# BROWNFIELD
Brownfield, TX · NCUA charter 13873 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/brownfield-13873

Who the members are: federal charter, multiple common bond, organized 1960. 2,750 members of 9,000 potential (30.6% of the field); checking penetration 1% (share draft accounts per 100 members); loans per 100 members 17.

**Verdict on the desk:** this could be *too clean*. 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 | $11.4M |
| Members | 2,750 (0.0% YoY) |
| Full-time staff | 5 |
| Net worth | $4.0M |
| Net worth ratio | 34.7% (p95 of band) |
| ROA (annualized) | -0.85% (p11 of band) |
| Total delinquency | 0.03% (p19 of band) |
| Net charge-offs (annualized) | 0.67% (p80 of band) |
| Loans / shares | 73% (p71 of band) |
| Cash / assets | 49.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.84% (p83 of band) |
| Operating expense / assets | 5.94% (p89 of band) |
| Vehicles % of loans | 72% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.04% (p33 of band) |
| Vehicle NCO | 0.67% (p83 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 0% |
| Average share balance | $3,587 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 17% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $11,449 |
| Loans granted, annualized | $1.5M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 | delinquency 2x band | losing money |
| 2016-09 | 3 | losing money |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | delinquency rising, assets shrinking |  |
| 2017-06 | 3 |  | delinquency rising, assets shrinking |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | delinquency 2x band |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 1 |  | losing money, net worth falling |
| 2018-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2019-06 | 2 | assets shrinking |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2021-03 | 2 | margin squeeze | delinquency 2x band, delinquency rising |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 2 | delinquency 2x band |  |
| 2022-03 | 4 | losing money, delinquency rising |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | assets shrinking |  |
| 2022-12 | 2 |  | delinquency 2x band, delinquency rising, assets shrinking |
| 2023-03 | 1 |  | losing money |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | loan book shrinking |  |
| 2024-12 | 4 | delinquency rising |  |
| 2025-03 | 6 | losing money, charge-offs p90 |  |
| 2025-06 | 4 | net worth falling | loan book shrinking, delinquency rising, charge-offs p90 |
| 2025-09 | 3 | loan book shrinking | assets shrinking, net worth falling |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | assets shrinking |  |

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

- 2023-09-05 [Lubbock ISD therapy dogs visit Brownfield High School following death of teacher - KCBD](https://news.google.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?oc=5) · KCBD
- 2012-05-14 [Claudia Allison Obituary - Lubbock, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPMy1tYXFRQ0xVUWF3bGxGVzJaTm9UNW1fV2Rfb0JyQkpCWWNnMkx2dzZ5UmJYR3RTOWl2LU52V0xYWUppeFZITWJZeEg5N1lCcFdwNlFxeHpaX2wyeFluM0xDQk1CWE11SVlleU9ZVnRQdGp1Z1RQR2xkWTBSbEYyWlcxdw?oc=5) · Dignity Memorial
- 2021-08-11 [Kayla Marie Dawson Obituary (2021) - Brownfield, TX - Brownfield Funeral Home - Brownfield - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOOU5DdFFDdVljazVKdEV4UUJPMWJvWkNFQnF5b29ueDdqWWhNdEE1U0FaUVlkSTNBV0NPM2xVTzlWc2dIM3JEUlNpZjJoMXBNR3RwMm9yVUhqSXZ1ckZYWV9NU1dWZnhaR1Rqc0dDeEg2NUhid2g2QnN4UFpLN05vMDVwNDRTNFU?oc=5) · legacy.com
- 2011-11-07 [Retiring Renaissance Zones: As certain tax incentives fade, others entice new business to build in Saginaw - MLive.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNelFtNXMyWGhvWE1rc2c0T0NmQjR4ZlExLXBrTW9FTWRRX2NQRUkxVDcwYTBVNzBTS2EtbzZxZnJFcGNzZGVteGo0YlltbWlyeTc2b211NjlwTGVEczNvM1ZZSXVRcUtiVTZWczA4c08tRUJELUl1TTVBendCZmEwTnJicw?oc=5) · MLive.com
- 2016-02-20 [Susan Parrish Obituary - Temple, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5qS2I1eHhJMFlnbHZXdlJLd0g4M0c5T295SllDTEpNWUd3Tk1DU2NlSXE1aDNFSF9naV9pYlBuejNBUFRKU2IwUHoyQ1JGcWVYMkNmSWxocTlSQWE5RTkxay1RZnNfdjdVcDVzU0wyWmtYNFUxTEtxMl9sMHktbE0?oc=5) · Dignity Memorial
- 2011-09-16 [Charles Arnold Obituary (2011) - Lubbock, TX - Lubbock Avalanche-Journal - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNVlI3bHlJUWlZSWV5UDE1NTFBdkl4TGlkLTlWS3BJUUxtNXAtTzFseWQ3R0ZJU085UDFGeU5pR3BmSXZrU3FiLVdENlQyaTRrMDR6QWQxcHY5UlZqLWI3eWJwRm4xa1MxS0JRa09RS0tieGNtcC1xNGpZMXZ3VTlJak84WGI4LVV6aGdRR3JYSW1PUVNUNnc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13873 (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/49.json (key "13873", 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=13873
- 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