# BELTON
Belton, TX · NCUA charter 15565 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/belton-15565

Who the members are: federal charter, multiple common bond, organized 1963. 803 members of 1,500 potential (53.5% of the field); checking penetration 15% (share draft accounts per 100 members); loans per 100 members 32.

**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 | $4.3M |
| Members | 803 (1.0% YoY) |
| Full-time staff | 2 |
| Net worth | $649,105 |
| Net worth ratio | 15.2% (p52 of band) |
| ROA (annualized) | -1.43% (p8 of band) |
| Total delinquency | 3.78% (p90 of band) |
| Net charge-offs (annualized) | -0.05% (p14 of band) |
| Loans / shares | 45% (p30 of band) |
| Cash / assets | 53.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.06% (p57 of band) |
| Operating expense / assets | 5.02% (p79 of band) |
| Vehicles % of loans | 68% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.58% (p84 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 14% |
| Average share balance | $4,618 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $6,340 |
| Loans granted, annualized | $746,864 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 1 | auto monoline | losing money |
| 2017-06 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2017-09 | 3 | members leaving | net worth falling, delinquency 2x band |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | assets shrinking | members leaving |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 2 |  | assets shrinking |
| 2020-03 | 3 | assets shrinking |  |
| 2020-06 | 5 | margin squeeze, delinquency 2x band, loan book shrinking | assets shrinking |
| 2020-09 | 5 | charge-offs p90 | delinquency rising |
| 2020-12 | 3 | members leaving | margin squeeze, delinquency 2x band, charge-offs p90 |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 5 | net worth falling, charge-offs p90 | loan book shrinking |
| 2021-09 | 3 |  | members leaving, charge-offs p90 |
| 2021-12 | 2 |  | net worth falling |
| 2022-03 | 2 | delinquency rising | margin squeeze |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 4 | delinquency 2x band |  |
| 2024-03 | 5 | loan book shrinking |  |
| 2024-06 | 5 | margin squeeze | assets shrinking |
| 2024-09 | 5 |  |  |
| 2024-12 | 7 | charge-offs p90, assets shrinking |  |
| 2025-03 | 3 | losing money | delinquency rising, loan book shrinking, margin squeeze, charge-offs p90, assets shrinking |
| 2025-06 | 6 | net worth falling, charge-offs p90, assets shrinking |  |
| 2025-09 | 5 | loan book shrinking | delinquency 2x band, assets shrinking |
| 2025-12 | 6 | delinquency 2x band |  |
| 2026-03 | 6 | margin squeeze | charge-offs p90 |

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

- 2026-02-01 [Jeannie Ambrose Obituary Feb 1, 2026 - Dossman Funeral Home | Belton, TX](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1MWFFXazlCMXAyQWI0cVo2UTJrbEN6UllpXzZSenhzNXZoZVFMV2NRVzBUVHBXVW5uaFktdFEtM3NfeDEyQXBZUjRxd1JPZnMzdXVLY1M0em8zWXZBUHByTDJ3?oc=5) · Dossman Funeral Home | Belton, TX
- 2025-09-11 [Thursday Night Football presented by Texell Credit Union: Killeen High vs. Lake Belton - KWTX](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNbXZUSG9IYXM5Yk9YM0wzd1BJWVVTaWY3OE51dmw1M2ktdEdpLVlTU2JacTloYWxRNllIOHRFcXNIS1V3bFlrVW9GSUNMdGJyRnJrYmFtNER1QnBkNEEzNTduaW1seTZnUmZFcEtHR2VMRzVramZRM0dpZXFJdmtUaEwzQWlYSmNrTnM1UVY0MlZRem9rOGlhSERhZ0l4cFdHQU9ISzU3NVJ1VWdTYVd1NGFjdXBqYVM0?oc=5) · KWTX
- 2018-02-05 [Man accused of robbing Federal Credit Union in Round Rock - Austin American-Statesman](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPUFFrMG1fbm80cGZJQzNFNVJwQjRsWjlGRENWbUdKTl93Y2s0ZXV0d1lBZDhqaThHQ1YzRlRaNUdUNkN1VktLRlJXWTJXMUpENTQxejFZQ1pPR0o2WXBrdEJpdkMxQ1M1MXVLTlhhSFJnV0drZ3RiemgtYUIybnlmS0xTTndmVW9ERy1TMXZuTlB3bHB6aGVrV0poSkNxZWNNZ01GRDZmOFJyRUNNQVROS2lGVkdialZIQ0xPNXFrN0hLQQ?oc=5) · Austin American-Statesman
- 2022-07-01 [Margaret Mayes Obituary Jul 1, 2022 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1MNVZ3bVlFLUdfMUY5VjZhRXhGOVJ3Z3dmZVh4ekY3VHlqWnYxSUVOaXE2OFdCNEZId3UwT3M0NE8wLXFibjBnZEQxUFRfZk9zMHlKWXNsUGpSRmQ3bUtkclBR?oc=5) · Horan &amp; McConaty Funeral Service and Cremation
- 2017-11-03 [Credit union president enters race for Bell County commissioner - The Killeen Daily Herald](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQNzB2RmxfT0dJM1E3SDJUZ29tc2w5RkpZNXJRMk1pbEo0eEo0MzVZRnBmNGxBd0QybzNscS05aHk5dW01RUxUVnAzdmFDdEVJYldhcFpzcDlQZ3ROYUExQ0RpVVcxQVlnSTFWRDMxU1R4NlJ5YmNkbEhBek1YM0VaUUJseUdONHFBeDAxNTdtc0cyUGlwZUV6UjhHdGJONGtWNXAzTTI5VU5KbnZHRl8xcVB5RWpCUzllTGlCZ1VudEJYTzFqeHFETzlhOGNMemp5WHBvSmI4MXBzcnFjOF9jRmlhazNYbVRnVWlyYlVtSGdhMk0?oc=5) · The Killeen Daily Herald
- 2015-05-01 [Flora Daude Obituary - Temple, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE9SRl82UnQ0SEZTRWdSRm1vRkY1SldLNWtRU3RpZ3JwU3dhNVpYZHVQdHJBQkE5Tko0S1NFaFNrZF8wbkJaSVZsZE9Rd1Y4QUtkdzVTaG5DUjFHODVwMEMwVHlLVlBnaDV2SE9QNGw4bUY2U0s5SVJYYy1CdVI?oc=5) · Dignity Memorial
- 2023-07-26 [Patricia Ann Cotham Obituary Jul 26, 2023 - Dossman Funeral Home | Belton, TX](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBFV0RxaGNCLXFIdE94a1JvSXpqLTVJQUxCR29mOXdPaVc1TTMtMG9fdmhlYXoybW9YdkRPOEgzbkM4OG1SenZYM0t1X2V6OFpkcHpuTjAyRkJSclhocV9LMUFB?oc=5) · Dossman Funeral Home | Belton, TX
- 2020-09-08 [Local credit union reports data breach - KWTX](https://news.google.com/rss/articles/CBMie0FVX3lxTE83TzlYbUFkcFJrVGhhWk4wT3VZODVGd3NBczQtUFZZVy1LbEVhakl5QXVyOE4zdHl4OWJmX21XNUVkbFJhWW14UG9adW01dS1CaHM1dWVIdWRUeWlIc0dEM3hNZlluTVVObVJxaDRvdXlfQ2p6TGQzcmtVQdIBjwFBVV95cUxOZEJlRHVaNjNKSFJyZ2NFeXczLWdoSjZHa2ZabzhGQlYzTy1lbkQ2R09pZmtLY1R5RjZ4cWVBQ0wxM3k4QzdJRTAxSTh3MzkxTjNoSklPU3FxMmlfWC1NMFVUZ1JhS0hXTEtnN2U3WEI0OFhmQnhRMXU2OW1tbzhLNGlXRmc1Zmk5Z0ltckJRRQ?oc=5) · KWTX

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15565 (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 "15565", 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=15565
- 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