# DUGOOD
BEAUMONT, TX · NCUA charter 15146 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dugood-15146

Who the members are: federal charter, community charter, organized 1962, low-income designated. 37,857 members of 607,196 potential (6.2% of the field); checking penetration 80% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *fortress*. 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 | $610.5M |
| Members | 37,857 (2.7% YoY) |
| Full-time staff | 135 |
| Net worth | $79.4M |
| Net worth ratio | 13.0% (p82 of band) |
| ROA (annualized) | 1.44% (p89 of band) |
| Total delinquency | 0.14% (p6 of band) |
| Net charge-offs (annualized) | 0.17% (p17 of band) |
| Loans / shares | 78% (p40 of band) |
| Cash / assets | 21.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.26% (p36 of band) |
| Operating expense / assets | 2.85% (p17 of band) |
| Vehicles % of loans | 27% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 43% |
| Third-party paper % of net worth | 59% (p40 of band) |
| Vehicle delinquency | 0.28% (p20 of band) |
| Vehicle NCO | 0.80% (p48 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 80% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 29% |
| Average share balance | $6,873 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $26,372 |
| Loans granted, annualized | $116.0M |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 | net worth falling | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | delinquency rising |  |
| 2021-03 | 1 | net worth falling | delinquency rising |
| 2021-06 | 1 | delinquency rising | net worth falling |
| 2021-09 | 0 |  | delinquency rising |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 0 |  | delinquency rising |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2025-12-19 [Pay it Forward | December 18, 2025 | Sponsored by DuGood Credit Union - kfdm.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPLVpsMjgyOVdOMkVrNnZJSTJkbExqa2RseTEyN0tiM25lTmFGLWt2UTc1bkRibG1EZjVQZWZjcUFPUVlGYW9TS3d4RG9HelliS0hUVW1udzRHb3hRX1J1ZVdtX09GenJVcGtKS1pBLTE5OEdOeURjV2lGeVlydzRCcGVfcnppWmRJVmpqSW9KUnJlNU5MNkRvMUFJV2VMMFFnZDNtY3VXU2I?oc=5) · kfdm.com
- 2025-03-09 [DuGood Opening New Location - KOGT](https://news.google.com/rss/articles/CBMiWEFVX3lxTE5raF9QUWc5MjlIV2NPM0ZSOE5xWG8yN1pOS1k2T1dfRGV0RldnbFYyaV94RXNjSTQzRUdpNWlnNEFLWlBkQjBLWjFZaEUxU2d1OU1iVXhqZnU?oc=5) · KOGT
- 2024-04-18 [Pay it Forward | April 17, 2024 | Sponsored by DuGood Credit Union - kfdm.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOUEVOcktYMmdyWmlNNzNKLUppTDFyZHdsZ1VRTDdiX2pIYnBPbzhtakpPOVNRM3BYUWFPXzlDQUFiTzZqUWtXNWZWcWxzamczOXk4UGI5RjZid2FZU1RkYzhlOG1ldXlrN3hhSUVkb3BKQTVmbWJfdkFWWUpFcGhpaTBwdEtlcEpXWTVLOVVMcTVLZXRWS3NsU1plX3BuZDRoTFRnNA?oc=5) · kfdm.com
- 2026-06-20 [See the photos from BBB of SETX's 2026 Diamond Awards - Beaumont Enterprise](https://news.google.com/rss/articles/CBMirwFBVV95cUxOMlpSME5RTXZyM2RoMUk5bmljdV8zTFBlTnQtZlV1REZOdlo3TzBZT3lGdkVpWkstdFQ0a2lnRm0tOVRVZVJDamJ5UlRmVWVCRktuMHVlVWpoMVRyVUkyZU9zMTZVY1pQbC0yZ1UwNjdMVi1MUVRyZEx2V0FnT2l2UjE4ZUVlalJCeFpOTlNEMkhrSVMteTh2eHVBekhFLWhmUUZRV1U1UGgyQWM3UW04?oc=5) · Beaumont Enterprise
- 2023-03-31 [Sheriff's Office: Suspects caught on camera cashing stolen check at DuGood Credit Union in Vidor - 12newsnow.com](https://news.google.com/rss/articles/CBMiowJBVV95cUxQWVdITi03RFZtTHZPeFhEZHlRbmdndnJrendRdm1pdS10U1ZXMGhZazBYeDBhZzI2OWdMbldpVUthdzdWUjNmNkhtX21mS0hXQ2ltNEdHNUpUT2JTbGlTZHluRE5QZlBTbjJDVjFNTVhuay0tazVHZm1GZG5NUzJyTlR1b1lvMFFMV0lqLXFoQUZRNmlWNHBUcDdtTUlKUkk5SEJPUHNmRHZzcFVkR0hzQl90LVU3VkxVYy1xVlVrVXhtNE1aZ3A4Z0dZR0N5cTNCd2F2UndzQ29fN1pIX3Vkb1QtdC1DR3FwVjhSRnFQR3A1R01GTkdlMjhpUlVZS25yY3pSUE9DSHE0RU1ieVgzSUpoTTNQUzNIay15MzhValNlemc?oc=5) · 12newsnow.com
- 2025-12-29 [Pay it Forward 2026 - kfdm.com](https://news.google.com/rss/articles/CBMickFVX3lxTE9ZdUxTNE8yNDlRWWZyX0VuQ3BCYk16TklQRGlMVC1KcGw2TzhCZkIwYVdNVk5idFhEa1J0MGt6c0h1TkZORlNzRE9HMGI5UHNROEVJZ3ZQdkZNMldBZHdoRllJNFY1ZDFHQWtaWERMeHZQUQ?oc=5) · kfdm.com
- 2023-11-16 [DuGood by Giving visits The Dream Center - kfdm.com](https://news.google.com/rss/articles/CBMidEFVX3lxTFBWTkRhLUdkVWQxY0NaODQ4Z2xrbFpSZFVmbDNnRUVLOG85dlRXcmM4UlMzZkNiY1JMV2tBMTJzMWlGM3JfeU5wMlh4b0dzZTVBaU5fdnl4NG9SSTNRWVNwTy0yeEl5SXNhckE2V1dCY1luaXE4?oc=5) · kfdm.com
- 2024-07-22 [Pay it Forward | July 19, 2024 | Sponsored by DuGood Credit Union - kfdm.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQM0V4Z2Fjb3JsZi04R0M3eWdYYWR4QkFucDBDRzhyS0ZscFpmRzh2enVhMHJGR01HV3laTGR6bFdPVlVDNGlOanMzbnJlYjVzX2FqSllBWUFaZnJVb1FMdTJfR3lRX0F6Vi1XSEJDMTVZQy1fcmhaaEVOd1JTbTVOVDJqVDktSW5INTZrMWE2a015d3ZZWlRydGFLb1FsLUQ2VXFJ?oc=5) · kfdm.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15146 (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 "15146", 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=15146
- 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