# HOUSTON
Sugar Land, TX · NCUA charter 14091 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/houston-14091

Who the members are: federal charter, multiple common bond, organized 1960. 60,128 members of 2,340,320 potential (2.6% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $961.8M |
| Members | 60,128 (-2.5% YoY) |
| Full-time staff | 175 |
| Net worth | $93.0M |
| Net worth ratio | 9.7% (p37 of band) |
| ROA (annualized) | 0.43% (p31 of band) |
| Total delinquency | 0.35% (p26 of band) |
| Net charge-offs (annualized) | 0.70% (p75 of band) |
| Loans / shares | 61% (p12 of band) |
| Cash / assets | 16.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.18% (p30 of band) |
| Operating expense / assets | 3.45% (p42 of band) |
| Vehicles % of loans | 38% (p69 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.34% (p26 of band) |
| Vehicle NCO | 0.91% (p54 of band) |
| Repossessed % of vehicle book | 0.35% (p92 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 71% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 30% |
| Average share balance | $7,882 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $26,271 |
| Loans granted, annualized | $179.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $1.5M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -0.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-09-02 [The best credit unions near Houston - Chron](https://news.google.com/rss/articles/CBMiakFVX3lxTFByd3FwR2MyYUVxZW9EdktCYWRyR3lKWjlCRTBzcXlnSUN2NUYxYzNaTmZqMEdPWThnY3dHblpUTUw5STJKU05idWEyREpoOVJrSXg3MmRuay1MeUI2N3lJLVRvT21hbkpFdWc?oc=5) · Chron
- 2026-04-21 [Houston Dynamo FC confirms Texas Bay Credit Union as the Club’s exclusive credit union partner - Houston Dynamo FC](https://news.google.com/rss/articles/CBMiywFBVV95cUxQRVRNWkgxTTlnYXQtekJXOHBGYVVUazBVcjczUXFVdjBLQjl2cktwbjA3TElOaWJyeTJPRTZVNG5GV0xQSEIwSWItM3NTbUhQUVpuVmNwQkxQTER0dERlWm9fQW9lNmNlbVplQk1NU1NtUHp0U0RxNkJFbTVGYTl3LUhrNktPdGtQQnVDY2ExZlRPSzFnYU1wSjJpUG95SG9FN1QtRFQ3R01GMF95UXpuMy1ZMkpyQUtCRk81NTJ0MDdKNmFsZ2lvYnlHVQ?oc=5) · Houston Dynamo FC
- 2025-11-05 [Premier America Credit Union to acquire three Houston-area branches from Resource One Credit Union - CUInsight](https://news.google.com/rss/articles/CBMieEFVX3lxTE52RGMxUXd0NzRFTDVTNDNjZjRadEtnYUpvcGx2RUNvb3owNUpQQm80ay1Lb1lybHFHUkFUQUc5cWZQWm8tM0x0eENSc29rYmxWNmhVVExzVTJUMXhISjVnLVppSGJFTkZHdXlJSDBGcWpOQlRvY2gtYQ?oc=5) · CUInsight
- 2026-03-03 [First Community Credit Union buys former Noble Energy building for new headquarters - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPU3pOSTlLMmp5OVpka0xEX0R1VTBmUG1CejU4M3ZBMVRKZEt4SkUxVzloZTZYdy1NRjdHanA5YUFSOWdkZFlZQktoc3VIZWFkYVhGRHMyUGRUcmJTYjdQY3FXWmxzb3RWQlhIN0NXOVlXMGVHWjNNbjl1ZTR1ZUNPb3dFbk8tOWpSelQxeFc2bE5Pd2d6SlZ2emJId1ZmUEpSOHNwbQ?oc=5) · The Business Journals
- 2026-03-03 [First Community Credit Union buys former energy building for new headquarters - KHOU](https://news.google.com/rss/articles/CBMilgJBVV95cUxOY3k3VE01Z3hyZHNuUU5mdkpScTFKNVo1eGpsUTJDN3Q4NDlkcjl4UWZSVVZRbjRsaGliRUI0WmVQVHZaLWdLR29SazlzdDNFTUdObzdBbF9OTVE5aEdHRDk5RnlrdXVYRkNudktHY2V1RjQ2M2VjT3hrZXlPWUU0ZEZrNUxoMzlWdXhqMUhiTzlBMUxndlNkTWphR2FJLVMwTGRBdVEyX1g4dlh6b1ZUQ1laSnhPQVFQVHlUSllJNGw5MDd6S2R5dFRudHpMQm1SeFZUZ1RvTTB4cEVTdnBZbG5WUDhidE1keng4S2Z2ZVNKVEZ1VkoyM1h3YXhJMGhJNEREQ1lUMzR5UGQ1dVFOeGhtVFZYUQ?oc=5) · KHOU
- 2026-01-08 [Armed robbery at credit union on University of Houston campus, leaves students on edge - ABC13 Houston](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNWUFkc0xZQnYtR2dOVW1HMm9vZUhVSU8wUG5QX1h4MFh3WTNDa0RBSF92UTNpdmdER2RFMlFlaG1BWlVsMkR2QjZRd1hldmJDV1M2MkVDV00zN2laTzJjUzVJNGd2Vnh5NkNmUGM2RnBoZXpaTnR5MTVyVnA1d0RWdXpybktfelNvOHZITUtfYjZ1QkhKYWYwZ0VyQWx2V21RbklzNm1sMmlHQdIBrwFBVV95cUxON0lORC1haVhPUDM3WHBrcFhGcmFPc2h1M0FUNWFpZzhrX3hvcWttUFVKbjhENThxMW9ocGV6bVVDdVo2aURJd1hOU3dHS3llSGZqS2x0OXV5UDl4OE0tU1J1aG9SUkpOOUlkZWxjbmtuSnZvZFhTYk9XX3hSZUg2bWtGdkFCdzhwUFQyZWdEOG1ZZ1VMMFdvbmpWV2VsbTBqR0xOWDRmSWwtVHRwRVpv?oc=5) · ABC13 Houston
- 2025-11-21 [Premier America to Buy Three Credit Union Branches in Houston - CUTimes](https://news.google.com/rss/articles/CBMingFBVV95cUxQYWFBZHp0VldVbjZMelZJcGpvV1hBTkNfSlVEaE1zV2I2cEVDa1E0b1dDOURwdm5ZczZBWXl2M3dGVDc1QlI4cjVOZVBYNk10QlZmZTB6UXdQNkRzdUlJaUxVTVNiU2NGNVdCWDJWVWwtVUNDS1FKelB1Sy01MVA2azV6a1lNVDVoLUFjX1dJZ2hwU1QyUElORkZLQ2E0dw?oc=5) · CUTimes
- 2026-03-04 [First Community Credit Union buys 20-story building for new Houston headquarters - The Real Deal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQSUFCUktnRmliNERXQUJESXNhWFBxbUtJekZ6eFNTajJ4a3JWNXMzNVIwSko1UTNPMzB3M2RQLUMtVmpmQ1BJZVAyS1paM1NzMWpmYnZxYmNPeUNxbWJER0c5NTgyWTFqcF9nTmtCZUtpWXg3S0I2S1c4QmxBZUxwcFhMMmNwMDhVUVFiaEkwYml2RnB5OWVyRE1nMWNGSDF2UE9fMi1JZ2lYbjA?oc=5) · The Real Deal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14091 (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/11.json (key "14091", 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=14091
- 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