# LUFKIN
Lufkin, TX · NCUA charter 16351 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lufkin-16351

Who the members are: federal charter, community charter, organized 1964, low-income designated. 5,103 members of 32,000 potential (15.9% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 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 | 5,103 (2.4% YoY) |
| Full-time staff | 10 |
| Net worth | $12.3M |
| Net worth ratio | 26.3% (p89 of band) |
| ROA (annualized) | 2.06% (p94 of band) |
| Total delinquency | 0.07% (p23 of band) |
| Net charge-offs (annualized) | 0.18% (p63 of band) |
| Loans / shares | 53% (p43 of band) |
| Cash / assets | 58.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.42% (p70 of band) |
| Operating expense / assets | 3.88% (p57 of band) |
| Vehicles % of loans | 65% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.08% (p36 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 3% |
| Average share balance | $4,520 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $10,459 |
| Loans granted, annualized | $8.7M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## 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 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | delinquency 2x band |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 2 | members leaving | delinquency rising |
| 2019-09 | 0 |  | delinquency 2x band, members leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, auto monoline |  |
| 2020-06 | 1 |  | auto monoline |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 3 | auto monoline |  |
| 2021-03 | 4 | delinquency rising |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 3 | net worth falling, delinquency rising | margin squeeze |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 1 |  | assets shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | assets shrinking |  |
| 2024-12 | 2 |  | assets shrinking |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

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

- 2026-01-26 [Charles Carter Obituary - Lufkin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQeUZ6VERXaHAtMXhPM25LbWoyQlVaUGtoc2ZZQzkyc3dRczB4dF9jblM5cGpweXNJUUZDS1ZMYzYwcllfbVR2WEp5Q3E3TEdMc1U5ZHFxNlgxWDBBTEswZFhfTzdOM1NFWGdGeG9Sd1lJTU1FOUEyaGNiU1lwNHB4aHdB?oc=5) · Dignity Memorial
- 2024-06-18 [Leona Beasley Kendrick Obituary Jun 18, 2024 - carrowayfuneralhome.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE5RWnpMTVA5V0xmd3NYUEl0VHhhb1hKNjRqTjgxS0Etajh3T2NRMzJ5clFqX1JjX2c4R2p6SkZ6a3BNN05RZWFDRmpGNGhIRU4xc0ZpMklBOW5RdGJLYUVqRzBnZTlfb1Q4aFZlaERR?oc=5) · carrowayfuneralhome.com
- 2013-07-05 [Lufkin man who returns $500: 'No good deed goes unseen' - KTRE](https://news.google.com/rss/articles/CBMiZkFVX3lxTE15SkctdXZ2RUg2ekJBN21SUTNTSm5PUWlvNEFnTjM3YkV2SkZLLVBMWmZDNG9aa28xeXk4cFVMLUdBQ0pvRjdGb3FRYjhfNlZqd0JKYVozVGhFdVFtX2NDWTBBVlhBd9IBeEFVX3lxTFBmYklWMkh3UU1KMUlLYzdCWF9MZHJCbXRLSkM1N1VjMUIxa2ZLZFJpRzBONVVMZkRmQWEyaS0wRjl2UXBPTjJrWHlmX0d3WWE3aVkzVkZXX294NkduZEtYU3dfZjg1QnJrdzdJNHU2czlJVzA3MnY5ZA?oc=5) · KTRE
- 2014-04-20 [4/20 Business connections - The Lufkin Daily News](https://news.google.com/rss/articles/CBMisgFBVV95cUxNM0J4TkVzQXZUd2NpNXNWRGRFV3ZiRXJ3OEJCSG9SWFVEYzNKNnp4NjZsMGFZRHJRb1VuLUxLbkU3NlVnU1ZZSWhucUZJQ3dzTlhSdHR4ZS1lRFc5dXRWT1ZhVkVsdXdRUXFzejdEYW9XTkxhbEFHZzVUYTBLcGRURWdYdGQ2cjVyZzRRc0F1TU42MnNCMUoxbk8xd0tpMkRWbHJRUThfTzhIM2Z3SllUbGln?oc=5) · The Lufkin Daily News
- 2024-08-17 [Obituary for Lisa Gail Zumwalt - cooperfuneral.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFB0bjI0RnZhSWJtS0F6b1M3TmdhSWhSQUU0ZEs0dy03OUJhR2hPQjZvcnBCbUhlZld3b1NuVFg2YzhXbkJOM05jRHNuY0hCUzBaNjV2ZHJwMjFleVBQdXRWVg?oc=5) · cooperfuneral.com
- 2022-08-30 [Shelia Gayle Hutson Obituary Aug 30, 2022 - carrowayfuneralhome.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE9Kd2FWZ0hUNXFFM0V4YVhOOHJLT1d2d0pLNUJSbEl5eGMzcW9uSUM2QUNiV2s0SVhkWXBjcm1RQUN5SWFZVVR3a0wzaTJIamFZdnNidFNRc1Z3OXN2ajJ3blBrNzd4bERWdU1ZUA?oc=5) · carrowayfuneralhome.com
- 2021-10-01 [Lucille Anderson Obituary - Lufkin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOdG5RN21XU1pYeDlkeC1lYnZSUkRmeEZxRGU0Mk9mYVFOVGFhNmNtQXBDdEgzc2Y2RE9zdWJuZVA3VmhMRk5oeDBnU3pYeDhzWG5KZkhZUm1mS1pPeDREdlVrZ0tQMnlmUktLdVRybWw3MTN1WmhvcU10NVprQUdESk5xd0g?oc=5) · Dignity Memorial
- 2010-06-01 [Longtime Lufkin Industries exec Rod Pittman dies - KTRE](https://news.google.com/rss/articles/CBMijgFBVV95cUxPUUo4eVVRN2lpUEREbDFKZXBMT1lqYTdCZW1JSmdvaUs0a2pTeXNjU0h3eTBRM3BkOW1Jc2hkVkVEQUtMY3V3T3FWLTFmRk9SUWNlZTFBT2xYN1loRTB1N0tFWDNBT3hHcmRSUWx3NXZVYUhyNmlaSWVuNlNDTVYzaU96LUZUMGd1ZXo4NzF30gGgAUFVX3lxTFBMb0RwbFc5RnBaOTlYeDloWWtEZ2hUYS01bnpXaDRvQmdDNWc0TlU2ajlFLTBvbHJFZVRFcGhaMHJmMXdxQTJDQ0E4eWdnSkt3LUpmenpGb0ZIYWVtOGkzWjBBUVRiUlprTU9OcTB2eUJIUk96X3NUYXRtMTREdFlLbGlPcC1CdWJVel9sYklIcWVJQzFKTjZoSXlVWFR1NnI?oc=5) · KTRE

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16351 (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/31.json (key "16351", 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=16351
- 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