# JSC
Houston, TX · NCUA charter 14762 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/jsc-14762

Who the members are: federal charter, multiple common bond, organized 1961. 126,357 members of 2,700,000 potential (4.7% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $2.65B |
| Members | 126,357 (-4.5% YoY) |
| Full-time staff | 391 |
| Net worth | $315.2M |
| Net worth ratio | 11.9% (p70 of band) |
| ROA (annualized) | 0.49% (p30 of band) |
| Total delinquency | 0.99% (p79 of band) |
| Net charge-offs (annualized) | 0.69% (p66 of band) |
| Loans / shares | 77% (p26 of band) |
| Cash / assets | 10.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.21% (p42 of band) |
| Operating expense / assets | 2.90% (p32 of band) |
| Vehicles % of loans | 37% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 69% |
| Third-party paper % of net worth | 147% (p53 of band) |
| Vehicle delinquency | 0.35% (p22 of band) |
| Vehicle NCO | 1.07% (p55 of band) |
| Repossessed % of vehicle book | 0.12% (p65 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 13% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 23% |
| Average share balance | $8,075 |
| Participations bought / yr | $0 |
| Participations sold / yr | $10.2M |
| Participations outstanding | $217.7M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $30,661 |
| Loans granted, annualized | $521.2M |

## Participation posture (from the same filings)

Bought $0 and sold $10.2M in the latest annualized quarter; $217.7M outstanding purchased (69.1% of net worth), $281,972 sold and retained. Sold in 1 and bought in 0 of the last 8 quarters. Shares -1.9% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 1 | net worth falling |  |
| 2018-03 | 0 |  | net worth falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | auto monoline |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | 3rd-party paper>100% NW |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 2 |  | auto monoline |
| 2020-09 | 2 | delinquency rising | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | delinquency rising |
| 2021-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-03 | 3 | members leaving | delinquency rising |
| 2022-06 | 6 | delinquency rising, charge-offs p90, assets shrinking |  |
| 2022-09 | 4 |  | delinquency 2x band, delinquency rising |
| 2022-12 | 3 |  | charge-offs p90 |
| 2023-03 | 1 |  | members leaving, assets shrinking |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | repo signal |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | repo signal |
| 2024-09 | 2 | repo signal |  |
| 2024-12 | 2 | net worth falling | repo signal |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 2 | members leaving |  |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 3 |  |  |

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

- 2018-07-04 [Forbes: Local bank, credit union tops in state - Amarillo Globe-News](https://news.google.com/rss/articles/CBMipwFBVV95cUxOeDlLejlLVmJocHNrc0xLb1lSdlZKb1pCRWw1ZHQ4RzNkRWtfY2E3RFVnbzc2akNTeVRhUDRkNEN2Q21pSTQ0bE05amdLV0J5RGtEVEpMOTFHNVFxMk4tTTktcXJVOVYzblFjM09LbzVQMVVKTkw5bmM0b0IxWTZGWGlnQzY2QzRramtUS3ltVWlWX1RVb1VwYnIzUUhiVXNUZXc4ekozNA?oc=5) · Amarillo Globe-News
- 2021-02-19 [Credit unions across Texas dig out after historic winter storm - American Banker](https://news.google.com/rss/articles/CBMisAFBVV95cUxPd3BtMWdqeGxsWkp4TGpwTl9GMmFYUDFiYWYtdm12M0psU1VjZEdoWG5Ia1RqVXVSaEpGWmprUFpfS2drNE42NjJHMlRWdTlOUk1tN2VyLVRZclE1Z0ZMYUtGTFJpNnJfT2R4ZkpJaklQem0ySWFZN3ZaNjlweHd0b2l4MjBHbnBDc0oweDEtOU05aVFNOWZtYWU5YzZLXzZESjhrTTRkYldNUVFrblBfcw?oc=5) · American Banker
- 2019-04-19 [Houston credit unions hold their spots at the top of HBJ List five years in a row - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQUXZpemI5ZXNaaTBkX0RuUVowYjQ0S2pHYXgyd3BRSFZfaFNoN0tXcE43cnBOelR2eUs5azlabnNSd1o4YTJvU3o4MVJiaW9HaXlRTFZVTmx3bjNETGstbm5LaGdWSm9kY2o5bHRiZjRzMTI2bVNsa3BnRmZhQzVZbUdSNTJoSFVSTmoxaUZtNW5pNGhlbk0wN2FBR3BRRjdPM1E4Yk53Z0Jzdw?oc=5) · The Business Journals
- 2020-06-02 [Seth Carter Obituary - Webster, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE43aEtwc3pBd0FIckdkWlNPRm8yOS02SHdxd3NkRFRBblRNeVdPenZMNWJqLWRmbmVWYWtGWnRDbERhQUlGbkNaM3BfQ01MeFJqWVNkTWFhVk5SU3FaVHN5bzVLTnA4cXItR1dKYjMwcjY0V3VFQzBqZ25SUWc3UQ?oc=5) · Dignity Memorial
- 2009-05-28 [Dr. Stephen J. Zella - Cleveland.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNRlpmRXMtd0VqX1BnMmRmMW01ejNwWjhkenlHMnBBUngtY2xQcnZnbV9hcndWT3c0NDlWMDlEMEt3M0dZdF9jUzhVTVU5UF9taENnaE1KY1RNZDNYblBNUVJYUEpZdVlxUklxUmRMdXBFQmV5N0pXYUVJZlB5V0plVmZNOVlfelk4RldrZGZrU2p4amt1TWc?oc=5) · Cleveland.com
- 2009-07-17 [Andre' Ford Obituary (2009) - Houston, TX - Houston Chronicle - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxPSWVULWs3T3BTanZwTGVtTWU5MC1mZzZCTGFMSWNGQjczdmxCS1QxY3NucW9LRjFxZzVldlp0cTljdmlSSjlCTkRDeW9kQVBpTkxNS0U5S3A5dGk2bzd1ZjBOT0VRU2VUSUxRaFZBLV9uWVhWZzhZQ1FobTkwY0owWHJtalBTbjJfUUpQUkRvUW0ycEE?oc=5) · Legacy obituary
- 2018-03-05 [Heath Vargas Obituary - Webster, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE1OQXlBTU1fNWZta244YXdCbDU5cnQ5VXZFM2VScWFMVnZUYS11U3ZCS1RCaVIwd2ZtZW9ZRXFzOWxobHFEN003NTd3OTlqZmRWaURudjluRmNFYnZzVW5TNTVYTm8xS0dnNzU3VE1VX1FhNm1lU2dWeU9xVkV2Z00?oc=5) · Dignity Memorial
- 2019-11-09 [Frances Leal Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE92YzBWLWc5bjlDaGZYM3Z1UEx4c2drY2pJYm1WWUNyOXdjZGhjMFFieVYzRTVPSk43QVNGbU1sVkdvUGZjNDlHY29RbGhOX1QwYW9HN3RNYXNQVHVQeG5yV1lBVlpCLTdZR211RGl4VXVrbFRHS0Fyc3l6Zm0wM2s?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14762 (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/42.json (key "14762", 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=14762
- 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