# DOMINO
Texarkana, TX · NCUA charter 21383 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/domino-21383

Who the members are: federal charter, community charter, organized 1973, low-income designated. 5,189 members of 80,000 potential (6.5% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 69.

**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 | $85.6M |
| Members | 5,189 (-0.8% YoY) |
| Full-time staff | 21 |
| Net worth | $14.8M |
| Net worth ratio | 17.3% (p83 of band) |
| ROA (annualized) | 2.03% (p95 of band) |
| Total delinquency | 0.06% (p7 of band) |
| Net charge-offs (annualized) | 0.13% (p36 of band) |
| Loans / shares | 51% (p33 of band) |
| Cash / assets | 49.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.94% (p65 of band) |
| Operating expense / assets | 3.87% (p62 of band) |
| Vehicles % of loans | 49% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 17% (p67 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.32% (p56 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 33% |
| Average share balance | $6,942 |
| Participations bought / yr | $4.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $2.6M |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $10,184 |
| Loans granted, annualized | $18.0M |

## Participation posture (from the same filings)

Bought $4.3M and sold $0 in the latest annualized quarter; $2.6M outstanding purchased (17.4% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 1.6% 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 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 1 | delinquency rising | net worth falling |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | members leaving |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 1 |  | members leaving |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency 2x band |  |
| 2022-06 | 3 | net worth falling, delinquency rising |  |
| 2022-09 | 0 |  | delinquency 2x band, net worth falling, delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-05-14 [Stan Roberson Obituary (2026) - Texarkana, AR - Chapelwood Funeral Home - Nash - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPZXY3T1QzaU1kNy1Pdl9WQm5mdFRvSndxRFMxdEdzbzFHQjE0Rkh2UWZrU3k5YUtNRTc3bWY2bTZEWV8tR2Q0eFpGMnB1OGQ5R2RKYXN2eVh4LUtCZ09UVVZtLTlxXzZobE82S2haTHJDU1VnTnZDcGtDS044VkRnZ1h3?oc=5) · legacy.com
- 2022-01-22 [Former credit union adjacent Texas High has been added to school district's footprint - Texarkana Gazette](https://news.google.com/rss/articles/CBMioAFBVV95cUxPZmduaW1fakNTWkpYcDNrdnNla3FjdktQbjNUbFlMUktwNFI3NE9tWkk5YkNMYU1LdWVKbElGeXRrQzJfcWtsSlNuVjlJQjNxdDVyZFFiTjFPc3dwazg1WUdOSGxpOE1mNDlXMTBWRkpLQ09PU3ltMWc4alYweGZtYVZQRVpHTWxSOXphdWs4cDJkcy1LR2stQ2w2bkxmQ2FW?oc=5) · Texarkana Gazette
- 2026-04-28 [Vehicle Fire On Jefferson Ave. In Texarkana Sparks Quick Response From Emergency Crews - Kicker 102.5](https://news.google.com/rss/articles/CBMiUkFVX3lxTE1JR1YwMzkxd1pVS2hOSnRzdXJOYzBDR1JNeU5lSjlrVW1iMXZGbG1nNDlNVzhYNnRMUWdDa3YyZWJ0ZS14Z296TFBjdjFObTBBUkE?oc=5) · Kicker 102.5
- 2024-09-11 [IEA Camp Bright Star celebrates - theexaminer.com](https://news.google.com/rss/articles/CBMickFVX3lxTFBVNGVDd0Fib0Z3MnB2SEg1aVhBcXNxRVZ6RUp5TVRBenJpbFNGWFBMbUF0UTZLWnRreXh3dzMxek5VQWtzXzJ6bFFnRDQwQ0JncndDSlNleHNONDZNcF8tR0VJeFVkZFhiaTNSNDFyQ0llQQ?oc=5) · theexaminer.com
- 2021-12-03 [Domino’s Pizza Employee Background Check Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMizAFBVV95cUxPMDF3SG02bnBKbHFncHZUdnRKeXJsOXZ3dGRncjRuYnpJNW80TEw2WGtzUEFZTlhUdDUyQUVTSTlnbWxfSzlyNjV0bGpzRi1aVy1JWnNRNVp0d2xTTlJISmNNUlhGbE5aOHlYZ1RGcDVmb1FRR3pBdDY5T1kyb0NNNHEwbUJ2MUVqcFpFeHZYYUZ3T1MwV0JKZS1UWmJaOTA2dHdZc1lBeGtqSVFKY0VQbWJyQWNqcGt0eTRHY2VGNTJ2UW95eVZsRDE2bWI?oc=5) · Top Class Actions
- 2018-07-03 [Domino’s is back - Orange Leader](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1SUGxjYThpdlVadlg2WjJkd1dTWHRDXy1xc2Y5LU1ESHhPOEFwdUFja3VkdllIa1RqWXF5M1BRQVVJaGhGYUVUU1NSb1FTYlctTFdfV3JiR3dDN2VfSzZoa2xB?oc=5) · Orange Leader
- 2018-12-10 [Thomas DuPree Obituary - Texarkana, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxQSDVfVnd6Tm9vaWZDOEhjanlTODBTSG9kZGhESTVucHprS1VkT3dwLWdyTGNXVmJEOExrUnJJRnJ1dkYzLWhwdkNMQU1YejFHVld3NDVHQXdmbmp1VVZmdldDYnNnRENSVkRyaDUwb0dRQWYyUXQtc1lpMlViTkR2bTlxaw?oc=5) · Dignity Memorial
- 2019-03-20 [Feds accuse three of identity theft, filing false tax returns, money laundering - Texarkana Today](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQeUN6WnpHT0YwdmVKMkRCcFJZeGtKT25KbGdyV1FvM19pVXo5b1V0c1BPZ0MwZWNBRFhDQ1NSczVwZ3puUnhsLTRJTEdSZTVSMmJXQzNIbi1ySFF5Z3l3LU1FMTNObVM2UGxpSTBQcG55ZVc0SHNYY2t4eE5uNUtocVE4SnY4M2pCd0dodjNsbUJGVGwwSGNVNEwwSk5MdnB0QkJQRnh4YlI?oc=5) · Texarkana Today

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21383 (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/7.json (key "21383", 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=21383
- 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