqQ2RJdjlGYTZ1QzVmd3NNT2M3Y3dtQXB6dkRqNGVkdzlMbDBaTUU2MHRRRTQ5eG1sdWJuUXRTNi0wTlhXSTVRMnhfNU9laWc?oc=5) · Lubbock Avalanche-Journal
- 2026-02-15 [GECU expands into Texas and New Mexico with new growth plan - elpasoinc.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxQTm9FcjlnbU1NNmN0dW9hUjhVUjIzZHNyYUtHQlNadGRLakpGTzdJWnBxbG9hMEVQeVJsR0tjU3NPenlfZ2NFa1B4ZWVPbWxvNVdWZzcwODk1WXlxVUNMY0w5SUZBdm1kczZhYS1NZjM4dHVQNFNuNlF1OWtDQ1dXT3BtREZXbXZuUWstMUZSZ3VfRlpibm5UZk56a3dOOTZpbVh5ZzN4VjdVcDhIQzlnTGlaaw?oc=5) · elpasoinc.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12858 (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/58.json (key "12858", 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=12858
- 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