# PRAIRIE VIEW PRAIRIE VIEW, TX · NCUA charter 2077 · asset band <$50M · latest filing 2021-12 · stopped filing after 2021-12 (departed; for a credit union that is almost always a merger) Share link (named URL with a preview card): https://getbookiq.com/cu/prairie-view-2077 Who the members are: federal charter, multiple common bond, organized 1937, low-income designated. 628 members of 1,500 potential (41.9% of the field); checking penetration 12% (share draft accounts per 100 members); loans per 100 members 33. **Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice). ## What the filing shows | Measure | Value | |---|---| | Total assets | $3.1M | | Members | 628 (-2.5% YoY) | | Full-time staff | 1 | | Net worth | $72,620 | | Net worth ratio | 2.3% (p0 of band) | | ROA (annualized) | -0.67% (p10 of band) | | Total delinquency | 0.69% (p59 of band) | | Net charge-offs (annualized) | 0.54% (p84 of band) | | Loans / shares | 44% (p44 of band) | | Cash / assets | 49.7% | | Borrowings / assets | 0.00% | | Net interest margin | 3.38% (p83 of band) | | Operating expense / assets | 5.64% (p94 of band) | | Vehicles % of loans | 70% (p69 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 0% (p46 of band) | | Vehicle delinquency | 0.00% (p19 of band) | | Vehicle NCO | 0.74% (p89 of band) | | Repossessed % of vehicle book | 0.00% (p47 of band) | | Real estate % of loans | 0% | | Credit cards % of loans | 0% | | Unsecured % of loans | 25% | | Commercial % of net worth | 0% | | Core shares % of member funds | 82% | | Certificates % of member funds | 17% | | Average share balance | $3,728 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 33% | | Loans granted per 100 members, annualized | 24% | | Average loan balance | $5,648 | | Loans granted, annualized | $514,839 | ## Flags firing in the latest filing - **thin capital** (`cap_low`) - **capital below 7%** (`cap_critical`) - **net worth falling** (`cap_falling`) - **losing money** (`earn_negative`) - **expense trap** (`earn_opex`) - **margin squeeze** (`earn_nim_squeeze`) - **loan book shrinking** (`shrink_loans`) - **auto monoline** (`str_vehicle`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 2 | thin capital, losing money | | | 2016-06 | 2 | | | | 2016-09 | 3 | net worth falling | | | 2016-12 | 2 | | net worth falling | | 2017-03 | 3 | assets shrinking, auto monoline | losing money | | 2017-06 | 3 | | | | 2017-09 | 4 | charge-offs p90 | | | 2017-12 | 3 | | charge-offs p90 | | 2018-03 | 5 | losing money, charge-offs p90 | | | 2018-06 | 7 | delinquency 2x band, delinquency rising | | | 2018-09 | 7 | | | | 2018-12 | 6 | members leaving | delinquency 2x band, delinquency rising | | 2019-03 | 7 | delinquency 2x band, delinquency rising | losing money | | 2019-06 | 7 | losing money, loan book shrinking | delinquency 2x band, delinquency rising | | 2019-09 | 7 | | | | 2019-12 | 6 | | members leaving | | 2020-03 | 6 | margin squeeze | charge-offs p90 | | 2020-06 | 10 | expense trap, delinquency 2x band, delinquency rising, members leaving | | | 2020-09 | 9 | capital below 7% | margin squeeze, delinquency 2x band, delinquency rising | | 2020-12 | 10 | net worth falling | | | 2021-03 | 6 | | losing money, loan book shrinking, expense trap, net worth falling | | 2021-06 | 6 | | | | 2021-09 | 10 | net worth falling, losing money, expense trap, margin squeeze, delinquency rising, loan book shrinking | assets shrinking, members leaving | | 2021-12 | 9 | | delinquency rising | ## In the news (Google News, unfiltered, newest first; check the city) - 2025-02-07 [Former Prairie View HBCU credit union manager gets two years for embezzling over $200,000 - Houston Landing](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOQ1BXVC1nMF96YXBuaWd6ak5GU1gwTkR6ZjM3TFY2Vmg5eDF3WU9MenZOUDRaVkV2OGs5VDNYM2RUSHBsb29Bc05zeFRvVG4tQmZHTVkxX1RGMmUxSUhrYlF3TWRjWVRlWmp3Y1RURTI0X3VFQUxmeTluY3dkM2tIRlg1RnFidGFBSV9ZQ3FucDJrSlV5dVFWQ2dGcUFUaTNzeXpIU1JveFRqc3JabmlXT2J0M1ktNjBMYlU4?oc=5) · Houston Landing - 2026-06-19 [Texas Southern Football Releases Multi-Venue 2026 Home Schedule - Sports Illustrated](https://news.google.com/rss/articles/CBMijwFBVV95cUxQTVgzMlpJMWhVZlczZEQwcWpwY3JJQ0JZejRlV1pZdkc4X3pRN3BCSi0ySXNzZmZiVG5MOEtpZ3JLVzJQYVN5WmRtT1RTaFV0UWc0M3BKS3kzNk03cDgxT3JiZHNOMlZ4Qi16Zy1LNEtvM0VOTE44SkVON1VrNm5lcTV4TTJKZVBnNFZnUVl0MA?oc=5) · Sports Illustrated - 2025-02-07 [Former federal credit union employee going to prison for robbing elderly customers of their life savings - KHOU](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOQkFsRFdvRm1HU0tKYUMybGZNaEFBR0FlRUZRcXE3SVhsT1QzVHhTWU40MUZpRDBXN2V4NVhmalJoZmpONC1UUG9GQWNBMEwtckRnZlJPWl8yWnVKbkloV0NjZDZaa1oxR0tuWWdkbXNMdHB5Z2xLRTAtNkZQQUY5SmJQZ0lCeTQ1ZlhWSV9rQ3lTZG96Ti1kNW1iVlBBQ1QxRF9vN1Q4WEtkelBGVVAtb3Z4YW03WVc1UE51MmFzc0xETGhKM2NyeFBzQS1hNzBjYnVN?oc=5) · KHOU - 2025-12-07 [College Football Playoff, bowl projections following championship week - espn.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxPWkRtNUZlTGkxaERpMU9ZSE5HeV9xNXUtLU13SHVjUktHUUViVVRTUjNic2VncDZKbzQtUTRiU3VqOU5TYWRITFFPWnRpMHdNMkE0ZW5LenI5Tm1sOUYyMHIxOTVJTjBFb25vR2RDTXp0N2s3dFZqdno3Vl8xVzJFRXBLalBHWEdtcXBONF9pTWZ1ZnpVT2Q3SFMzWWVsNjgtajY3TUN2ZzZIM3Fmcl8xOU9FMzQ1UTEtSi1aYko0c3VmNk5qNWc?oc=5) · espn.com - 2025-08-07 [PV Grad earns doctorate through ‘one-of-a-kind’ business program – PVAMU Home - Prairie View A&M University](https://news.google.com/rss/articles/CBMilAFBVV95cUxPQ2xmb3dxbWZqX2JjcGt2a0xrTTBmZ1R0OHZrN0dlVHVFZXYwSERzNGJydmtfLWswZkc0TGVLM2Z2UnZEckc5RnF2Q2wwMEo3Rl80Q21DMFdiNUVEV3lZeGdsZDh6X2c1RzhPMUJkdHNoUkFyOHh0RVpqUVo3Qm5LeXdkc2RjekpQUkowbVpnOEVxU2Fi?oc=5) · Prairie View A&M University - 2025-12-10 [Full Bowl Season schedule and commentary teams announced for ESPN’s extensive postseason presentation - ESPN Press Room](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPcmhXLU8tejRLN3lZT05xTlBGOVZETUI2N0M3bXczMWVaWUFDdVdTYW1ITkFodGl0V0RKSGwtMldhbmlvaUhlSU5MSzlYTXU0ZnJrRTkzNDNEeWFCTFY4ZUtwemNGanJpNU9BeGk4dHlYR2xBcHFMQkVLLXFtQU1fWXc3bEgtT1dael9oaEF1ZjdTc3hmWEI1cGotdm00RklIY3Jrb0NwY1dZZENaSEFYYVA5UWpSWEJlVV84ZWJISU12SkNYbjR3UmUyYl92ZmM3ZWNZTWl0a2U?oc=5) · ESPN Press Room - 2025-11-07 [ECU Foundation awards 162 Pocket Change Grants to Texas Panhandle teachers - Amarillo Globe-News](https://news.google.com/rss/articles/CBMivAFBVV95cUxNT3lFZnEzd3d4WDMxTHAzd2hMbjdZMlE5YXI2TmY3bUV3ZTN5MUdqWWdLRlVzckRpX0p4dGo2NlZxYXY5SjU5OUhHbXlwMXhnaUpMNG9rR2hXdjhHQUlKUFd1UGxzNldPTWNVcjE4VFZmcEdjYnhDd0dCY1lSRkNxS0I4VVljOU5ybzJBT0VJbk00X0Zud1VXbXVlYk1CUmFTbzdTd2hEeGViY3dqTWU1QUJ0UjBETWVGUDdrSQ?oc=5) · Amarillo Globe-News - 2025-12-07 [Final Bowl Projections and College Football Playoff Matchups Updated - College Football News](https://news.google.com/rss/articles/CBMiugFBVV95cUxPVlJCR1IxaWxaR0Z4M3VnZVJlWDZMUWI2cDlvQmRQRU9oMkFYbHFyT2hNN252QUNVWTl4bUhXWjl0ejhBdThhZ211Ql9zZTNYLUh1bEl5Y2RqT3IzSHhzOVpxQTh0VklvRTZCMUdpeno1c0ZKRndkUU1vZno4Tm9rY1Q2MDVzMUdHZTRHcEQtWnRSV0tzNXhraWxyUklZWGFkWVVieGNkanhLZ1kwMjNnczFONmN5eWYtbXc?oc=5) · College Football News ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=2077 (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/29.json (key "2077", 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=2077 - 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide