# ALBA-GOLDEN
Alba, TX · NCUA charter 13655 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alba-golden-13655

Who the members are: federal charter, community charter, organized 1960. 1,562 members of 1,700 potential (91.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $21.9M |
| Members | 1,562 (2.0% YoY) |
| Full-time staff | 5 |
| Net worth | $3.6M |
| Net worth ratio | 16.6% (p60 of band) |
| ROA (annualized) | 0.83% (p62 of band) |
| Total delinquency | 0.46% (p43 of band) |
| Net charge-offs (annualized) | 1.25% (p88 of band) |
| Loans / shares | 87% (p89 of band) |
| Cash / assets | 28.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.90% (p84 of band) |
| Operating expense / assets | 2.41% (p18 of band) |
| Vehicles % of loans | 72% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.46% (p50 of band) |
| Vehicle NCO | 1.39% (p90 of band) |
| Repossessed % of vehicle book | 0.04% (p92 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 53% |
| Average share balance | $10,127 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 43% |
| Average loan balance | $17,741 |
| Loans granted, annualized | $13.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **auto monoline** (`str_vehicle`)

## 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 | auto monoline | net worth falling |
| 2017-03 | 4 | margin squeeze, delinquency 2x band, delinquency rising |  |
| 2017-06 | 3 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2017-09 | 2 |  | margin squeeze |
| 2017-12 | 2 | margin squeeze | charge-offs p90 |
| 2018-03 | 0 |  | auto monoline, margin squeeze |
| 2018-06 | 1 | auto monoline |  |
| 2018-09 | 3 | delinquency rising, assets shrinking |  |
| 2018-12 | 2 |  | auto monoline |
| 2019-03 | 1 |  | assets shrinking |
| 2019-06 | 1 | assets shrinking | delinquency rising |
| 2019-09 | 3 | delinquency 2x band, delinquency rising, auto monoline | assets shrinking |
| 2019-12 | 1 |  | delinquency 2x band, auto monoline |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 2 |  | delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | delinquency rising, assets shrinking |  |
| 2023-06 | 3 | delinquency 2x band |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency 2x band |
| 2024-03 | 0 |  | delinquency rising, assets shrinking |
| 2024-06 | 3 | delinquency 2x band, charge-offs p90, assets shrinking |  |
| 2024-09 | 2 | auto monoline | delinquency 2x band, assets shrinking |
| 2024-12 | 4 | margin squeeze, delinquency 2x band, delinquency rising | charge-offs p90 |
| 2025-03 | 2 |  | margin squeeze, delinquency 2x band |
| 2025-06 | 2 | charge-offs p90 | delinquency rising |
| 2025-09 | 3 | delinquency rising |  |
| 2025-12 | 2 | net worth falling | charge-offs p90, delinquency rising |
| 2026-03 | 3 | margin squeeze |  |

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

- 2024-07-23 [Alba-Golden coach is ‘eager to take next step’ this upcoming season - KLTV.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPVEF0WW5GbVl1Rzh1djZ1QjhUQW44ejAwQmJGZ3d4dzhMS0JtZW41OWhuamI1NnJVcmphRkMyMDFRUWRaakJVSnhBWmNHVk1IbDZxbmJTQ25UWnFVSWc1QWhreEtFc2lTY1J4Q25xeEZEa3NaSHNaRXNSek55SUltX0doTTY0cW56cDI1YzlUTGpUM1p3eFlwS281NNIBrwFBVV95cUxPVUdRUE1IQUtXM09LTWJDeHJCdUlpbUVERXZnT19oVU9aMlNoUGNiV3VKdi1XelptWkR3RGVIUWlKZDdUWFpaRzFNT1J3OEdsLTdpZXlsTUI1OGdkb1g1T0s2NjVJdWNqTWRIU0lINklWMlFHcDJhOGs0STlpUUhhM3lQSVNZemtmblRsSzRsQkxGV25BaDNTSzREVERVbzJrYkpQNzRhc2dyWDN0anE4?oc=5) · KLTV.com
- 2015-09-09 [Grace head coach Mike Maddox picks up 100th win of his career - KLTV.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQOGlnWHhCbGVMT2JjaU15RmdYYnJnQzJ6ZHpMWXZ5V2FFYkFmbGRDUDdxOXVhbndwUGR3N1NoS2ZjZG9aeU5EcHBhMTZDQU16aUFaMk0tZHVJVzE1aktRTlhNVDU3T3hUWFFJOTVhbVdtSkdQSjFnMEJCZlhTRnJJWS1lQ0EtandqMzEw0gGeAUFVX3lxTE9Ca0tWR2JXOEZoWTA4RlE5YTNaNERjOEFUeFBOenBLeTd3a1o2Z2N2UTFHUVpocnFhU01ZRUJReWZCaWhjbFFPNmJYZnhTVG11NU5LMHNQZzBkTTZOeTRIejAwMkR0dXVLc2RULXgzN1lwdG52UHFaV1YtWUp1ZEZNeVpMUlVzWU9XSlpvamtVejZLSFltZGdsNXd6LXRn?oc=5) · KLTV.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13655 (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/23.json (key "13655", 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=13655
- 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