# MID-TEX
BROWNWOOD, TX · NCUA charter 24454 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mid-tex-24454

Who the members are: federal charter, community charter, organized 1961, low-income designated. 3,197 members of 107,000 potential (3.0% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 43.

**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 | $36.9M |
| Members | 3,197 (-1.1% YoY) |
| Full-time staff | 9 |
| Net worth | $3.3M |
| Net worth ratio | 8.9% (p9 of band) |
| ROA (annualized) | 1.00% (p70 of band) |
| Total delinquency | 1.05% (p63 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 62% (p57 of band) |
| Cash / assets | 37.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.46% (p72 of band) |
| Operating expense / assets | 4.84% (p76 of band) |
| Vehicles % of loans | 56% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.28% (p43 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 8% |
| Average share balance | $6,033 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $15,546 |
| Loans granted, annualized | $10.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, delinquency 2x band, repo signal, auto monoline |  |
| 2016-06 | 3 |  | delinquency 2x band |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | losing money, members leaving | repo signal |
| 2017-06 | 3 |  | members leaving |
| 2017-09 | 4 | delinquency 2x band, delinquency rising | losing money |
| 2017-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2018-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2018-06 | 4 | net worth falling | delinquency rising |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 | delinquency rising | net worth falling |
| 2019-03 | 3 |  | delinquency rising |
| 2019-06 | 4 | repo signal, members leaving | delinquency 2x band |
| 2019-09 | 4 |  |  |
| 2019-12 | 3 |  | members leaving |
| 2020-03 | 2 |  | repo signal |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | capital below 7%, net worth falling, margin squeeze | auto monoline |
| 2021-06 | 2 |  | capital below 7%, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | net worth falling | margin squeeze |
| 2022-06 | 5 | capital below 7%, delinquency rising |  |
| 2022-09 | 1 |  | net worth falling, capital below 7%, delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | delinquency rising, assets shrinking |  |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | members leaving |  |
| 2024-09 | 1 |  | members leaving |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-05-22 [Court Records 5/22/26 - Brownwood News](https://news.google.com/rss/articles/CBMicEFVX3lxTE9FcXdlQkIzOF9rSUlPRS1VaFhrU19sNkNqTFNNamtzTDNEZmhwdkJma1Q1a0xqNUtnWFZoN3RYejVQVTRiVzRJenM3cld6NEtqTmJGeDc2VW45cUliZ2xxZ3IxcDY4QnozUURiR0hHZ3k?oc=5) · Brownwood News
- 2026-06-03 [Heartland Rod Run celebrates 50th anniversary this weekend - Brownwood News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPdjJxcHlnd2R3dVU5M3FFMzQ0bWJGX18tYXdMUnd2UnR5VWNKeTRyVVFSOThmZDRDM19fdGdTVXJXZTRaY25ZMy0wUUlWVzNIdlk3YTZhc0RzNUFRQ2dzZ0gtbzVTc3ppY3J1eUxNalpmdElqZWxFUXFjRFV1Ukg4MnBoX3pjSXREVURBVVVfUmM5bFFWVFh6M1ZtVkpFdFlJQnc?oc=5) · Brownwood News
- 2026-01-26 [TUESDAY WINTER WEATHER SCHEDULE CHANGES - Brownwood News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPZGZXMm9zZDZOZF9FV09waEZ6dU92TzBZVXBYOUlkSkZEVVJZdWdTRWpsN0lwOXFBSm9xSm5iZEtjbDRwTWFzejFjQnRFMWtOR050NTFuMHVCemo4ZTBWWlJFVHN3OUt1cTcyZncxWEp5MjN6MF85dktCTW9od2lDUnA1NVp2WTRn?oc=5) · Brownwood News
- 2025-05-15 [Chamber Luncheon Honors Law Enforcement and First Responders - Brownwood News](https://news.google.com/rss/articles/CBMipAFBVV95cUxOVEdFUFdhend0UVFJZExGeldjNzdiaFZTMVpTb2ItVnp1QWtla2ktbVZ2WW5OaTQ4VnF5Rm5sU3ZpT3g4cjk4X0VHRWlmUmN5empHUXRvUXVidmVCRVFIWlk0eG83dDRDcmFPR0xreWhjX09zcEVtdzhBMk43cE1KSmNQUWp5eXFVNHdnbHlEOWhrSWc1WnFpQ3I5eDVQVzRWVVB2Yg?oc=5) · Brownwood News
- 2020-09-08 [Jewel Elkins - Brownwood News](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9ScEJQRXl1QUJJQ2pHaGtreWZ2ejdKMHg1aUdvZTFYcnhXS2Z4R0IyRUktOG5XanJyazBhSGk2dGp4VzRGOHBxc293Q0JkR2ZRWWwzdlliektJMnhoXzZKQjdMclc2WjQ?oc=5) · Brownwood News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24454 (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/6.json (key "24454", 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=24454
- 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