# UNIVERSITY
AUSTIN, TX · NCUA charter 1367 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/university-1367

Who the members are: federal charter, multiple common bond, organized 1936, low-income designated. 422,795 members of 3,162,332 potential (13.4% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *ordinary*. 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 | $4.27B |
| Members | 422,795 (5.1% YoY) |
| Full-time staff | 732 |
| Net worth | $399.0M |
| Net worth ratio | 9.3% (p19 of band) |
| ROA (annualized) | 0.78% (p57 of band) |
| Total delinquency | 1.02% (p80 of band) |
| Net charge-offs (annualized) | 1.12% (p90 of band) |
| Loans / shares | 86% (p47 of band) |
| Cash / assets | 5.6% |
| Borrowings / assets | 7.16% |
| Net interest margin | 4.06% (p92 of band) |
| Operating expense / assets | 4.31% (p91 of band) |
| Vehicles % of loans | 41% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 1.09% (p82 of band) |
| Vehicle NCO | 1.38% (p69 of band) |
| Repossessed % of vehicle book | 0.10% (p60 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 43% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 18% |
| Average share balance | $4,553 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $17,162 |
| Loans granted, annualized | $1.14B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $88.8M sold and retained. Sold in 6 and bought in 0 of the last 8 quarters. Shares 3.2% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, expense trap |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 3 | loans>95% of shares | net worth falling |
| 2017-09 | 2 |  | loans>95% of shares |
| 2017-12 | 3 | loans>95% of shares |  |
| 2018-03 | 3 | delinquency rising | loans>95% of shares |
| 2018-06 | 3 | loans>95% of shares | delinquency rising |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | loans>95% of shares |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | net worth falling | delinquency rising |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | margin squeeze |
| 2021-12 | 2 |  | net worth falling |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | charge-offs p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | leaning on borrowings |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | thin capital |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | charge-offs p90 |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | charge-offs p90 |

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

- 2026-08-31 [The Best Credit Unions Near Austin, According to Locals - Austin American-Statesman](https://news.google.com/rss/articles/CBMibkFVX3lxTE51UktMa0ZiZGxBR2tRT0VaOUFOeVpoSkZzZWN4NWVmYlBrQldqcWd0U1hHWk1menNpTmpURFlQQXFkN2kta3I4c3FWWVcyYndQYldoTFQ1anBBeFZua3RQX05aNWRrUFFKRk94cjJn?oc=5) · Austin American-Statesman
- 2026-01-13 [Man accused of robbing UH campus bank faces additional criminal charges, bonds totaling $6 million - Houston Public Media](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPMTdEMkJNM3dLOEZoamVweTdvOEZfcGI5MlB6QUotOHMtemdVM1hEVHJ1dWQtN2hFZUM0dXRfdms4MGlBZVM3ZzdIa0VJYktZWWp4REQzc096dUQtbG85Z001X3otVzBRUGtFZmt1OWluTG11YXRtR1F4bzJHaFE3UHVlUk9STlZ4UWF2eWJudXZwbjZSLXNxOGRhWGFpZHk0YWZWeUVLaVpIOEhyWGE0THVPNTQ3UEZoR0xmRjZrT05fTUoySFBNetIB0AFBVV95cUxPQ01iaGpvTzN5N2JWb2pWREFBNHpBd3E2WlhBZEhoMUtCZE1kQTY3anFyalZJdzBQdFB0dXBHMUhGNzZ0Nlo2cFZyTVZCNGFrY214RFBYMFJfSlR0TTYxM1ZGOVFOQlVXWXJtZDR3TkFST3dxRHpyWWpPZXdfS3JJVjBxOGo2RHVXMk5Da2ZCSldubGlKWEIyUDE2V2VncWthY2UyLUNaYjV3QkF6MTZyWE91ZDlIZkhqT2NaRkVoT0pJazRpdWJmSlV4cS0zYmVE?oc=5) · Houston Public Media
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2026-02-23 [Texans Credit Union to build $3M freestanding financial center in McKinney - Community Impact](https://news.google.com/rss/articles/CBMitgFBVV95cUxPaVN6bDB0MnNWbXpTUm5jVlQyc1pReVJSRURnazFyYUpDbFRvS2NxU3RraXY4X2VQSFpDQmtkUy03TnQ0dE8tUDRvekQ0S3VYRTNDS2Z6QXdjb09rSE1mU0pmdjIzeHdiZTI0dzNZV0dUeWZxV1FhOEFVenZOb0ZhUnJidjRRbm5vbmFnUVJNaEl3M3h6Um44UkZHcXBSeFdMYWdYOUtMSEhGaldNakZMdUgtOFNhUQ?oc=5) · Community Impact
- 2026-01-07 [Man robs TDECU bank inside UH Student Center, university officials say - KHOU](https://news.google.com/rss/articles/CBMitwFBVV95cUxOMmdFbnF5TVNaSWdNV09CQlFyNkhZOGJrcWxpd09xNnlUSU1KZTAzX2VSNTRkNlVTMW5hNkdXSmdLRXZQT2U1RUJRQW1taGxxMXBIbUlwdWd3bmNsTER6RlgtQVFlSV9yTS02Z19ORHQ3MTlrdldnSm80V2J0TnA0VEhNek9xZTNQVjdHRVA0SEsyUjR4ZFFIMUFtd1VBbXJIR3AtUHNjdGZndV9fMVh1eEdTYVpLMlE?oc=5) · KHOU
- 2024-10-29 [UCU Launches UTA-Branded Credit and Debit Cards - University of Texas Arlington Athletics](https://news.google.com/rss/articles/CBMilgFBVV95cUxPWlhCTFR0bWRXdE5vN0Z0SzFyZjlBdkplYXpvbEY4alpXMzNOQ1B4ZkdyN0FRcE9aUGhRd3pCNUZ0NFFVeFQzR0J6S1h4dzRjNGVERzIzM0ZCUnlPZEppb3FIZms3VVRfZ2RUNWczc0FEQzRLbHpQWTBqMDFCelV3dmxNZXU2aXJqZEhBRFRMWDFUTm5uMnc?oc=5) · University of Texas Arlington Athletics
- 2025-10-29 [Armed suspect wanted for robbing University of Houston's TDECU credit union office inside Student Center South, police say - ABC13 Houston](https://news.google.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?oc=5) · ABC13 Houston
- 2026-01-22 [After homelessness, Austin mom gets help rebuilding financial future - Austin American-Statesman](https://news.google.com/rss/articles/CBMirwFBVV95cUxQdUl5YjlyWm16djJrbGpFUTlWdG1DZm5ndGNBdkVmV0s0a3lDS3ZmWXVVdktfYldNdFk4M1k5TFlSbkJnalF4anczcV9RNzU4d3dONmJtYWNsX3JfUzZILUF0RlZibVk1MENYN1laUldzT3hPMHcyOGxCaDFWdlhMT0tuMjBDZUUtbVpXWGdONlBxbFV1dTBPYmFfdTlnWlZ3X0hFSlVOVmdEd09URklN?oc=5) · Austin American-Statesman

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1367 (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 "1367", 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=1367
- 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