# IRVING CITY EMPLOYEES
Irving, TX · NCUA charter 24481 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/irving-city-employees-24481

Who the members are: federal charter, multiple common bond, organized 1961. 5,045 members of 5,525 potential (91.3% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *auto monoline*. 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 | $84.7M |
| Members | 5,045 (1.3% YoY) |
| Full-time staff | 10 |
| Net worth | $9.7M |
| Net worth ratio | 11.4% (p34 of band) |
| ROA (annualized) | 1.93% (p94 of band) |
| Total delinquency | 0.57% (p47 of band) |
| Net charge-offs (annualized) | 0.05% (p24 of band) |
| Loans / shares | 52% (p35 of band) |
| Cash / assets | 47.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.91% (p63 of band) |
| Operating expense / assets | 2.49% (p15 of band) |
| Vehicles % of loans | 70% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.59% (p50 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 19% |
| Average share balance | $7,835 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $17,892 |
| Loans granted, annualized | $17.3M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 2 | net worth falling |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 | delinquency rising | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | net worth falling | delinquency rising |
| 2019-03 | 3 | delinquency rising |  |
| 2019-06 | 1 |  | net worth falling, delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | members leaving |  |
| 2020-03 | 1 |  | members leaving |
| 2020-06 | 3 | net worth falling, delinquency rising |  |
| 2020-09 | 2 |  | delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 | assets shrinking | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 1 |  | assets shrinking, delinquency rising |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | margin squeeze |  |
| 2026-03 | 2 | delinquency rising | margin squeeze |

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

- 2026-04-17 [James Kenneth Ladner Obituary (2026) - Bedford, TX - Martin Thompson & Son Funeral Home & Crematory - Fort Worth - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQRU1UYnJxeF9QRVFfaU45VF80V0dDXzhZbzlTSUhidUJKVXd4aG95c1o1UTdZaWJNbjdVNWp1S0s4RGxvS1Uwa0dwM3hkZmRKbEFpQXdDN3hvQks1aWNWbHVtQng3ZzZhNXd6LXZSdVBXV2ZyX3J5NG9fOHZDcXF5Ug?oc=5) · legacy.com
- 2011-09-07 [Irving Asst. Chief to be Laid to Rest Friday - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMijwFBVV95cUxQVFlwOGtsRVlVbXRxUmRDbDBjX1VWUkMxZTJNN0twbGMzR29KOGpoRUFPVENCX25HMnFRVFByLWJhUEwzOEwtbXp2cVlISmdUOG9TUVMwTWFVRnF6cDNWNTlOWjJiYnRXT1RNWmd5aFlMQzdKck43Qm9LV1I2T0dxZ2tlY05SU1gxa3RGNkQ2UdIBlwFBVV95cUxPeDRONGZVbVJGR1ItZTBPT3ZpRDBOVnRvdk5zeFlzSURIeTMxbE5CQXVpMkJ5SE5LbWx2em1YOTljZXZVUng4RjRyWm1ITDJKcEdpT0dmTnM0QzItNlhvOFlSNW9rcEtNTkZkczZuVmVhNlFadWF1b2dzR0VYbUFzQUtVQjRBY1h5VjV2Q2tCZm83M2hMYWFZ?oc=5) · NBC 5 Dallas-Fort Worth
- 2016-09-25 [First CU Transitions To New TranzCapture RDS Platform - cutoday.info](https://news.google.com/rss/articles/CBMilAFBVV95cUxQRnhDN2ZxVE0talVmSk9pYkg2WGIxVTV6OU9SaW9jZXVZVlVfS0pMaVhSbkpseUZ5RzFPVWlGaWdzd1JHZ3A3eU5McXhrejdYbE8xNWN6MVh5TkhfSVdvNkRrNlJnLVJHREVvZnJtZWRyUEMzWHpzTnFrYWxHQ2Q4ZXN0RjFwTENmUFBuYnU5UWRnejlE?oc=5) · cutoday.info
- 2012-12-28 [Funeral Honors Life Of Irving Police Officer - CBS News](https://news.google.com/rss/articles/CBMihwFBVV95cUxPUkUzc00ycDJ6cjBveXluQlRtemE3dzFqQndDUTZLSXFaT1M3cVJnNlVEWmMwUXNzTFZCRllHNml1QW1lUER3VzZhd2syZjF5Wm1lYkJKeE5UdnJ2MWR5Vlhmcml3RWJfUjE5d3dmNG9GZWVBQTN6Sl9LVFpIaUIwYlNHRUpsZFE?oc=5) · CBS News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24481 (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/33.json (key "24481", 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=24481
- 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