# AUSTIN
AUSTIN, TX · NCUA charter 17955 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/austin-17955

Who the members are: federal charter, community charter, organized 1967, low-income designated. 2,498 members of 276,190 potential (0.9% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 75.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $39.3M |
| Members | 2,498 (-6.5% YoY) |
| Full-time staff | 10 |
| Net worth | $3.5M |
| Net worth ratio | 8.9% (p10 of band) |
| ROA (annualized) | 0.62% (p53 of band) |
| Total delinquency | 0.69% (p51 of band) |
| Net charge-offs (annualized) | 0.17% (p63 of band) |
| Loans / shares | 49% (p37 of band) |
| Cash / assets | 49.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.87% (p50 of band) |
| Operating expense / assets | 3.65% (p51 of band) |
| Vehicles % of loans | 78% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 17% |
| Third-party paper % of net worth | 107% (p97 of band) |
| Vehicle delinquency | 0.80% (p60 of band) |
| Vehicle NCO | 0.25% (p75 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 98% |
| Certificates % of member funds | 0% |
| Average share balance | $7,779 |
| Participations bought / yr | $2.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.5M |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $9,360 |
| Loans granted, annualized | $3.9M |

## Participation posture (from the same filings)

Bought $2.1M and sold $0 in the latest annualized quarter; $1.5M outstanding purchased (42.8% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 3.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 4 | capital below 7%, net worth falling |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | delinquency rising |  |
| 2017-06 | 5 | members leaving, auto monoline | net worth falling, delinquency rising |
| 2017-09 | 4 | assets shrinking | capital below 7% |
| 2017-12 | 4 |  |  |
| 2018-03 | 6 | delinquency 2x band, delinquency rising |  |
| 2018-06 | 5 | net worth falling, losing money | assets shrinking, delinquency 2x band, delinquency rising |
| 2018-09 | 4 |  | losing money |
| 2018-12 | 7 | capital below 7%, 3rd-party paper>100% NW |  |
| 2019-03 | 4 |  | net worth falling, capital below 7% |
| 2019-06 | 3 |  | members leaving |
| 2019-09 | 4 | assets shrinking |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 5 | delinquency rising |  |
| 2020-06 | 3 |  | assets shrinking, delinquency rising |
| 2020-09 | 5 | net worth falling, loan book shrinking |  |
| 2020-12 | 7 | margin squeeze, delinquency rising |  |
| 2021-03 | 7 | delinquency 2x band | delinquency rising |
| 2021-06 | 9 | delinquency rising, members leaving |  |
| 2021-09 | 11 | capital below 7% |  |
| 2021-12 | 11 |  |  |
| 2022-03 | 13 | losing money, charge-offs p90 |  |
| 2022-06 | 9 |  | loan book shrinking, margin squeeze, members leaving, charge-offs p90 |
| 2022-09 | 8 |  | delinquency rising |
| 2022-12 | 7 |  | net worth falling |
| 2023-03 | 6 |  | losing money |
| 2023-06 | 4 |  | capital below 7% |
| 2023-09 | 5 | assets shrinking |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 3 |  | delinquency 2x band, assets shrinking |
| 2025-03 | 4 | loan book shrinking |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 5 | members leaving |  |
| 2025-12 | 6 | net worth falling |  |
| 2026-03 | 5 |  | net worth falling |

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

- 2026-08-31 [The Best Credit Unions Near Austin, According to Locals - Austin American-Statesman](https://news.google.com/rss/articles/CBMibkFVX3lxTE51UktMa0ZiZGxBR2tRT0VaOUFOeVpoSkZzZWN4NWVmYlBrQldqcWd0U1hHWk1menNpTmpURFlQQXFkN2kta3I4c3FWWVcyYndQYldoTFQ1anBBeFZua3RQX05aNWRrUFFKRk94cjJn?oc=5) · Austin American-Statesman
- 2026-06-04 [A+ Federal Credit Union encourages community giving with Austin Gives Awards - cbsaustin.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxNT2VKVVk2anVhWHVVNFF3Y012MlpMeFEyd2h6WTV2ZkpLY3BNbjBiRlNrNFZlejBIR0NTYzRYUHZjSlM4UUwtcVZSNXZGa2x0QVVNMnRjWU5wXzkyRlJaa2hIdkt1M09QUFZSZ1d2S0Nod3hoM3dtbzdKZlhabWxHU1ZQbURSOUtJQXVKLXpyU2tGMUNhajBXQW1KU3RhaUE4RnBhbGN2OEY0WGh3U0RiVTNWd09QZkNoaGNkTw?oc=5) · cbsaustin.com
- 2026-08-25 [AEG Presents to Open United Heritage Hall in Austin, TX in 2027 - Business Wire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQMVNwem0tUTdSM21WNzdZX3VNeFFHaE5EMUpMcVJXNjZyX2JnR1RKcTVTS1Rxdm1IQ2Q2ZGprazBrYkhvVk1SN0ZPOWtBV2xseUg3dEN1QkIxZ0JfV0xwdW0wZ2ttUlhGOXJFeTFCeU4yVUVIS0dYNXVFVTlTQXp6elNGX1hNc0xNdEZlaHRYUWNST0h1RWRrSzE3MmdXem9VUV9rOUdtQ2k4UnVRaTQ3WTZzQmJTcEc4bjZv?oc=5) · Business Wire
- 2025-12-08 [2 financial institutions coming to Northwest Austin in 2026 - Community Impact](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQTmJ3eEdtVGZoelNuZzlBVDVkdkVNYXVOb1NsU05GeVlLLUNYVS1ha2RkNUNnTzVaRVhobE1IYXdaUGsyM0dnV3lfajEzQ21VYUIzaDNuTmtxZkt0Z0I3TUFoTmpvQkdpYkhzNkVhV0NsMkQ1cHJMRnFreTBwcG53bkFJVHVSQ1hvaHRnTkMxcjlhSUlrRl9VUlYzUEh1MkRCT21TNnAtUzFNMGNSbjNUeUI0Z01xUC1S?oc=5) · Community Impact
- 2026-02-03 [Man charged in connection with robbery at North Austin credit union - KVUE](https://news.google.com/rss/articles/CBMixAFBVV95cUxPcTF5eEFUMFM3a1ZBZWVRMzI0bjIyS2dhSlhDdF90RkhKb2FybnhBY0xoVDJZQm9Wa2RTX1VacU55Qk9JSXllTmQxR3NvbWFxcU9Qbkt6bnB5T3ZQNVYtZjU3Y0FYaDF4enVCS3ZWMUdSdFFhenlfNVI5eVhNNnlpc3NYa014SlJUai1sMGZZTG1IWHh5cjN4MW9pcTdTRjEtSXhyYTlzZ21HOXVsWVlNczF4YnoydWk3UWtmV2NRTkdlYTBQ?oc=5) · KVUE
- 2026-02-12 [FBI Arrests Round Rock Man in Austin Telco FCU Robbery Case - Texas Border Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxNMy1YUjJJWlZXaF93c1habWU4Ukk2UDRsN3hNNnItNWRBNTVUbFl4ZW1aWkQ5eVhvTU00eU1NaEt5VFdQUGdQZXVaNWxlZk9qejFGenNQeVBtRFFmWnR0eWwxTmVxeUdjb2l3Ul9tX3BUZzd4YWRoX0lIdjlUbHlrbXhqbkNUcl9JakYwdjk1dDE5Q1llVjVF?oc=5) · Texas Border Business
- 2026-06-10 [Austin Telco Federal Credit Union welcomes Grant Williams as Vice President of Commercial Banking - CUInsight](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQclpUTnJDdGNQcUJfc21EdnBsRE85X0w1d3djaUQzVEdITjdJWGZPLWxqQ3d5bUhZQnZmVXZRT3hudUJ3VTQ5ZE55TWlVallEbHVXV1I0cVJPRHdVMjM0S0pnMHYya19xVGhodHY0OXhEV0JkNnNkNmtWaW4xNTA4ZktKcXFtd1l2Y09LRGVfNkxuOXQtUkk0eS1IcmJibXNsUVBpLUh2R3JMV0k0UVhqZnNYd0NPQm90bWJwV1lOWk1adUMxUHd0WkswdV9BS0U4amxnbA?oc=5) · CUInsight
- 2026-02-03 [Round Rock man arrested, accused of stealing $113k from Austin bank - cbsaustin.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPRUZWUUJSRG90ZnUyY0dxT3U4RnhmVWhWQjl3SkwzQ2hidnlER3NYdmYtanNSOFg2ckNZQmVQQmQ1b0NQblJuNFVwMkFwRTd2RHVHNXRtQUFTaEYtSXdPeE5FM2V0X21FUk5vNGY3aUZ3Z1ZzSzFJclZtd21BMDdpYVhNWDJOYmstSzlSM0YzRWVrNTIwT1JwcEJNeVNCMGc?oc=5) · cbsaustin.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17955 (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/35.json (key "17955", 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=17955
- 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