# H & H
Stinnett, TX · NCUA charter 15961 · asset band <$50M · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/h-and-h-15961

Who the members are: federal charter, multiple common bond, organized 1963. 3,071 members of 52,518 potential (5.8% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $46.9M |
| Members | 3,071 (-4.1% YoY) |
| Full-time staff | 11 |
| Net worth | $8.3M |
| Net worth ratio | 17.8% (p77 of band) |
| ROA (annualized) | -1.73% (p4 of band) |
| Total delinquency | 0.40% (p44 of band) |
| Net charge-offs (annualized) | 0.15% (p59 of band) |
| Loans / shares | 51% (p47 of band) |
| Cash / assets | 37.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.82% (p16 of band) |
| Operating expense / assets | 4.70% (p86 of band) |
| Vehicles % of loans | 66% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p85 of band) |
| Vehicle delinquency | 0.31% (p48 of band) |
| Vehicle NCO | 0.17% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 9% |
| Average share balance | $6,481 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $12,735 |
| Loans granted, annualized | $9.5M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-06-16 [By the numbers: Abstracts of judgment; state and federal tax liens - lmtonline.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNSWNrOFZpRjVDWHFhODV2enhJX3FEMlNzcGZBb1REOEh5WEJEMXBoRFlMbUFjUUs5WGZnU1RueWNIUmI1YS1nMkFIRzZLbXdxSW9DZGh6S1dxRkp4VjNnNEVCOXRJVENpZTRZODd3eG1fUG8xWUVoTHB2VVozQlVPaTlaZ3Y3N0hqNFBLNFBtQUktenJTZU5mVF9GSmxVdw?oc=5) · lmtonline.com
- 2019-08-13 [Area credit unions working to make miracles happen for children in the hospital - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.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?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2018-12-27 [Curtis Hinshaw Obituary Dec 27, 2018 - Minton-Chatwell Funeral Directors](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9YTElwYW05X2pha2FzVmdDM2d3dDlwYkdyWElZaXZybVM0bFB4N1FYS3VvbXV2MlZ4Qm5TVzhvUVVlTjZEUDdBR01ETWV6SWpjUXh3eDdYNGVveTBQVE96T05uZ0VEblE?oc=5) · Minton-Chatwell Funeral Directors
- 2025-05-05 [James Allen Cunningham Obituary May 28, 2017 - Allen Family Funeral Options](https://news.google.com/rss/articles/CBMiY0FVX3lxTE8zZU5RMXprdS1BdGtzU0FEeGVkSzRkQkdrTW5oU1h4NEhfQXktaDB2SkVXZ1hvcjV4dm9DeXpVM0lIZ2hCaTllSk1OdmwtNTF1aTJUQmo0bVFSN2dPa1ZWVjB5Zw?oc=5) · Allen Family Funeral Options
- 2013-02-21 [Jennifer Belle Samples Krieg Obituary Feb 21, 2013 - Carmichael - Whatley Funeral Directors](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9GeWhpY1VaXzFMWl9qalJONzdFZEhLMjBlZ085M1pVeHZoMmhoM1ZEQVFERVJPRm4zaXpPYXlBUlVfMDFVSU43OU1qTkE4X0ZpTV84X3p4Rzl5ajZsbTNtbldtWQ?oc=5) · Carmichael - Whatley Funeral Directors
- 2018-08-20 [SBA Loans: June 2018 - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiU0FVX3lxTE5qN0lYUWNuaGRCdnNuaUZTM0kzRkF2X2dJSXdqRTc5NnA0Q1FLZFFieTVWMFRfeUxkanFyTzg0REdXaFlIUFJRR0xrbVoxbWkzdmRj?oc=5) · BizTimes - Milwaukee Business News
- 2009-12-06 [James Clark Wider Jr. - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxNRTdDNXh1QWVPbnVXQUcwOXFOY3ZjNXkxVTZtM2M2WDh4eDZZUkJBeVVXSEE4d2pxWWJMaVdhU3dBMEZVY2JRaWV2Q1MyOHBWQ0ZlZDVRMk5DbUlyeHk3Q0dZLXluT3V4aU1mb2swZ2ZOV3pUZS1vWWkycVRfUms1S1NrVm1iU3pVZ0FxVGFn?oc=5) · Colorado Springs Gazette
- 2021-10-13 [City Pulse Top of the Town 2021 announces the Top Five - Lansing City Pulse](https://news.google.com/rss/articles/CBMijAFBVV95cUxOOGhIZFRZSk5yT0owU1BqUjJPcXFmNFZFc0VURUdad3VXbE0yZVdxeVc5RWhqNFZaTXpGajdaT1pEQV9VX3d0U2pLWFAtSEJJeVdVMmNPOGVBMFB0ZC1ERy1MX04waVI0anBTVWtPYUlyZVE5NUpMWUFrMkZKMFRwb092cTlvRlU3TDlXRg?oc=5) · Lansing City Pulse

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15961 (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/25.json (key "15961", 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=15961
- 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