# LIBERTY COUNTY TEACHERS
Liberty, TX · NCUA charter 14052 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/liberty-county-teachers-14052

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 2,602 members of 7,500 potential (34.7% of the field); checking penetration 26% (share draft accounts per 100 members); loans per 100 members 40.

**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 | $23.6M |
| Members | 2,602 (-2.3% YoY) |
| Full-time staff | 7 |
| Net worth | $4.0M |
| Net worth ratio | 16.9% (p61 of band) |
| ROA (annualized) | 2.69% (p97 of band) |
| Total delinquency | 0.54% (p46 of band) |
| Net charge-offs (annualized) | -0.59% (p3 of band) |
| Loans / shares | 86% (p88 of band) |
| Cash / assets | 26.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.42% (p92 of band) |
| Operating expense / assets | 4.48% (p69 of band) |
| Vehicles % of loans | 70% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.05% (p34 of band) |
| Vehicle NCO | 0.04% (p70 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 0% |
| Average share balance | $5,835 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $16,008 |
| Loans granted, annualized | $10.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 2 | repo signal | delinquency rising |
| 2017-12 | 2 | net worth falling | repo signal |
| 2018-03 | 2 | delinquency rising | net worth falling |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 | members leaving | thin capital |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 3 | delinquency rising, auto monoline |  |
| 2020-06 | 2 |  | delinquency rising |
| 2020-09 | 2 | margin squeeze | members leaving |
| 2020-12 | 2 | delinquency rising, members leaving | auto monoline, margin squeeze |
| 2021-03 | 2 | margin squeeze | delinquency rising |
| 2021-06 | 1 |  | members leaving |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising, auto monoline | margin squeeze |
| 2022-06 | 0 |  | delinquency rising, auto monoline |
| 2022-09 | 2 | net worth falling, auto monoline |  |
| 2022-12 | 0 |  | net worth falling, auto monoline |
| 2023-03 | 1 | auto monoline |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 2 | delinquency rising | assets shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | auto monoline |
| 2024-09 | 3 | members leaving, auto monoline |  |
| 2024-12 | 1 |  | delinquency rising, auto monoline |
| 2025-03 | 1 | auto monoline | members leaving |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 3 | assets shrinking |  |

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

- 2026-01-30 [Take a closer look at Houston's fast-growing real estate lenders - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPeEF1QlJxTmdJcDljMXZyUmc0aWtHYl9DUmUzc0F3WkoxZXBGRTVZQ19FM0Qwd0NRQi01S0ZpYkRoZ2Y5MFlleEV4d2tDLVQyUFh3ZjZndUhvME5GU3dMT2NvbHFqYlAxLTZxRVJWdkRWY1pqREswOHpxWXVQTWhPMVJxT2pqZnBnR3RmOXFNNGtPODR6V21LOU54RGYyRkhnOUE?oc=5) · The Business Journals
- 2023-03-07 [Mary Anne Campbell - bluebonnetnews.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9oZmNMNC1HWFVEX0xRQnhrcWJXbjlGMDA4eDlmbUV2VGctdDY3Slo1SWpYNGREQks4M0NTM0JLeTRTbFNqcjhOWW9CdHBPMmQzZ01udU41dkVGYUFaSE4wR01CX3pkSk5W?oc=5) · bluebonnetnews.com
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2025-04-23 [Young named lone finalist for Dayton ISD superintendent - bluebonnetnews.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNU056dmhIQ0tnSUp5QTU4RHpRaXc5LUJ6WkdjNzhNNnR1WHVicE9ZdWlmbXItYlRycjlzWDExMWUzc1BBT1JhdzVhNFQ1RU1IeTA2NU51SmczeEg1aGlKTVdXMkdRamVnR1pZSkdXVFdlWlh3aU1HMTY1aXFxbFhkNU4zQnpmdVRzOHlFUWVKOVNUaTA5N3daTjFn?oc=5) · bluebonnetnews.com
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14052 (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/36.json (key "14052", 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=14052
- 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