# HILCO
KERRVILLE, TX · NCUA charter 14001 · asset band <$50M · latest filing 2020-09 · stopped filing after 2020-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/hilco-14001

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 956 members of 2,826 potential (33.8% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.6M |
| Members | 956 (-1.4% YoY) |
| Full-time staff | 4 |
| Net worth | $338,470 |
| Net worth ratio | 5.1% (p1 of band) |
| ROA (annualized) | -0.25% (p16 of band) |
| Total delinquency | 0.33% (p38 of band) |
| Net charge-offs (annualized) | 0.84% (p84 of band) |
| Loans / shares | 68% (p73 of band) |
| Cash / assets | 15.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.32% (p90 of band) |
| Operating expense / assets | 5.79% (p94 of band) |
| Vehicles % of loans | 60% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.29% (p47 of band) |
| Vehicle NCO | 0.23% (p65 of band) |
| Repossessed % of vehicle book | 0.78% (p98 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 29% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 33% |
| Average share balance | $3,917 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 33% |
| Average loan balance | $7,915 |
| Loans granted, annualized | $1.8M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, delinquency 2x band |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | net worth falling, losing money, expense trap | delinquency 2x band |
| 2017-03 | 7 | capital below 7%, assets shrinking |  |
| 2017-06 | 7 |  |  |
| 2017-09 | 7 |  |  |
| 2017-12 | 9 | delinquency 2x band, delinquency rising |  |
| 2018-03 | 5 | members leaving | net worth falling, losing money, expense trap, delinquency 2x band, delinquency rising |
| 2018-06 | 7 | losing money, expense trap |  |
| 2018-09 | 8 | delinquency rising |  |
| 2018-12 | 7 |  | delinquency rising |
| 2019-03 | 9 | net worth falling, charge-offs p90 |  |
| 2019-06 | 7 |  | members leaving, charge-offs p90 |
| 2019-09 | 6 |  | assets shrinking |
| 2019-12 | 7 | delinquency 2x band, delinquency rising | net worth falling |
| 2020-03 | 7 | charge-offs p90 | delinquency 2x band |
| 2020-06 | 8 | net worth falling, margin squeeze, repo signal | delinquency rising, charge-offs p90 |
| 2020-09 | 9 | delinquency rising, auto monoline | net worth falling |

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

- 2026-08-18 [Suburban Chicago Office Complex On Sale - Bisnow](https://news.google.com/rss/articles/CBMinwFBVV95cUxOMHNUZDI2eS1xa3VpcldzejhJMGVuVTJMMmFvdWxoeVd3c2RKVW1ua2x2X1EzQVpLSmUzd1B0QnVVY1pyMWVDQS1DczREMlpabHIxbVpiNWl2Q3NRNUNQT3M5by1DSkk0cnZjSTlhTTN5cGY5TFllT3puWEdadXZYS2RDZnZ6OG1sZnNvODBhN1NMTzNNa0gtSDF2N2Z5bUU?oc=5) · Bisnow
- 2019-01-08 [Charles Baker Obituary Jan 8, 2019 - Bandera Funeral Chapel](https://news.google.com/rss/articles/CBMiZEFVX3lxTE01b3dyTWhGbnljTUE3RlUzQTBXcVU2bERpWEFkNGhfdHFiQS1NcHhBWHc1bzB6b0VPT0Jtd2NrWkczVlRVNG5WQll2VUhVSFNDUDJzcVRabkhoVnY4cndXQlh5WUQ?oc=5) · Bandera Funeral Chapel
- 2024-03-28 [Hilco Redevelopment Crawford Coal Plant demo damages $12.25M class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOM282N2loX1BmeHhpNjlGTXJDcktsOFdkWFljTHN3ZENtN0txZmpLU1lhOW1RU2VRYVpXdmhVOEtSVVVvbkpYVXFLRHd0M0VmeHVqMy1iYzZnUTFuMkIzWE5MaDRRaTQ2d1JXNFdQRUlic0RkSjVwSW80MDl1aDlzOFhnR2RpekpHcGFvczBYcTBzMkJhUEo0VjYtcm9xeTNtRkVsWjlfUC1aa1NKay13VEpVLVVDSnNxSlZPYTJVV0UxZGhMNkJPZFBmWTNUaS0yc3ZERjhPNFAyZHJpd1Y3U3dEbmU3Zw?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14001 (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 "14001", 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=14001
- 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