# FANNIN
BONHAM, TX · NCUA charter 17254 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fannin-17254

Who the members are: federal charter, community charter, organized 1966. 6,717 members of 30,000 potential (22.4% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 60.

**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 | $79.5M |
| Members | 6,717 (-1.1% YoY) |
| Full-time staff | 13 |
| Net worth | $15.9M |
| Net worth ratio | 20.0% (p90 of band) |
| ROA (annualized) | 2.48% (p99 of band) |
| Total delinquency | 0.26% (p25 of band) |
| Net charge-offs (annualized) | 0.35% (p60 of band) |
| Loans / shares | 65% (p56 of band) |
| Cash / assets | 45.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.13% (p76 of band) |
| Operating expense / assets | 2.59% (p18 of band) |
| Vehicles % of loans | 72% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.18% (p23 of band) |
| Vehicle NCO | 0.18% (p48 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 26% |
| Average share balance | $3,426 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $10,246 |
| Loans granted, annualized | $18.8M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 | repo signal | delinquency rising |
| 2020-06 | 2 | net worth falling | repo signal |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | margin squeeze |  |
| 2024-06 | 2 | delinquency rising | margin squeeze |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

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

- 2026-07-18 [Credit Union of Texas to host Inaugural School Supply Crawl benefiting Fannin County Children's Center on July 18 - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTE0zcVQtbkVIR3FPSW9CcnRTcFJpeTMybTNuSE8zUnc1aXRDOGRZMU1GQXhiMWJNRGd5Z0NGa21uREx5Vmx0MnpyblBYaHBoZ2F0T1U5VFRQTWRaSHIyTG5RSDVBYWo1OTdVQ1hIcjJR?oc=5) · North Texas e-News
- 2026-07-14 [Morning Talk of the Town: School Supply Crawl in Fannin County - KXII](https://news.google.com/rss/articles/CBMijAFBVV95cUxPVWdjVHE5eFhDbi1qZjZ0akNWak1yM3VGaDE4T3lZRHNUUjFlOG1faW9HTndOaWtDMzAzU3NQbmE4TURuN2ZLRUtPUHpjZDVuU0ZEbEEtZ0Q4WmNrMmxJam5MMmdvejNlblhNMkdkLVAzTllmSFZVV1llQmNYVnZpQzBKdG5tNFdtdkhVbtIBoAFBVV95cUxNM1laVXVjRXI0MS1ibS1NT01qNzlYTGM1VVNmR0dFcjJEa3hRelZhRkJaYlFadjF4ZVBjR2VkbjVZVE4weGEzclVBNHVPNHFRdnhwVzU1aVdGOGFORXRubkNHN2lEWjhMUlNZNVQ1T0tPRkxueHoxQmotVDlfdXZqNDZ3SVZ5bUotY3RpWU4zWldzaE9md3FMaUV3TnBhQ28w?oc=5) · KXII
- 2026-07-18 [Credit Union of Texas to host Inaugural School Supply Crawl benefiting Fannin County Children's Center on July 18 - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTFBFbWh6X2laQjJZbWVVNFA4dHZvUk50OVFFaTVuRUNnR29ZQTBpellEeEx6MXdiQUNOQ3MxX0hydXdrYXdXdHZIUVQ5RXhzVlVoMFZEMHlGVVkzWlQ3VkZVb0tqczRmSlFpMTlRVG1n?oc=5) · North Texas e-News
- 2026-07-22 [School Supply Crawl brings in school supplies for Fannin County Children's Center - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTE1LN0FnNXdJNmU5NjlDUlVWMEttemN3bW9oTmRMNkJQb041ZlpyXzFQSUhlcEd6SC1mdjBhcWdldnYzV05PeTBDanFPUlI4bm83aU1Za25lU0lvNldKUG4tYXV3RHRGQW5lZm1nME13?oc=5) · North Texas e-News
- 2025-04-05 [Fannin Federal Credit Union to sponsor Free Community Shred Day April 5 - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTFBJcHZwZVYyRWV3NzZUc2g3eVlwQlFGU055Q09MSGNMT0lRaWpOR3Y4dHY3cEZSY25UcW5QTGw2VzgyYTRreDBZY1V0b2x5Vi1MeG9QTkQ0ejU5R1dxVllCM0EzWGd3bzJQWDhrZmJ3?oc=5) · North Texas e-News
- 2025-12-26 [The Bonham Area Chamber of Commerce announces 2026 registration for Leadership Fannin - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTFBqXzBhaXhuUjl1dmpGSHI1VGl1T2FPWWdDV0dsSi1wV0ZLWUtPeUluX0p4Y1Jha0I5b3VtemNrTFVEVGFMY0F0a2xNU2VpVGl6NjA0LWNpemctZWQwdV9aQ0poQlVSa2VseU12dmRB?oc=5) · North Texas e-News
- 2024-10-18 [Fannin County Family Crisis Center holds 4th annual golf tournament - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTE9oSklZdi1Zb0Jpb2YzUVctd2ZZbS1CdzlTckg0NktYeXpLM3N0MlZQYUNRYlQyZ0hmWGFfd256LXpzY0hDNUxqZGZRRURPV21zN2ZfQkdwRUdYem55a0d6WWdZSTgxSGItZHZPYTR3?oc=5) · North Texas e-News
- 2025-03-05 [Front Page Mike Towery announces for re-election for Fannin County Treasurer By Media Release Feb 9, 2006 - North Texas e-News](https://news.google.com/rss/articles/CBMibEFVX3lxTE1ldlpFY0N5RGxDSENWWlRNdFgwWGlYSnRJOWtyTXQ5eW5NVjcta211RG1aVVlacllYaHZIckJ1aC1NNFZiNWt2OHA4R0RTQ214dlRudHBCR0VIeVA5YkViS1lJNmhiMWQ1cHFvbA?oc=5) · North Texas e-News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17254 (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/38.json (key "17254", 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=17254
- 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