# KINGSVILLE AREA EDUCATORS
KINGSVILLE, TX · NCUA charter 15117 · asset band <$50M · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/kingsville-area-educators-15117

Who the members are: federal charter, multiple common bond, organized 1962, low-income designated. 2,025 members of 35,000 potential (5.8% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $16.9M |
| Members | 2,025 (-4.9% YoY) |
| Full-time staff | 7 |
| Net worth | $1.3M |
| Net worth ratio | 7.5% (p4 of band) |
| ROA (annualized) | 0.18% (p31 of band) |
| Total delinquency | 2.94% (p84 of band) |
| Net charge-offs (annualized) | 2.97% (p96 of band) |
| Loans / shares | 37% (p17 of band) |
| Cash / assets | 3.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.90% (p72 of band) |
| Operating expense / assets | 4.12% (p67 of band) |
| Vehicles % of loans | 46% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 5.25% (p94 of band) |
| Vehicle NCO | 2.64% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 40% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 5% |
| Average share balance | $5,209 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 35% |
| Average loan balance | $5,837 |
| Loans granted, annualized | $4.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | thin capital, delinquency 2x band |  |
| 2016-09 | 6 | net worth falling, losing money, charge-offs p90, repo signal |  |
| 2016-12 | 5 |  | net worth falling |
| 2017-03 | 6 | delinquency rising |  |
| 2017-06 | 9 | capital below 7%, net worth falling, assets shrinking, members leaving | repo signal, delinquency rising |
| 2017-09 | 9 | repo signal | delinquency 2x band |
| 2017-12 | 7 |  | net worth falling, repo signal |
| 2018-03 | 6 |  | losing money |
| 2018-06 | 10 | net worth falling, losing money, delinquency 2x band, delinquency rising |  |
| 2018-09 | 8 |  | assets shrinking, net worth falling |
| 2018-12 | 6 | assets shrinking | capital below 7%, losing money |

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

- 2022-02-09 [Cipriano Arredondo Obituary - Falfurrias, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxQNV9jRS1KbGoyODRscVJOSFd4OHMzRUNnOHU5N290TnZ2QzUyV1ZCVGJEaTg5VXY3UmxMYXJTbzhVMjRPUmFMUGlIUERwU1BJaDR0akdJLXd3REFsRGc1cjhQMU1kbHh4T0w5QTB4OFpwSDhjSkFEVUdoWmFJOTF3SnFOY09hOE4xS29fNw?oc=5) · Dignity Memorial
- 2012-07-25 [Alberto Byington Obituary (2012) - Hebbronville, TX - Corpus-Christi Caller-Times - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPS21fWG8wVGZKYmV2Z3RkaFBhOTg1XzBrOGMySlhqdEMzMEp3QkdhWnJmeXhBRW1TZFQ0OWRPc20xcld0Nl84Y1R0NktnYWVid29nTzZHdGRzdGdSckhPMFVCVmVLY3lQN1JfWS1qY3hZbVhOVjBlTzFTMHI3TjZEZ3R4ZFQ4d1ltTzZBRmVMQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15117 (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/13.json (key "15117", 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=15117
- 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