# F.C.S.
Floydada, TX · NCUA charter 17696 · 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/f-c-s-17696

Who the members are: federal charter, multiple common bond, organized 1966, low-income designated. 1,238 members of 2,000 potential (61.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 61.

**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 | $13.6M |
| Members | 1,238 (-2.6% YoY) |
| Full-time staff | 2 |
| Net worth | $4.2M |
| Net worth ratio | 30.7% (p96 of band) |
| ROA (annualized) | 1.37% (p91 of band) |
| Total delinquency | 0.83% (p53 of band) |
| Net charge-offs (annualized) | 0.23% (p51 of band) |
| Loans / shares | 69% (p59 of band) |
| Cash / assets | 6.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.79% (p21 of band) |
| Operating expense / assets | 1.34% (p4 of band) |
| Vehicles % of loans | 74% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.04% (p65 of band) |
| Vehicle NCO | 0.24% (p64 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 18% |
| Certificates % of member funds | 58% |
| Average share balance | $6,100 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 56% |
| Average loan balance | $8,551 |
| Loans granted, annualized | $5.1M |

## 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 | 2 | net worth falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | delinquency rising | net worth falling |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 2 |  | delinquency 2x band |
| 2019-06 | 2 | members leaving | delinquency rising |
| 2019-09 | 1 |  | members leaving |

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

- 2026-09-06 [Louisville vs. Villanova Football Game Tickets, Venue, Start Time – Sept. 11 - Bleacher Nation](https://news.google.com/rss/articles/CBMivgFBVV95cUxQT3l3NFpFYWgzY1BTSlcyclBSc1JmQUtXMENUVTB3ZDdhcVV1aHVZZldJNzZ2UUhtNVRQSlJsT2xsOUlvMlpuTkJiNmREV19lT0VTazY1VXlScUxZb1dTSnBxRlU0V24ySDA4TFhzODlJVlU0NGxhSE9QMk1VYW96R1lhcUpVZlpJZnlrVDNMSF9ndjR1OE1rRjY2eE50OUlyekluaW5ZQUVYSjBBR2Y2Y2luZU9yRmJzX2dXaUpB?oc=5) · Bleacher Nation
- 2025-10-20 [Patriot League Football Players of the Week presented by Credit Union 1 Announced (10.20.25) - Patriot League](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOOGZqMnJuNFJpdFZKMG5BYzQxNE1WMW1vbEsxQ1ZmZFhXalNZR2RqS2tiTmN3dENqRGxVZGotNmcxUTBmVHFNaEl3M0JqM2ZLb1NfRmgwSUpicHFiOGZBTU9QSHV2QUIyQnoyR2U1S3Y4YlRTc1BudGFnVWpNRGVGNE5EdzdHdVhURDlkaHl0NlNidzJmajI0X3pzZk1FZ2NTdVRkSklCbjZhakZPQlhRV3ExZlNuaTMybktUS0M2THlFbDRWQk01R1BlMlRVMnRxbXRV?oc=5) · Patriot League
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- 2026-01-21 [2025-26 college football bowl game schedule, scores, TV channels, times - NCAA.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPMmh0a193b0ZLc2gtNm1fWjRqbmhZY0xfZVVHS0VGdjRraDlQRXB3clI1SnBvT2NIdlVLazQ5QW5pV21UeFVrcUxoaGxGUGxTNGFMcmpLU3lkTlpaeGMzdHNiV21XR25tb3hfenJac0dJWF9oYkVZU1RaN1c3RUNtbTNRQWlkby1XbnRGS1AwanJDVnR4N2hPVGFUdHhid0cxY3JHZjlYdWZlWHpWMU5OOXhneXM2Q3ZfYkdxYzJXTdIBxAFBVV95cUxPcDlMb0RBVlJ1c0ZoaWZYaGQzaUNQaWFsQ211c1IyN2d3cWR6UWxiSVFvTXRuMlNSZHNwamZMQ1JYNWZXa0tvQ1AxczRkOFJnRWszNVhjRW4wLU52Vk1SRXpSY1Z3RG5WOTNFVjZwRWhxS043RzEwWFdnUExXTkxYVGpVdU1IYjVTRjdfc1UwSDBBSWFkNHQxbkxBektMLXlSSDNOeGJ1d2VaaFdkMTFUUFhoUUpudlJOQ1A0b0pzS1JGZnUw?oc=5) · NCAA.com
- 2026-06-03 [ESPN Events announces 17-game college football bowl schedule for 2026-27 season - ESPN Press Room](https://news.google.com/rss/articles/CBMivAFBVV95cUxNZlBIZlJmRzNxcGxmVFRMRjRqYUk1S0g1QWpMSGFpTjVNeXd6R3I3RURSSnNvRDBSeXVRVUVWOE9TdkF3Xy1IUEkzRlZEeGRKb250dTg5UFFSRVVBMU5rSVNlTlpEU2pKWW44ODQyNE05TTJ4Y1FYOXdMNTFIajRoZnR1UXlmVW9FaVZFZ3dVRm50Mi1jaGVUV053RTF3TXlEQ2FEek5tYW9uSXp2UVlkN21tNEdkTW1Ec1k5cg?oc=5) · ESPN Press Room
- 2026-07-16 [Poll: Vote for the top men's college athlete from Fort Collins area - The Coloradoan](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQYzV0SkUwWkRPbk1JV1NhdTU5ZkliYzZ3ZUJva1dBY0NPTlBsMFNrVlpDZUNmRldFRDZ4ZS1tcE1Fa2RsRXpyVU1WR0ZCV0VKVWpNdEZVMURKZzhjY0sxMW9JRHltQlBjR2hwVkY5S21fNlRfc2NsZTF5OTgyZmZXajFta1dxbWN5Y3dmcUFlcXRTUTJ5TXRnVWVZZDZubDgxc2ZrODVzaWVaMG54eUxsUU0yVS1xZVRET01NZ1BSSG9jNUd1Y3F4a2ZNZzhrSmZPNl9LaEhENjRRYmlHQ0Vn?oc=5) · The Coloradoan
- 2026-01-21 [College Football Schedule Week 3, 2026 Regular Season - espn.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPZ1U2bFBMX0JFLW1iMkR0ai1BNUxXemlibV8xeElrcVZhLTdEdExhUjlCOFFIUURQY3FoTXItMERIZlFnYzJxdEQxbC1tQVNXb3FWZXFzamxBVUd4MkozRVFGMHlzQjV5TnNFNE1qRVc1cE1xbjBrSGRxVkJFeXZLc041c2Q?oc=5) · espn.com
- 2025-10-13 [Patriot League Football Players of the Week presented by Credit Union 1 Announced (10.13.25) - Patriot League](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQRzdJTFJlMXNjTTZmanVtUmFBeHJ6dW4wdVcxa0dVTEw5SGRtaGhYY3Q3eUVyYTFyZnh4ZWcxbTJ1Q3FjN0FvMEVtcWdURmgzSnhBNVRtdGY2QzBNMDc4NVlFVGdYOEwyWVo3Ni1DMFU2MVpWTTBTb3MxLXFHRHhXdUpDR1FsTW50NVlEUEZlY3BoMDVTeXFwOTJBT0lpTlFEcmNNYmpHb3FyMUdRbXUxMnViNExmekdYZEJxbHB1cWhiaVVrVVN1V3dya3I1eUFaZG5J?oc=5) · Patriot League

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17696 (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/32.json (key "17696", 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=17696
- 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