# HOUSTON POLICE
Houston, TX · NCUA charter 2357 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/houston-police-2357

Who the members are: federal charter, service (single sponsor), organized 1937. 33,086 members of 49,629 potential (66.7% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 85.

**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 | $999.5M |
| Members | 33,086 (4.6% YoY) |
| Full-time staff | 85 |
| Net worth | $163.7M |
| Net worth ratio | 16.4% (p96 of band) |
| ROA (annualized) | 1.04% (p75 of band) |
| Total delinquency | 0.50% (p42 of band) |
| Net charge-offs (annualized) | 0.96% (p85 of band) |
| Loans / shares | 55% (p7 of band) |
| Cash / assets | 11.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.89% (p16 of band) |
| Operating expense / assets | 2.26% (p8 of band) |
| Vehicles % of loans | 44% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.21% (p14 of band) |
| Vehicle NCO | 0.70% (p40 of band) |
| Repossessed % of vehicle book | 0.14% (p73 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 28% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 31% |
| Average share balance | $13,603 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 85% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $16,841 |
| Loans granted, annualized | $157.3M |

## 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 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | charge-offs p90 | margin squeeze |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | delinquency rising, assets shrinking |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-01-13 [Man accused in City of South Houston kidnapping, sexual assault also charged in UH campus robbery, police say - ABC13 Houston](https://news.google.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?oc=5) · ABC13 Houston
- 2026-01-07 [Man robs TDECU bank inside UH Student Center, university officials say - KHOU](https://news.google.com/rss/articles/CBMitwFBVV95cUxOMmdFbnF5TVNaSWdNV09CQlFyNkhZOGJrcWxpd09xNnlUSU1KZTAzX2VSNTRkNlVTMW5hNkdXSmdLRXZQT2U1RUJRQW1taGxxMXBIbUlwdWd3bmNsTER6RlgtQVFlSV9yTS02Z19ORHQ3MTlrdldnSm80V2J0TnA0VEhNek9xZTNQVjdHRVA0SEsyUjR4ZFFIMUFtd1VBbXJIR3AtUHNjdGZndV9fMVh1eEdTYVpLMlE?oc=5) · KHOU
- 2025-10-29 [Armed suspect wanted for robbing University of Houston's TDECU credit union office inside Student Center South, police say - ABC13 Houston](https://news.google.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?oc=5) · ABC13 Houston
- 2016-01-21 [Ex-Houston Police Credit Union Embezzled More Than $1.2M - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMingFBVV95cUxPNU1pdmtPRFNHZVl6QV9hcHktWlY4cHRCYmgzeWVNalNaTEpGNWNraHV6cGdrMW9hb3kzNkc4T0Z1TGhYakkyZllwbTVnaE90MnYwY0tMaTVaZGU0dDVMSHY4cm9XY2ZGMVFxdVpvZ3RDYmNnVTN3MnJPRkRRMENmeEowV3lZS19PSDdDZ2I1SlhwRXlheThYX0lYX0xPd9IBpgFBVV95cUxPMFAwVURoNmdKaUZETUVULUhNWDlDSWtuMTV1a2w0d3pweGc1cGlkY29qMzZaTnlHanduWDZaTGVoR1ptMHZsRzlETE1jcE5veTV1THFpS0R4SzN2UmM1cDJFWndEYzA3TE4wa01NcV9DZFM4UGM0VVhOUm50N3J1Z05pdkVFN1JfNHp3cEhpUFQzQWVjM0c1ajVIc1VoWG8zWW8tdGhB?oc=5) · NBC 5 Dallas-Fort Worth
- 2008-07-22 [Texas cops indicted in $200K theft - Police1](https://news.google.com/rss/articles/CBMivAFBVV95cUxONHUyQUw0bkRkUXBXaTFvakZiVld3THQzV0VnY3paMjN5YkpNSmlXN3RoNWhxQTA5Rm5velp2TGlzM2s5MWk0cjFsU01qdUZ1cDdpM2R6ejJCSUJZY1B5MTRjSmFMdjk2bVNnMWRrYjJybVVJYXZPeGxUWkFCYlFVbThrQ3hPOTk3bXVfYXRJV3UtalhWNXRoOGg2Ui1td0pyTG5WNjZnTEk2S0hibDFYaTN2NXYwRXhUb1FqNQ?oc=5) · Police1
- 2018-03-28 [Officer charged with money laundering financed Lamborghini through police credit union - kens5.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQRkFKdTdqbHdQbXBiVERJQV9SZGx5SlE2T1JXZXlZTEhoMGFESnBFdkQ5UnlMTDJyTEx3SV8tcjhLZ3d3Q1lRWTkwVlZwTEJFSGRBdUI4eTJCNWlFOWhBTXFBRGdDTGhxUWlSSnplQnRWU0NXWHFkWktrTHZrVDBDamVFLVlkNVd4blRGakdMUUZHQThiS0FZSTZZLVNxdEd5aXVzT0tDRFNPZ1ZLWVcxdmpmZnFXeDlaN2ROQU9pcWs0NDNTdW83Yk9sY1ZlZU5rREdaaDhmamk?oc=5) · kens5.com
- 2019-04-05 [Houston police found skimmers at more than just gas stations in Jan. and Feb. 2019 - Chron](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPQXB6SW5JdUlqM0ZuSHA5Z0pMNlFUbkxTbl9RYUh3X1U3UzUtNGs3b015bjNqWHotelIzTXRVWVhNY1ZvbHRoYldreHlPZXNEOU1SQndqemdmOXJFZzI1QUZCTzR4ZWt0aktmSV9WaWtnNVhnM0hCcTlKbXpaZktEVG55V0F3QWhYcldtNXJlMFBBZVJjbHBWczdKZVNwb0xFU29UTEJFN3hrSGc1WHZXUzBvM1dKdV9ob0d3?oc=5) · Chron
- 2016-11-01 [The best states for firefighter and first responder credit unions - FireRescue1](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNLXhTeDhURVVTbEFmMVhhVTBXb1lydDNEd21mRnNBcDk0WkFTdFJpb2xjaC1RMDlCT19NWWVzRzVyS0M4VUZPQ1diSTNHOWJKVWQ1Ny01bjF6dVk2dFBCWWJuMFFOOUZHVEdiTmZhU1hiS0Q1YWFmQWg4VnBKbmI0aktUYUFPS3dvWWhRR0xkOHYyUW50YjBsc1M0SlVLTl9IWFkxeU9hcXlXdVJUMEFjMmhoR2tCVHhHOUtiS3MtbEFqT2JQMkQ2Rg?oc=5) · FireRescue1

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2357 (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/53.json (key "2357", 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=2357
- 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