# ONE SOURCE
EL PASO, TX · NCUA charter 2115 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/one-source-2115

Who the members are: federal charter, multiple common bond, organized 1937, low-income designated. 10,823 members of 1,131,028 potential (1.0% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 35.

**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 | $125.1M |
| Members | 10,823 (1.2% YoY) |
| Full-time staff | 33 |
| Net worth | $13.0M |
| Net worth ratio | 10.3% (p31 of band) |
| ROA (annualized) | -0.27% (p6 of band) |
| Total delinquency | 0.37% (p29 of band) |
| Net charge-offs (annualized) | 1.55% (p96 of band) |
| Loans / shares | 65% (p40 of band) |
| Cash / assets | 29.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.70% (p52 of band) |
| Operating expense / assets | 4.44% (p77 of band) |
| Vehicles % of loans | 73% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 276% (p94 of band) |
| Vehicle delinquency | 0.34% (p33 of band) |
| Vehicle NCO | 1.98% (p90 of band) |
| Repossessed % of vehicle book | 0.05% (p73 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 21% |
| Average share balance | $5,131 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $994,904 |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $19,051 |
| Loans granted, annualized | $16.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $994,904 outstanding purchased (7.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-03-09 [Corpus Christi executive leaders spearhead local women’s heart health movement - www.heart.org](https://news.google.com/rss/articles/CBMitgFBVV95cUxPem9mS3NhcmJXSFNJeFp2OEl6VXYzYU9fem5EZDJXYTJlTTd5Rkx3NkJPbTludUc3Vy0yR2JWcUhFTDBPZUlfNHZEV2hrVkVZSDIxV1VPTm96T1UybURUTHZKRG42VzAtNTBsSThTS0hqRDh5alJUWWs5MEFBYW1DWmFYRFJ0RmlDb01QaE4yT0IwRGhUbk9ya2xHTHY5dGZWMTJtbkZqbERmSzB4VThBUmVreG5PQQ?oc=5) · www.heart.org
- 2025-10-03 [Resources, information available for those affected by government shutdown - KTSM 9 News](https://news.google.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?oc=5) · KTSM 9 News
- 2023-08-23 [MOCA Financial adds Alliance Credit Union to its Growing List of Clients - Business Wire](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQWEFUVmszaHJvM2RDMEl1azhJRy0xc1NWQ1BIM09aX0tiMHZ5Y21FdE1tNjNGV08zQkY0YUpxOVRZQkk1SDQyNWVHelVyOWJLc2gtRjBsaEZCQVl0TmxmQnlFRk9NRG9IdFJhdnlqeVN0czVmVVhCNnpUSFlQYzF0U2tERXJlWjNkYVVYc2llVXhoTW5nZndYdUhsbWlqNzFwR1ZSR0V0R1VVOUt1SjFTMktxM1RPMTNvRUhTMjFyM3pDRnRSaXFKQQ?oc=5) · Business Wire
- 2021-06-11 [Robert Poissant Obituary - El Paso, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOb3Y2TGRLTXBzOXdmZUZwbzhQYjAzWjlfTl9oT0dTU1ViN1NPN2EtY1JRUldDSVZXMGtIa0pjU1dNd1FUb0k4QmFTQV9DNUg3Q2l6V2M1TDZLZmNTY0tpSzNYZFd4akZwUXNwLW83N1pKb0lsZ2V4OHJoLWNOblRtUEtTSFI?oc=5) · Dignity Memorial
- 2021-10-20 [GECU bans class action lawsuits and blocks its credit union members' access to courts - El Paso Times](https://news.google.com/rss/articles/CBMivwFBVV95cUxNU0lFN3hNb09FczUtX3RTVTRGVDlSck0yMVp1ZktjU1ZEelBIRnlsNVpMSEFIeEJSbFJiSnlCN3B1LVY0Zlg1ZkxvRDY4WWJmOUFxRzlreW1ESFRXZE41VEs1MUlkQkhrczRqMjJ5NmVmNEQwSFhGSWdtV2hnTFdQenhPRWNNTW92Um9uNzFZTlVBbjN4ZEZITm5OdmZnSnFCSDRManFuYTNsdVFMU2wxNE1DZjRGUkpQZF9ZZWZOVQ?oc=5) · El Paso Times
- 2025-10-29 [El Paso events: Halloween fun mixes with Día de los Muertos, Winefest - El Paso Matters](https://news.google.com/rss/articles/CBMixAFBVV95cUxQVzE2OXdRRzhEVVhtVW0xdjhlNGt3b3JYNTROemoxaHJqYjVBbDdzRVZxMF9RSml1eGROQ1RoQmo2LTBLLUNCTUJwR0FTcGU0QzR6ZkVKSkV5THVHZnJ0TnpoRXRUZ1h6eEd0Vl9YYU1tTnFvdFFLUl92VmFFbEJwdkk1WkNmMXB1V1NEcm9YUC10TUpvRzA2aHRlLXhnT1RhZVA2N3NPWmd4LXJqbENZYWtoTnhlWEFhRFdETFEtWEo2RDVm?oc=5) · El Paso Matters
- 2022-01-04 [11 accused of organizing fraud scheme targeting Randolph-Brooks Federal Credit Union ATMs - WOAI](https://news.google.com/rss/articles/CBMioAJBVV95cUxNOGczVUhGd3Mta3BMZmhFLTJhOElXMUxMRjA4Y1FQc0djMnFHRUM1TEJLWHFqdEVrT1pqSFZCczg1cDRqQ3BPMzZaWkd5MzlLUWJUaTJZdlB0LXhsVTBTZlAwd2FxbmEyT1Q4bENCS3lWS1g2Z3F4Q0xoOWRUVDlHVFdIZkZvd2dpdWdvOXlfRTJreExjUlAzTXlDM2NmcDlwMWE1MVdCV3FaSnZkUGJLNVlHSHVIcXdKcHlSbWdpVkxjY2s4SE84WVMyS0FDUkYxRHEzU0l0dENTVEZCTlBWT2VOT2M1QUJfajFPYTVraHkzbTVlQ0hPS2h4ZUh0eFdsU3NHdVRHTFZDd092VTF2MlhaeG4xTkZHMkFKcUQ0aGc?oc=5) · WOAI
- 2022-04-24 [UNLV finalizing coaching staff with former Texas Tech assistant - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMiygFBVV95cUxQb1pZYmlGbkl1ZV9qbkV1OHVsZEtfWk9vSDc2c19wblpGM2VrZUUwa0dpajg1NThwVElsVDZkc0hoaG9aT0tzbGVmZEIzTDRfVmdaeWwxV1lMV2RtMnFreldGTXZVcmdyWEF4OHlodmpFWjMxckpKOVBFYlJaSzQzdXFucGg4amFQZDBNcVV0MXMzcFlfdVBsZFRTeFptTFpQcFRUZTFzbmk3X2ZPOVA1YjE4LVFyX21kN045WkY0bWYycjdYcmJPZlJ3?oc=5) · Las Vegas Review-Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2115 (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/3.json (key "2115", 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=2115
- 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