# WINDTHORST
WINDTHORST, TX · NCUA charter 16373 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/windthorst-16373

Who the members are: federal charter, community charter, organized 1964, low-income designated. 3,058 members of 47,400 potential (6.5% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 70.

**Verdict on the desk:** this could be *quiet fade*. 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 | $100.1M |
| Members | 3,058 (-11.6% YoY) |
| Full-time staff | 13 |
| Net worth | $12.3M |
| Net worth ratio | 12.3% (p57 of band) |
| ROA (annualized) | 1.00% (p68 of band) |
| Total delinquency | 0.13% (p10 of band) |
| Net charge-offs (annualized) | 0.00% (p7 of band) |
| Loans / shares | 75% (p60 of band) |
| Cash / assets | 33.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.89% (p11 of band) |
| Operating expense / assets | 2.02% (p5 of band) |
| Vehicles % of loans | 19% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.59% (p52 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 85% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 51% |
| Average share balance | $14,128 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $30,559 |
| Loans granted, annualized | $23.9M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## 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 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 2 | net worth falling, delinquency rising |  |
| 2020-03 | 1 |  | net worth falling |
| 2020-06 | 0 |  | delinquency rising |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 1 | delinquency rising |  |
| 2021-12 | 0 |  | delinquency rising |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | net worth falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | net worth falling | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | net worth falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 1 | members leaving | delinquency rising |

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

- 2019-05-24 [The Tiny Texas Town Bankrolling Dallas Institutions - D Magazine](https://news.google.com/rss/articles/CBMisgFBVV95cUxQU1JDYlpoVlNBcVdScFBoYmZqMllid0E3TFdTemZZbnZHcE9aTEJWZDNfQ1dGU0ZBTm56UHhZWGl4MlVYbDc5MzNtTmhaMmc3c2I0ZWMtbzQ3ek1XVnloQ2J6TUNpZnlnSXhHa3cxcVdSd1F0dDdhN3REM2NWc1RhRmJJdng1Y1I5R05EbzNOcTdrMDZBUkRGSUpUSTBEcjgtdTJaNFEtNUJPNk5lUXN0ZFhR?oc=5) · D Magazine
- 2017-07-07 [Betty Jane Humpert - Times Record News](https://news.google.com/rss/articles/CBMirAFBVV95cUxNdHJyWTQwSi1NY1lnXzEzTkE3dzk5S1BjRGI0SlhNeGIxWEp3eUNhNEo1ZG9BSElDZXVXVjEtNUk2QTlGWXdqbEFjS2w4NUU3NFd5VUZuVEUwajI5SEtWN0ZjVGt0WFVnYkN4NHdSNElIWFBKY3Q1eUxQVVJIbnpmMU9yWU5pOE5XWVhhaFlxN2YzQ0RKQzVrNktHVDFCS3lSYjFtZVhHTzd4UUNI?oc=5) · Times Record News
- 2019-01-11 [Kenneth Francis Koetter Obituary Jan 11, 2019 - Tribute Memorial Care](https://news.google.com/rss/articles/CBMia0FVX3lxTFBwZ2lLOEU2YW9HSi1SVkVvWS03S2NfVmNxNnZPVUw5SmQtcGRCMVI3cEFYZVpPMkhMdE9KMW5xckVkSU0xVzJIaWpYVHhtX2l4aXl5SDlxazUwbnk3QmduVVlIdWRYM2ZjR09j?oc=5) · Tribute Memorial Care
- 2026-01-18 [Ralph Frank Veitenheimer Obituary (2026) - Archer City, TX - Aulds Funeral Home - Archer City - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNcFhqSGNrV3VHbkRjRGJya3A2WXRlVXRMeG1fOE9ZUVRVNDZDSm1GY25XOGlMZFVvNzYyV0dWZHdiNjZDYUVqWFNZNzBNV1FWaUxKWXFqVnJoSnJLLTJmeGhUMFF6bWwtWDZjNy1ORFRRWll4T01nMFBkT2poVkV3MkhUMTB1Umpn?oc=5) · Legacy obituary
- 2019-08-27 [Names released in fatal accident outside of Scotland - Texomashomepage.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQYlNEeHNRVWNxdm5vdGFxZkk5WGV0TjVtanVKLXpsMFdGU3pVVlplNjU3RWtsb2NqUGRsTzJSUFEyUXZQb0tUNFc0Y2RsX1JPVjNSVDFaZzc4RXg0dS1IX2pTY01OTl9IT1VSeGJvQ3ViczZuN05LVzVJOXhic2gtc3dYcVB2dnZtUmhQa0JQRy1vVTBqUlltT0hhbG5hVExCaEp6ZtIBqgFBVV95cUxNUzB0T1BsVHFhM29pYjdGM2FFU0VjSFNnMXB3aVF0VFZpTER5cE84S0JfWG1yYkVVSkoySDJPZWEwd2RZTjVSZ2N4UHJBMXMxMXpCNDRNVE95WmwwVjlPY1AyMlNRVnRxSzh6QUpqNVpLTFUzdGZoYjRhQ29jSDJjTTN1b05IUi1NOFhiakFXSXVwdGUzR0Y4SzF5ek1EUkpUODFDUFNSUndidw?oc=5) · Texomashomepage.com
- 2016-11-19 [William Hoffman Sr. - Times Record News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQcGFKMm5uMExNRWYzaWxpaVdoSENKdWZ6N0puWlEyb1E3YV9qN0syeFhGQUlBejBpZklHWVVVVnRiM2JGX2g0UnprS0R0VXd2dWZmcnhlLWw1M1p2TzZwQ0tSUmFmY3pqWUx6V1JDdzdxdU5pMXpjOS12cVZSZXRLeEZiY0lRSi1WLUk4SHdjM3JWbE1wb0VyMFdjQndsZXRxX3dHeUVud0h0Mk0?oc=5) · Times Record News
- 2024-08-09 [Braden Charles (Bernie) Humpert Obituary - Times Record News](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBBNTBDa1d3Y3ZXd1h4b0dUWmZxcDlGeWQ3VS1XUDNoR2RjMWVHcU5GTTE0RVl0UV9MMkFjSG1NY1VwREhRckNIQWphS1RWeWEtWDBHV0NlZjROMTd4QVhUZDVkd1M?oc=5) · Times Record News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16373 (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/53.json (key "16373", 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=16373
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide