# ADVANCIAL
Dallas, TX · NCUA charter 2285 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/advancial-2285

Who the members are: federal charter, multiple common bond, organized 1937, low-income designated. 141,745 members of 2,635,868 potential (5.4% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 62.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.39B |
| Members | 141,745 (5.8% YoY) |
| Full-time staff | 308 |
| Net worth | $189.4M |
| Net worth ratio | 7.9% (p3 of band) |
| ROA (annualized) | 0.22% (p10 of band) |
| Total delinquency | 1.13% (p84 of band) |
| Net charge-offs (annualized) | 0.81% (p77 of band) |
| Loans / shares | 104% (p96 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 8.96% |
| Net interest margin | 2.97% (p26 of band) |
| Operating expense / assets | 3.32% (p56 of band) |
| Vehicles % of loans | 43% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 69% |
| Third-party paper % of net worth | 464% (p97 of band) |
| Vehicle delinquency | 0.92% (p73 of band) |
| Vehicle NCO | 0.78% (p37 of band) |
| Repossessed % of vehicle book | 0.05% (p41 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 46% |
| Average share balance | $8,290 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $23,224 |
| Loans granted, annualized | $801.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $9.8M sold and retained. Sold in 7 and bought in 0 of the last 8 quarters. Shares 0.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 5 | net worth falling |  |
| 2018-03 | 4 |  | loans>95% of shares |
| 2018-06 | 4 | loans>95% of shares | net worth falling |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 2 |  | leaning on borrowings, loans>95% of shares |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | loans>95% of shares |  |
| 2019-12 | 1 |  | thin capital, loans>95% of shares |
| 2020-03 | 2 | thin capital |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 3 | delinquency 2x band |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 4 | charge-offs p90 |  |
| 2021-12 | 5 | net worth falling |  |
| 2022-03 | 5 | margin squeeze | charge-offs p90 |
| 2022-06 | 3 |  | net worth falling, margin squeeze |
| 2022-09 | 3 | loans>95% of shares | delinquency 2x band |
| 2022-12 | 4 | leaning on borrowings |  |
| 2023-03 | 5 | net worth falling |  |
| 2023-06 | 6 | delinquency 2x band |  |
| 2023-09 | 5 |  | delinquency 2x band |
| 2023-12 | 5 |  |  |
| 2024-03 | 7 | delinquency 2x band, delinquency rising |  |
| 2024-06 | 6 | losing money | delinquency 2x band, delinquency rising |
| 2024-09 | 6 |  |  |
| 2024-12 | 6 |  |  |
| 2025-03 | 5 |  | net worth falling |
| 2025-06 | 4 |  | losing money |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |

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

- 2025-04-22 [Finding Fee Free Checking Accounts - coveringkaty.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNNFpUak8tMEh6LU5DcW1WbGdnUFNpcnhybGV3RWVpT0dFbnV5RF9yRHNZMWRraWdKLXM0YVFNTk1ncTJJLW9PVUdDYUktTUlVZjBoN2UwOTV2WHdsZFp6eW5sSWoyc0NNNlB6MEg4MUdwNWRkZnZGRWl0OTZ4bndGd0F6TENOVFk1S2dNallQR2Qyd25DTkNPdHNRZw?oc=5) · coveringkaty.com
- 2025-06-16 [CUSG celebrates winners of 2025 Tax Time Sweepstakes: Rewarding credit union members with cash prizes and exclusive discounts - CUInsight](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNY3M5R1djM0t5MWlVcENsN2F0YWFsbFpEYmlHVHRsRGdTaUZoVWlYcEdGaEg4czRuVUo1cXpqOHlmR01Yc0p6RjRCWWx2N1NVcS1ubEN0aTUzakphdXlfdDhoMHRENU5XUFMzTDVzdlBWUnM0YXJXd0lKM0c1VkRKVG1GV2NsT1BsV1k3RWhGZlBaNkJLNjB5ZTdNclRBQnB1UktsdHZ5OHpZb2VxRFJQSWlKRmRNZS1pSVp5S0tnazF4R0lnUFQ0OFdHeEp1RGxTZGFSNmFaV09sNEJaZ3BkNkdfY1BfNjhER2hURmhwWHFxal9GeE9Ebw?oc=5) · CUInsight
- 2026-09-02 [The best credit unions near Houston - Chron](https://news.google.com/rss/articles/CBMiakFVX3lxTFByd3FwR2MyYUVxZW9EdktCYWRyR3lKWjlCRTBzcXlnSUN2NUYxYzNaTmZqMEdPWThnY3dHblpUTUw5STJKU05idWEyREpoOVJrSXg3MmRuay1MeUI2N3lJLVRvT21hbkpFdWc?oc=5) · Chron
- 2025-09-09 [Texas Trust Credit Union expands to Fort Worth with merger - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxORUN3bVpIa0J1cFNVRUplaTVEZXd5NF9UZldvODRPZ2xzQ2lTb1prNjBubHc0WnhybkswQ0VyajBVcEd6Z1NYVW12U3RwU1pyQWtidVp2WUZjMmgwT3c2NDFiZk1VWEtUTE9CVmlpRkh0d1o2MVBYNVVjVEJLXy1xMWJlSldwREZycDBxTzhkVkh1WDUybW9EemNZX0lvckE?oc=5) · The Business Journals
- 2019-03-07 [First United JV Buys Advancial Tower for HQ - Connect CRE](https://news.google.com/rss/articles/CBMihgFBVV95cUxPSU9qLUxkTFZwSlpTMm8zazNqQjF0dDVKbFhCWVFhSWtDQVlxVGlpWWd3NVpIemNfVklZeEFkSXNYeGhmTE9TUmxnTWk1N1RRbnZzZ2ROZzEtRXJaNUg3ZVFEa2p4STVsRFNoN1FvV19XZ3ExcnA2TUJIeW1nV2RFUFZUSjktZw?oc=5) · Connect CRE
- 2021-01-29 [DC Partners unveils tenants at San Felipe project - Houston Chronicle](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNU0NXVmR6VUE5OVpJVVA4RHFHMk9yQ2JneTZqTVdHOU9GRi1KZ2VCQUFLbWJfcUpQMWdOb25taFY5Y253ZmNDVUQ5THRnOGdoV3NSUDVJRGprdlNUWFcyakRxdDFJbkJiNTBYcDhObHdWWml3NnFERG5TeHpnLXZoQkNrUGRQUkFESUtwNm84cE9rMkpLRmtvQ3Nycld1U1FPZmNoekVxN1NaYmc3UG50dnhYcnNQRkE5ZEJQNHJCNTI0Zw?oc=5) · Houston Chronicle
- 2021-10-13 [David Peavy Obituary (2008) - Dallas News](https://news.google.com/rss/articles/CBMinwFBVV95cUxOTXZuNUhNSjVDUk1SVG5ka0sydV9xMnU2SmJQRDNGUW9TdVo1c2tCRWpzazRWaUE4VHMtODVoZ0dmTnEyMGludDNGZFB0WDgweGpzYzB2SWlnN1ZGMFZFTFZOb1dKVWp3a2FwSF9mMzdIWG1pcUg0VWtPRU80QzlPZDR4WUlGNmF5SXl2WEs0M0RvbFBxc0c0UzZ2R3pZaXc?oc=5) · Dallas News
- 2018-04-26 [Billie Jones Obituary - Dallas, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE8zRENHU2d3eVRTa21uZ2JuNlpxWWduSmhHUW5obndXdi02eTZSck1Sa1g1cVk1X0pVelVLVHFuWjhJTHZQbkVzNnYxSzJqWU1YWmptZGpiWWpSc0RVM3Q5YUREUHpEbUhBeHBhTl9oWEQzTDlCX1V3N1E5VlZTQQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2285 (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/45.json (key "2285", 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=2285
- 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