# EXPRESS-NEWS
San Antonio, TX · NCUA charter 15973 · asset band <$50M · latest filing 2019-09 · stopped filing after 2019-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/express-news-15973

Who the members are: federal charter, multiple common bond, organized 1963, low-income designated. 851 members of 1,250 potential (68.1% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 35.

**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 | $6.4M |
| Members | 851 (-15.7% YoY) |
| Full-time staff | 3 |
| Net worth | $661,939 |
| Net worth ratio | 10.4% (p26 of band) |
| ROA (annualized) | -3.18% (p2 of band) |
| Total delinquency | 1.12% (p61 of band) |
| Net charge-offs (annualized) | 0.14% (p43 of band) |
| Loans / shares | 56% (p41 of band) |
| Cash / assets | 46.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.91% (p26 of band) |
| Operating expense / assets | 7.01% (p95 of band) |
| Vehicles % of loans | 30% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 3.27% (p90 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 8% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 10% |
| Average share balance | $3,285 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $10,683 |
| Loans granted, annualized | $335,815 |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | losing money, members leaving | net worth falling |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | net worth falling |  |
| 2018-03 | 4 | delinquency 2x band | losing money |
| 2018-06 | 4 | losing money | members leaving |
| 2018-09 | 1 | members leaving | delinquency rising, net worth falling, delinquency 2x band, losing money |
| 2018-12 | 3 | losing money, loan book shrinking |  |
| 2019-03 | 4 | assets shrinking |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 6 | net worth falling, expense trap |  |

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

- 2026-07-24 [Men arrested in back-to-back armed robberies of car dealership, credit union on Northeast Side - San Antonio Express-News](https://news.google.com/rss/articles/CBMimwFBVV95cUxPTzVzZWQ3ekZqUGdZSjdSY3BGaFhRcHJWR0xQMUY2bk9XM1hVTFg5bkREVDRJSHpvNDVUUlE0RGg3cndVYUZoa1BxZmlkcWRCWXVFYzVZbEhiTGVFQ0N4emxVMWxxXzFoMy1Ha0tlM3Rhelhtbjk3YjdlTlFrT0VGNV9WbnhlNjlIZV90T0t5bUltX1JiRm92T243aw?oc=5) · San Antonio Express-News
- 2026-02-02 [Randolph-Brooks Federal Credit Union merging with Oklahoma’s True Sky - San Antonio Express-News](https://news.google.com/rss/articles/CBMipAFBVV95cUxOUkNNTVNQZ0pmWV9kSUV1dHZfQ1R3aG9GdzMzM21Uak90UE02amZ2WTJhT3Axc25waEdvZ2dENVJlcE5BMG55cXZYdXY2LTVxeVRBYk5SalBnSG9Ibkx6UGM2U2MwNF9pMklfeHZfNkZkQ2I2OV9xWExMSHdiR3ZfaFpQZ2RzN1YxRmRmXzlVM0ZXMDRMRENFVGNSXzFkdWhUVlZ6UQ?oc=5) · San Antonio Express-News
- 2026-07-18 [Armed robbers steal cash, other items from San Antonio credit union, police say - San Antonio Express-News](https://news.google.com/rss/articles/CBMimgFBVV95cUxQT2FfUzA3cXQ2NFoyRWJ5djhSenA1MFhPNzM1b1dKdWlxdmRRbk1LOUZOdENwNnlCUERxeVZjWnA1VzRBWkliVWdua0swb2JISHhKRUN4N1FBWHpLU0tkaW1paEhzX2N2Q0xmSS1sU0JwT0lRMXpvbkdNM2hrRWI4aV91TGltNE9sdllNMlFUd1kxb0R1Q1hLR3RB?oc=5) · San Antonio Express-News
- 2026-01-20 [Why a former Generations FCU board member was shut out of data breach settlement - San Antonio Express-News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQVEkwbDMtSjNxY1N5OU5QdTEzX0M4bExHU3FYMHNaZmlzRkhsQ0dFV2VfMEhGSXVxNElPR3JRY2s0SGdCRWFPenlSeFFfc0g1RV9ZM3hZX3Z3cFNWM1BrSDg1T3J2STFaUHZBYk9yTFp0NTV5Q0VaM1ZaVnZtR1RoNUdmQTRsYXVJNHUtdy1OOHVtRUN6T3g4eXJRaTFWRWcxa2FTX1NlZ2M?oc=5) · San Antonio Express-News
- 2025-12-31 [Man arrested after trying to rob Hill Country credit union, police say - San Antonio Express-News](https://news.google.com/rss/articles/CBMirwFBVV95cUxOeDBjUGtYUUdIcjhicGpWMjBfaVVabTc0dzNDRG80LVF5RXFNZlBwaU5rUXhFZjVRVDhyOHVFOU9KY1V0RnI5TTYyQ3dYWTlwakJLdnFlMzlia1dJTzRyX0RzLVM4NFowMHU0ZVRMeDBvZ2FYY3FQN3RKUjNSMWJMTm5vSGxMY1JhUnRmeUVuQ3dlOHM5NEhlLUhOY2R3b0NGaG51VzkycE5lVjlKdlRZ?oc=5) · San Antonio Express-News
- 2025-10-12 [2025 Top Workplaces — Large Employers - San Antonio Express-News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOWl9wVEEwSExWZEc3Z3pzdXdCSkpQT2VHRDVFVzlEZEoyczY4LXJ2VHFZcFYwZTBmcWdTbFdrVlh3aGF0RjFGTTR5TTZtN1ZHQVFma1Q2SUR0NUozTkw1LXRpSjlFOXdfSFFoWmt2cFNqZEZ4Y3NaT1c2WkppU2FUUUljZ1lVYXYyUjlORmthbHYzTlJrbERCbHpvNmZFSVpBUE1nMGVFd0U?oc=5) · San Antonio Express-News
- 2019-05-17 [Two San Antonio-area credit unions may merge - San Antonio Express-News](https://news.google.com/rss/articles/CBMirAFBVV95cUxORnJyZXlhOWhKLXVfZVdUOHpid19KaWRUS0IzSWR4WU9oYmxxX2hwTEc5YXFMSDdCdnhBTl9IRzZDdmxlbzJiQndlQlhVbm14T19HeThVem54cGd4OVE3ZmdkeEhNanUwVHdmY25xQUNZc0RQazhMWlRMX2drZVlTWDYtNlBBV1NHd3h6ZUI3eDJCRzAxOFB5MkVhTE1ldmlVcGt0cTlDMExJX05y?oc=5) · San Antonio Express-News
- 2021-06-19 [Most S.A.-area banks keeping branches open for Juneteenth - San Antonio Express-News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNeHlVYzNlSjU5UnROYk52cXZ5UmZaR194VXZ3QWZJUWFEeVVWclNHV2xvYXNYUDl5OWxMUUhFbWM5UkFyYm82ZmJJTFNQU1NXd3FtNkF3NUloTFE3THFadmNHX01TQzl6THpoREJaM0RIaS0ydkFIUkJkY0RQdkpia3FlRFBaZENtUjdXVDJNSjBkb2pwajk2RVhXMzJCSmJKVlF2OXVOQTg?oc=5) · San Antonio Express-News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15973 (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/37.json (key "15973", 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=15973
- 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