# BORDER
Del Rio, TX · NCUA charter 24304 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/border-24304

Who the members are: federal charter, community charter, organized 1986, low-income designated, minority depository institution. 27,636 members of 193,058 potential (14.3% of the field); checking penetration 83% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $268.6M |
| Members | 27,636 (0.4% YoY) |
| Full-time staff | 106 |
| Net worth | $46.8M |
| Net worth ratio | 17.4% (p96 of band) |
| ROA (annualized) | 1.23% (p82 of band) |
| Total delinquency | 0.67% (p57 of band) |
| Net charge-offs (annualized) | 0.51% (p63 of band) |
| Loans / shares | 78% (p58 of band) |
| Cash / assets | 13.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.40% (p90 of band) |
| Operating expense / assets | 5.80% (p99 of band) |
| Vehicles % of loans | 51% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.81% (p67 of band) |
| Vehicle NCO | 0.50% (p43 of band) |
| Repossessed % of vehicle book | 0.11% (p74 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 12% |
| Average share balance | $3,501 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $10,521 |
| Loans granted, annualized | $66.2M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 3 | repo signal |  |
| 2016-12 | 2 |  | delinquency 2x band |
| 2017-03 | 2 | delinquency 2x band | repo signal |
| 2017-06 | 4 | net worth falling, losing money, charge-offs p90 | delinquency 2x band |
| 2017-09 | 1 |  | net worth falling, losing money, charge-offs p90 |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | members leaving |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze | members leaving |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 3 | net worth falling |  |
| 2023-12 | 1 |  | delinquency rising, net worth falling |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

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

- 2026-08-08 [Three Credit Union Leaders Honored At DCUC Hall Of Honor Gala - cutoday.info](https://news.google.com/rss/articles/CBMinwFBVV95cUxQa1Rqd3dvNTZWQi0taENLdVJtT3A5dE05TjRaUFpVM0tmVG02RmpBVWRkRDk0WDVQc3YxSC13QUxiZ0NmLUxWOUxTQ1BuQ0tZUExZQVJDM3NoY0c2b0taeEIwUW45V081YkNrb3p1azI5N3hKcm9vdjJnUG1hSHFIMHAtb3lrcFdCVC1xTF9KaXdIaDNjcFBTYUZreWdEVHM?oc=5) · cutoday.info
- 2026-03-23 [Border Report Live: Plans for border wall in Texas’ Big Bend draw opposition - KTSM 9 News](https://news.google.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?oc=5) · KTSM 9 News
- 2026-02-12 [FBI Arrests Round Rock Man in Austin Telco FCU Robbery Case - Texas Border Business](https://news.google.com/rss/articles/CBMilwFBVV95cUxNMy1YUjJJWlZXaF93c1habWU4Ukk2UDRsN3hNNnItNWRBNTVUbFl4ZW1aWkQ5eVhvTU00eU1NaEt5VFdQUGdQZXVaNWxlZk9qejFGenNQeVBtRFFmWnR0eWwxTmVxeUdjb2l3Ul9tX3BUZzd4YWRoX0lIdjlUbHlrbXhqbkNUcl9JakYwdjk1dDE5Q1llVjVF?oc=5) · Texas Border Business
- 2026-01-22 [Border Patrol detains 10-year-old Spokane girl and her dad, sends them to Texas detention center - Idaho State Journal](https://news.google.com/rss/articles/CBMigwJBVV95cUxOYzI3aDdoWnY0bmZBSGdXZDNLS09HWWpYUEZkZkNZeXBlWmdTb3pBMVFPcjJja2ltUDFybXJuUUJ6NFU0WEg2SWV1UVFacWoxeWNWRmUxcjhvN2xwd3Z0blVxSDQ1VlJoa0pQUHlLX21wUVBrR0pHbW1fU1BMQUtBdzFvcXRXckZYUU5DYnpzYkFBVTdVSHZnNFRSZVpTLVg3cV8wcE5NeU5EMVd3MFZfR09vemNUYnRMVFhmSGVXT2hmb1dnT3JmVkVDMmJ6VDNaNWM3Q0hRd1BMMWVkZzVHMkJUb3NGU3JpN1UwcUlDc00tY2ZEMl9lVzJNOTgxRTJHN21V?oc=5) · Idaho State Journal
- 2025-10-01 [The federal government has shut down. Here’s what it means for Texas - The Texas Tribune](https://news.google.com/rss/articles/CBMioAFBVV95cUxON19SVlhhdjg1OWR1Q3pVV255TWlQa2JibV82eUZHRlpJVkJsQ1MwLVE3Tno1U3RseFdWQVJ6M2xRZkdEamZQRVo5REFMV3FKdTZLMUNadEdqc3pFeE95c0stRnFETjJsLVlEUml0dlh1VEI4R2dGZHZqTnBJYl9KWEF6NzVvN0ZMeFZFX1daTmh1MlMzYUt0c0MtZmhnaUZ4?oc=5) · The Texas Tribune
- 2026-02-18 [Troutman Pepper Locke Weekly Consumer Financial Services Newsletter – February 18, 2026 - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPUExOOWVkYWxmODJERVdlUlpCOFhXdDFmTXVWdW54TnFhOWZvNUdBWERLVnd3aXR5aFNwaHk1QnVSZVREVzkybjhoemhPYTNhVkZQdFFlelJmS19vQV9ZNWxVVE9SN05mVEtaVDV0b1ZvNHRXazI0TmFLX1c1TFVkNnUxVExBbnFCVWZwLTA0NTJFS3BjRWk5TWRGa3JHRTFxa2JfSm11WC1OdEtEWHZ5Mzc0V1NXSC1mVW5HUUtjTlJ2bGpQOEIwUzlmcGF2dXNoMHFzTnVLeVM3RXBlOXc?oc=5) · Consumer Financial Services Law Monitor
- 2023-04-11 [The Forgotten Credit Union That Served Thousands of Unbanked El Pasoans - Next City](https://news.google.com/rss/articles/CBMiowFBVV95cUxPX1JzSWhSU0dyUlJvT1lYemJsUTRzQWhwcFJqQUxXN3Z1SWtEOUIzVXpqZ3BOZ0FNQnFxNUFQQ21QZDVzLUhLQUc1b2RjaFAyNy0xVEFoWG95cHdIMXZ1NWM2U2ZKUEpvYXhCTnVaNFVDbDZBSzg2dWljc0Yyekt4XzJDQjZnVHJnRm1JS3RRVmlJVFJ1dHFRLUo5bW9RT0RsOEJJ?oc=5) · Next City
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24304 (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/48.json (key "24304", 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=24304
- 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