# GO
Dallas, TX · NCUA charter 2073 · asset band $100-200M · latest filing 2020-09 · stopped filing after 2020-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/go-2073

Who the members are: federal charter, community charter, organized 1937. 14,685 members of 220,000 potential (6.7% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $143.5M |
| Members | 14,685 (-3.0% YoY) |
| Full-time staff | 49 |
| Net worth | $10.7M |
| Net worth ratio | 7.4% (p7 of band) |
| ROA (annualized) | 0.10% (p19 of band) |
| Total delinquency | 0.33% (p40 of band) |
| Net charge-offs (annualized) | 0.52% (p79 of band) |
| Loans / shares | 74% (p67 of band) |
| Cash / assets | 23.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.17% (p76 of band) |
| Operating expense / assets | 4.66% (p92 of band) |
| Vehicles % of loans | 39% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 86% |
| Third-party paper % of net worth | 304% (p94 of band) |
| Vehicle delinquency | 0.48% (p62 of band) |
| Vehicle NCO | 0.97% (p85 of band) |
| Repossessed % of vehicle book | 1.52% (p100 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 9% |
| Average share balance | $4,951 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $17,358 |
| Loans granted, annualized | $46.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | losing money, expense trap |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 2 |  | losing money, expense trap |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 4 | repo signal |  |
| 2017-12 | 5 | members leaving, loans>95% of shares | repo signal |
| 2018-03 | 6 | losing money, repo signal | loans>95% of shares |
| 2018-06 | 4 |  | delinquency rising, losing money |
| 2018-09 | 4 | delinquency rising | members leaving |
| 2018-12 | 5 | expense trap |  |
| 2019-03 | 4 |  | expense trap |
| 2019-06 | 5 | expense trap |  |
| 2019-09 | 4 |  | expense trap |
| 2019-12 | 5 | expense trap |  |
| 2020-03 | 6 | losing money, members leaving | expense trap |
| 2020-06 | 7 | net worth falling, margin squeeze | delinquency rising |
| 2020-09 | 6 | expense trap | losing money, members leaving |

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

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## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2073 (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/25.json (key "2073", 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=2073
- 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