# CREDIT HUMAN
San Antonio, TX · NCUA charter 24382 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-human-24382

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 263,451 members of 1,928,473 potential (13.7% of the field); checking penetration 28% (share draft accounts per 100 members); loans per 100 members 57.

**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 | $4.38B |
| Members | 263,451 (2.7% YoY) |
| Full-time staff | 853 |
| Net worth | $318.5M |
| Net worth ratio | 7.3% (p1 of band) |
| ROA (annualized) | 0.14% (p8 of band) |
| Total delinquency | 1.06% (p82 of band) |
| Net charge-offs (annualized) | 0.69% (p66 of band) |
| Loans / shares | 109% (p98 of band) |
| Cash / assets | 3.5% |
| Borrowings / assets | 8.73% |
| Net interest margin | 3.86% (p85 of band) |
| Operating expense / assets | 3.65% (p74 of band) |
| Vehicles % of loans | 29% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 95% |
| Third-party paper % of net worth | 579% (p99 of band) |
| Vehicle delinquency | 0.38% (p24 of band) |
| Vehicle NCO | 1.14% (p58 of band) |
| Repossessed % of vehicle book | 0.21% (p84 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 20% |
| Core shares % of member funds | 33% |
| Certificates % of member funds | 46% |
| Average share balance | $9,370 |
| Participations bought / yr | $0 |
| Participations sold / yr | $210.6M |
| Participations outstanding | $30.0M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $26,234 |
| Loans granted, annualized | $972.0M |

## Participation posture (from the same filings)

Bought $0 and sold $210.6M in the latest annualized quarter; $30.0M outstanding purchased (9.4% of net worth), $17.3M sold and retained. Sold in 3 and bought in 3 of the last 8 quarters. Shares -1.8% 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 | delinquency 2x band, loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 5 | net worth falling |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 4 |  | net worth falling |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 5 | net worth falling |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 4 |  | net worth falling |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 5 | net worth falling |  |
| 2020-03 | 5 |  |  |
| 2020-06 | 4 |  | delinquency 2x band |
| 2020-09 | 4 |  |  |
| 2020-12 | 5 | delinquency 2x band |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 5 | delinquency rising | net worth falling |
| 2021-09 | 6 | expense trap |  |
| 2021-12 | 5 |  | delinquency rising |
| 2022-03 | 6 | delinquency rising |  |
| 2022-06 | 6 |  |  |
| 2022-09 | 5 |  | delinquency rising |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 7 | net worth falling, losing money |  |
| 2023-09 | 7 |  |  |
| 2023-12 | 8 | thin capital, margin squeeze | expense trap |
| 2024-03 | 8 |  |  |
| 2024-06 | 8 |  |  |
| 2024-09 | 7 |  | margin squeeze |
| 2024-12 | 7 |  |  |
| 2025-03 | 7 |  |  |
| 2025-06 | 6 |  | net worth falling |
| 2025-09 | 5 |  | delinquency 2x band |
| 2025-12 | 6 | net worth falling |  |
| 2026-03 | 4 |  | losing money, net worth falling |

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

- 2026-01-15 [Credit Human Encourages Financial Health Planning - Biz New Orleans](https://news.google.com/rss/articles/CBMiggFBVV95cUxQcUZySGIyZ2VoUE82ajI2Y0FCSXZPeVNLODNRMVlFUFFXNDFwd0hzSDZOZElqejZCMDZkbGhZT3VLZ0tVbHQzYVd2SmpKWVVTWnFDV0hYbS1UZnU4N1NvTThLMHg2dUluVHFOd0IzRDZZNGZPeWY5Y3ZFdjZUWWdJcmV3?oc=5) · Biz New Orleans
- 2025-11-06 [Credit Human Opens 6th Financial Health Center in Gentilly - Biz New Orleans](https://news.google.com/rss/articles/CBMijgFBVV95cUxQTEFBalJLTGcxYTFiNFBhNDhzall4ZkJIRW8yLXNneHJnU1cxdW40c0Z5SDVvbF9DYzRIUVEyQ3p0cjFQek9IWkZnNW8yd25QR1oxWmNFQXUzdmhhQ2J3dXlhSnpnRHQ5WnRKY1dEMVVFNFRWWXFOVkJkZGVaX0xVM2V2OXpaOWRrUWg3NG93?oc=5) · Biz New Orleans
- 2022-07-13 [METUS Collaborates with Credit Human Federal Credit Union on 200,000-square-foot Headquarters - PHCPPros](https://news.google.com/rss/articles/CBMizAFBVV95cUxQcUozZ0FFYXdsT2FMN1dKRjctMXN5a0tVeklxblkxbmx6YU1tZVNxQTJ4bXNJV0s5a2tFX2VkajRJWHYtUjB1WmVUbFJSNm5mSlZCUGtic0o0RDQ3ZlZBZkJLRWFyWThqQl94UWQwU0FzMFFBc2N2UTMtRUF4bk16YzhEMGtESm02UTNQMGpha3ZLTXFxcDNjMWZwSmEzWjZyNzBINlVSVkIza3JJX1pXZTZPbXlQRFZOOVRwcUl1RkxyNU83aHlRM0pUVnQ?oc=5) · PHCPPros
- 2023-10-03 [This CD Offers an Eye-Popping 6% APY — and Almost Anyone Qualifies - money.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE5xU01uYVlJZkdVZ1ZFUHRIeEx1dUZWd3BudUFWaF9nWTRmaDFlZmtLWFJtRmdybC1ubTF4a3l5R2haLXlVNk5TQTUxUG5VaGRUbC1PWGpGRENOM3lt?oc=5) · money.com
- 2017-10-19 [Council approves Credit Human incentives - mysanantonio.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNZDFPaUxlaTkzNGRqOTAwOThvSWtyNEZoU1JzTFYzbVpEZkdiU2VkQzZTZGY0aGk2WjR6TjUzdzg3REhEWldGUkJhWWtEMjUxOGpnWmRvbXFqS2hUTXRYb2hSZHVNcGl0NXBqM2pjNzFSdkZ6ekp3QnhUbDFQZjBPZ2VMZHJkSGw0cGpoQUc0N3ZFLUlEZHdDVjN2dnpjM2lMRXA4?oc=5) · mysanantonio.com
- 2017-09-22 [Credit Human $8.8 million incentive package at Pearl provokes skepticism - San Antonio Express-News](https://news.google.com/rss/articles/CBMirgFBVV95cUxQc25ibHpfRzdndmFUNXo2YXZNYWFJd3RSTGFyNC1qdUZzeWtPR2xPLTFadDFXOTlCXzQ4NFY4UUkzMkVwSThNenpNcWVMcUdObVpQaGtsbWc4VGY2Uk9jeEVPT256dmt6dkJoYU5YeTAxZW9jemZfZlE3LWxfUjFxdFdobEgwSzBMZnRQLWhTWFdLdGV3MndpTG41NkNPUWZKakJRTll3Q21SbVNrRVE?oc=5) · San Antonio Express-News
- 2018-12-18 [Design revised for Credit Human’s Broadway tower - San Antonio Heron](https://news.google.com/rss/articles/CBMid0FVX3lxTE8wc0JmenpNakh2U2hYODg1MXhXOTY3bUFHaUNoMTFLMFBmQVRFZTB5Ynp5aERzLVZ5Q2o3RFh3Tm5pRUw5dTZEVUMwZW4yVHV0VF94aHB0QzlQRGdZVDAtblR2THdhY2pfU1hKNGF5NENmQUhsSTNB?oc=5) · San Antonio Heron
- 2021-03-18 [Exclusive: Look inside Credit Human's new Broadway tower - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQaXhUWExnUk5USUdMU2tOZGtGWlB6Q1hiUWtLWHNlcHA0U1VxcFVoYTc0dEh5aTAwejlWWF91ZXN6ai1FSXpzd2RITlVJaTZ5bkt5N2NTRlZHQTFIRWIyYllTMXpkcWk3OTNpWExOVnRZU2VBME9jR1NjRjJ1Z2FiTzMzUnZFRU1JSEFpYVdDTGVLeXRPTWh4RU1NM2Y1RHB0WW5UVGFjZU9SeWFCOEE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24382 (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/62.json (key "24382", 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=24382
- 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