# ROCKDALE
Rockdale, TX · NCUA charter 19926 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rockdale-19926

Who the members are: federal charter, multiple common bond, organized 1970. 8,211 members of 13,837 potential (59.3% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $108.2M |
| Members | 8,211 (5.3% YoY) |
| Full-time staff | 20 |
| Net worth | $12.2M |
| Net worth ratio | 11.3% (p44 of band) |
| ROA (annualized) | 1.35% (p84 of band) |
| Total delinquency | 0.06% (p4 of band) |
| Net charge-offs (annualized) | 0.02% (p11 of band) |
| Loans / shares | 55% (p23 of band) |
| Cash / assets | 48.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.74% (p55 of band) |
| Operating expense / assets | 3.36% (p39 of band) |
| Vehicles % of loans | 30% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.04% (p8 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 18% |
| Average share balance | $8,660 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $6.3M |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $26,901 |
| Loans granted, annualized | $24.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $6.3M outstanding purchased (51.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 3.7% year over year.

## Flags firing in the latest filing

- none

## 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 | 1 | assets shrinking |  |
| 2017-12 | 1 | delinquency rising | assets shrinking |
| 2018-03 | 2 | assets shrinking, loan book shrinking | delinquency rising |
| 2018-06 | 2 | net worth falling | assets shrinking |
| 2018-09 | 0 |  | loan book shrinking, net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | net worth falling, auto monoline |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | delinquency rising | net worth falling |
| 2020-12 | 1 |  | delinquency rising |
| 2021-03 | 4 | net worth falling, losing money, margin squeeze |  |
| 2021-06 | 3 |  | losing money |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | thin capital, losing money, delinquency rising | margin squeeze |
| 2022-06 | 1 |  | auto monoline, net worth falling, thin capital, delinquency rising |
| 2022-09 | 3 | thin capital, delinquency rising |  |
| 2022-12 | 2 |  | thin capital |
| 2023-03 | 2 | assets shrinking | losing money |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | delinquency rising | assets shrinking |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-06-22 [Rockdale to Host Milam County 4th of July Festival for America’s 250th - cameronherald.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxONC0weFBzTGhieVc4ZlNZQUhwTXpyTjRhZk9kN182QmRiUl9kb05VUjI5ZDEzZVZwb19Hd0p4SFNtUzBHQV9BUDhsV2NZaHlPajBOYTl1MExnOGdYU0NmeldhS0ZDMTRvYktKRERvRHA5WGw4amN5dGpCbWZtZE9icjFCelZuczlmR0s5Ng?oc=5) · cameronherald.com
- 2017-02-02 [Four charged in death of Rockdale woman - FOX 7 Austin](https://news.google.com/rss/articles/CBMie0FVX3lxTE95TWJEZm5CM0VZN1YyZXdDT2psRHlMazRlRURqcHg1dm90amFWaXh4QU12TTVXS1VnQlZJdkpBSmNMeVdVQlRUcWxuZm4wZHI3NGdLaHhIR0JJbUxEanViUjI3eEl1UHVHUFJ0SGFyNy01STBwaGIzRzdERQ?oc=5) · FOX 7 Austin
- 2017-01-30 [Family reacts to death of missing Rockdale woman - KXXV](https://news.google.com/rss/articles/CBMijAFBVV95cUxQQ1E5bl9VRFFlT1pYbVJSbE5VbWZyeTl5TFh5aWpZSFdlS25tak1CTFNIOFRKUmRoMHF0SXZqZUlGQjlBQWM3Rko0TFM0TmRCellRX2VMc3VRVjFWc3BHVlZudHM5SVhkOFhOcTd0OTA3V3MzT2lHbGx1Tk9BNFdhTFppUUZSeWdEb2ZMaA?oc=5) · KXXV
- 2021-12-14 [Chad Cryer Obituary - College Station, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOU0x1ZjBUSFBNQXV5anhlN3I4YTJobmM4dnNsTjN0X0VGMWozZjVEZEhWTHNwMkRzYVQyc3N4MDdPcUpyX3VfMU9lOXJFX1UycE9hNTB2WXFjcFQ2WHlvTExBM2xVOFliX0loOE10RnNtNkt6MGtsdjNWN3NzSEl5T0psUnJXOGtG?oc=5) · Dignity Memorial
- 2026-09-03 [PA CareerLink Lycoming County opens new downtown location - Rockdale Citizen](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQM25wNDM5bndURC11RlRXdEFXTlhTZ1Y2U0hhVWdRaTFYOVhTNFZXdE5TRS1BUG9aWEtaeE5kZjBYNm4yazE2RTBDdWtvdC1vbmhvM2hiRUQ4ZmFzdTh2V0tyeHY3VG9LQl9IS3ZaWXJhQjNxOXZaRnhqSk5iN2NkYnZidkxROTBGQUFXWWRuN3k3ZUk5SmppdTlORV9ZX2pTbWRpbWdidkRqZVBLY0x1NGRnSEVsWkF1UVVCSEkxZXdXdlhXc3JpYTVUemNrcmUwVUpLTHhZNFNkWnpHRmdnWG5mNXdRZU4xbUstbkdB?oc=5) · Rockdale Citizen
- 2007-02-27 [Bret Key Obituary - Georgetown, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE4ycnRfYkZBbUpyUElhNEF0ckRuZzdlVjNQTGpXWlJBRHN4UmRIbEVTdGFmblcwU0Nla1pERUxvSjNLZ2VNYXNCWWhadzB4U1IyTWNSOGdnNEFWaG9tTEVUSVZ0RElURlI1ZGtuOHg5X3M1Z2Zma2dsZHU4eVBubUU?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19926 (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/22.json (key "19926", 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=19926
- 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