# UNION FIDELITY
Houston, TX · NCUA charter 15049 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/union-fidelity-15049

Who the members are: federal charter, multiple common bond, organized 1962, low-income designated. 5,943 members of 7,000 potential (84.9% of the field); checking penetration 10% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $28.1M |
| Members | 5,943 (14.2% YoY) |
| Full-time staff | 6 |
| Net worth | $5.6M |
| Net worth ratio | 19.8% (p73 of band) |
| ROA (annualized) | 1.23% (p78 of band) |
| Total delinquency | 1.27% (p67 of band) |
| Net charge-offs (annualized) | 0.30% (p68 of band) |
| Loans / shares | 78% (p79 of band) |
| Cash / assets | 36.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.58% (p93 of band) |
| Operating expense / assets | 5.11% (p80 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 | 1.22% (p69 of band) |
| Vehicle NCO | 0.59% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 13% |
| Average share balance | $3,644 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $5,960 |
| Loans granted, annualized | $8.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | repo signal |  |
| 2017-06 | 3 | delinquency rising, assets shrinking | repo signal |
| 2017-09 | 2 |  | assets shrinking |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 3 | assets shrinking |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | delinquency 2x band | assets shrinking |
| 2020-06 | 1 |  | delinquency 2x band |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 3 | members leaving | margin squeeze |
| 2021-09 | 5 | margin squeeze, delinquency rising |  |
| 2021-12 | 3 |  | net worth falling, margin squeeze |
| 2022-03 | 2 |  | members leaving |
| 2022-06 | 1 |  | auto monoline |
| 2022-09 | 2 | delinquency 2x band |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | auto monoline |  |
| 2023-06 | 1 |  | delinquency 2x band, auto monoline |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 1 | assets shrinking |  |
| 2024-03 | 1 | auto monoline | assets shrinking |
| 2024-06 | 2 | members leaving |  |
| 2024-09 | 1 |  | members leaving |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 4 | net worth falling, delinquency 2x band |  |
| 2025-09 | 3 |  | net worth falling |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 | net worth falling | delinquency rising, delinquency 2x band |

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

- 2022-05-19 [Best 3-Month CD Rates for September 2026: Quick Deals Up to 5.00% - Investopedia](https://news.google.com/rss/articles/CBMiakFVX3lxTFBua0lmeGNTcFhqNG9zQlFSSktrdTduRDNiVHo5UXBPVTlPeVhGTHZCLXRIU00xTWhTZFMwSVF5amhBc0d6aGZ5VF9PVm5RdHlEVlV0aWhINUN2VEgtRG5QcVY5aDBsS0prSGc?oc=5) · Investopedia
- 2026-09-01 [Best 3-Month CD Rates Of September 2026 - Forbes](https://news.google.com/rss/articles/CBMic0FVX3lxTFBWekdOaHVIcm9Xa2hhUXlSLUdCRlVLNHBWaU5FZm5DOWlUN0RCZkZkX0xORFZiajVfakhLNl9Td21WSExZaHdLVWZwdGtzd2RFVnF1VHY0NVhmN0pYdkNERWxYOW8tVlc0aUFVRXBlUDZjMzA?oc=5) · Forbes
- 2020-04-02 [Best 2-Year CD Rates for September 2026: Up to 4.45% - Investopedia](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9ERDBvMmNkM3ZCdEl0TmlZZzRoYmFjS1BfdXQ3X1Q4d2xhTlFYeHJrRDB0MHZ2VkRaek5LWUl6S3ZnZDBUNnUtb1hlbVJBOGU5VnJGWGVtMXhnMEhHajdIS2tEallYblVp?oc=5) · Investopedia
- 2011-01-15 [Does Someone Owe You Money? Part Three of Patch's Very Long Series - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxNNnBTeEpRdFVnTGNrblkyVnVNaFliT1hZb1Y2d2pxRnFRUUp2SXoweFo2OGdDQTZxYWxNQUg1cjFDN1RuZVFHRW5CUmxxOXpMYUhyRktON2M1VE94TE9sbkhBb2FndV9icE1KTmtPRldCMkprYjJDNzRhbWhzSVdKdHR6b3lDZS15Q0loZkRLTFdvMGpJaHZ5MV93bzVmcFo4cTFj?oc=5) · Patch
- 2020-02-29 [Best 1-Year CD Rates for September 2026: 4.36% APY Still Available - Investopedia](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBWdHhPbWJzNDJGd2pXNGZ2Y0wwSWlibkFqU1BJV21xNk04a1RKdlNFUXdCa3gzUGVoUlJHaWo4ZXdjeUxVdGpGSC1tcXo4VHNkekVuSDd5LTZOMHJIdG1QY0FxWjdqXzBa?oc=5) · Investopedia
- 2019-09-18 [Best CD Rates for September 2026: Lock in 5.00% APY Before It’s Too Late - Investopedia](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1NdzdodnV0OG95NFJFeVlmWHRrNE45WmtaTldicWhEV1psQWg3LWhSaHdlMGV3Y0lkZnlFZDlMX0lWcFRDb2tEblAtLVM1Sm9DRWtqWUhOTFpWRHRSY1o0?oc=5) · Investopedia
- 2020-02-29 [Best Jumbo CD Rates Our Experts Found Today, Sept. 9, 2026: Up to 4.35% - Investopedia](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1lekhnazJkRHdEa2lMUnVSeDFyNV9sSU40Z0gxOG1GR01paDFqUmRXdk10TnVKQ3NQN2Z5X1RWWDZLbXVRZUtZYk5neUsycnZVaWp4cXMxTHdvM3hhUGEtNTB0cnFjM2M?oc=5) · Investopedia
- 2022-05-19 [15 Best 18-Month CD Rates for September 2026: Up to 4.50% - Investopedia](https://news.google.com/rss/articles/CBMia0FVX3lxTFBEV3FET0tjNWFKUGFyUUdsMndJUkRmMUMtdndWNFVFMG9PT3IxWG9HN2wxaFVTTHEyTmR2c3J2ZTZKTnNEai04TXMwczVwUzRsTzlOeWVaZ0R4YkhMb3BjWWVHbkx6cW9vRmRB?oc=5) · Investopedia

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15049 (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/9.json (key "15049", 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=15049
- 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