# BAYOU CITY
HOUSTON, TX · NCUA charter 23582 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bayou-city-23582

Who the members are: federal charter, service (single sponsor), organized 1980, low-income designated. 2,219 members of 125,000 potential (1.8% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 152.

**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 | $23.8M |
| Members | 2,219 (-5.4% YoY) |
| Full-time staff | 8 |
| Net worth | $2.4M |
| Net worth ratio | 10.1% (p17 of band) |
| ROA (annualized) | 0.23% (p34 of band) |
| Total delinquency | 0.94% (p61 of band) |
| Net charge-offs (annualized) | 1.07% (p87 of band) |
| Loans / shares | 39% (p23 of band) |
| Cash / assets | 61.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.65% (p78 of band) |
| Operating expense / assets | 5.51% (p85 of band) |
| Vehicles % of loans | 78% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 14% (p91 of band) |
| Vehicle delinquency | 0.68% (p57 of band) |
| Vehicle NCO | 0.17% (p74 of band) |
| Repossessed % of vehicle book | 0.71% (p98 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 21% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 8% |
| Average share balance | $5,119 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $936,559 |
| Loans outstanding per 100 members | 152% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $2,467 |
| Loans granted, annualized | $1.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $936,559 outstanding purchased (38.9% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares -5.1% year over year.

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-04-16 [Hoyeau Earns University Credit Union WAC Men’s Golfer of the Week Honors - Abilene Christian Athletics](https://news.google.com/rss/articles/CBMiugFBVV95cUxQS1JiU2MwWXZLQmw2U1hrZmFqTVZ2RTEzd0t1VTQ2T2Y4VEhDSko0M2NuaFdMY0x5YlpOZy1iakdGT1h4dmQ4d3VobWliVk5feDctRjdpYk10OGRWYkluMUxEZUJlS2RHQ1J1STFWVUQ5THdRNk5lOUQzZ1pVN0hIdUtfSFBOWmxpbjVWSGFDRU1NNVBreVY3TE51b1dzRXF3Y3hfbktNZU1ObThPWUdRMlE2eUstZ1NUbUE?oc=5) · Abilene Christian Athletics
- 2017-11-09 [Exclusive: Largest US credit union plans first brick-and-mortar in Houston - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNd0x2cW1NUGQ4NGx1elE1UmE2Q2RzZVk3c2NxbE4tSTNCRV9ya3NESms3RmRKcE5fRl82VHlOMXhRUEF1U0tWbFRuQWxVMmswTWFNSGkxejAxV3p0V1RndnBzNlpPU0h2Y1BnWnRHdjMxSjZmNTBXY21yTTFUOGppNGpuVnc3Q1hUZkZCbXhWNktDX0ZrUFlWSDFJZFhwSDNFZmU5ZnpB?oc=5) · The Business Journals
- 2024-03-18 [Here are 7 sources of funding if you plan to start a small business this year - Houston Landing](https://news.google.com/rss/articles/CBMirgFBVV95cUxQQk40dHNESk5tazZYU3VSdTJON3ZKeGV0Yk4zOUpzek9nN200aER6Z2QtaTZuQmx0MjN3ajJXVUhpRWMxTzVNREZaQnZJT3VoSGo5ZWFPem5DUVE1ZFNwbXpxbWRCZ2l1Q3dQSzZBOG9QdndvejdMYXhtTlpiOXltRUlfYkMtWnhQWmZhYlZZZnN2Q1lUeE5RdGxXWnN3R25vaWJ5eUFfUWFEU3UwSVE?oc=5) · Houston Landing
- 2023-04-27 [Magnolia Village signs credit union, F45 fitness as opening nears - Houston Chronicle](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNdUFySjcwSmxnMm9NRm9ZWUFBRXVtY2VxMm5TM2NONjU0M1RNUmtfMG9LdlVXS2tQcWJvUjBjbDhTUUh3QVRrR3JfVVVHeFRadUxtdThoMVl1QkhiVU85U0ZSTWtGS3NYdjhwMjB4WnFtRWlINmJXbk1mY1NVVW5qa2RvR2l1TEVJck1XUG1Sb0NKemZrUEREcms4Z0o2S0VxaFpXRnU2X3A2M204aWc3UEotQkN3bW1EUS1rZnUyNTczUQ?oc=5) · Houston Chronicle
- 2024-04-08 [13 Marketing Agencies in Houston Meeting the Demands of the Digital Age - Built In](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5YVjhISjMwMHpobXZvbHp2aGdxV0ZJNFNETVdlN1Q3WTJiRVdsUnFKZlZPUnBXUWxFZ3RMWlNYcURnTlFpWXFoSjdjaGdyZmxraXpCN2pXU0hzNGlSRlA5SzJqSQ?oc=5) · Built In
- 2021-08-06 [Cy-Fair school notebook: Teacher’s painting to be featured in lunar time capsule - Houston Chronicle](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQOVR0QWo0U2F3b0k4aWVKajIzSmM4SmVveURBMFRjWlBJTml3dUt2Rm0tcE5zaUxmeWdadzJOMG9KUFFOc0JCdDVfTkVjczk4QnltUDNrTms3Wnl5N2g0cDl0bDZIOV9MYkM4el93UnVZNmJLZUo5RUxOMDBhd3VRT0FPaW9ITC1xc01DQmJmMzVQNHdTMzR0Ymd1SjJ6b1pOeEdnOUVOMnRPTjlUWUM0eHhrQnRfb1JXazBF?oc=5) · Houston Chronicle

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23582 (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/30.json (key "23582", 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=23582
- 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