# HOUSTON METROPOLITAN
Houston, TX · NCUA charter 24570 · asset band $50-100M · latest filing 2021-06 · stopped filing after 2021-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/houston-metropolitan-24570

Who the members are: federal charter, multiple common bond, organized 1945, low-income designated. 14,391 members of 309,422 potential (4.7% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $76.4M |
| Members | 14,391 (-5.8% YoY) |
| Full-time staff | 30 |
| Net worth | $8.2M |
| Net worth ratio | 10.7% (p56 of band) |
| ROA (annualized) | 0.72% (p70 of band) |
| Total delinquency | 0.53% (p68 of band) |
| Net charge-offs (annualized) | 0.94% (p97 of band) |
| Loans / shares | 70% (p78 of band) |
| Cash / assets | 13.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.05% (p98 of band) |
| Operating expense / assets | 6.74% (p100 of band) |
| Vehicles % of loans | 78% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 47% |
| Third-party paper % of net worth | 210% (p93 of band) |
| Vehicle delinquency | 0.52% (p72 of band) |
| Vehicle NCO | 0.88% (p91 of band) |
| Repossessed % of vehicle book | 0.00% (p41 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 7% |
| Average share balance | $3,061 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 29% |
| Average loan balance | $7,934 |
| Loans granted, annualized | $21.6M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 |  | delinquency rising |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | charge-offs p90 |  |
| 2019-03 | 3 |  | charge-offs p90 |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 6 | net worth falling, delinquency rising, assets shrinking |  |
| 2020-03 | 7 | delinquency 2x band, charge-offs p90 | assets shrinking |
| 2020-06 | 7 | margin squeeze, members leaving | delinquency rising, delinquency 2x band |
| 2020-09 | 6 | delinquency 2x band | net worth falling, margin squeeze |
| 2020-12 | 7 | margin squeeze |  |
| 2021-03 | 6 |  | delinquency 2x band |
| 2021-06 | 6 |  |  |

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

- 2024-07-26 [Multiple Houston credit unions see double-digit asset growth over past year - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQTkFtS2puSG9FTks0OHI3N19UeDFfT2JVa2JQdU90YzZpWGh6aVp6bllRT1RMYk1abnlnQllHamVSbWhQdkJNZVMxM1loUFl5TGxTUmY0Vmh0NGNCUjJjeW1zelFIMHJ0N1JEb3R1TDloNXhsdy0xaW1OSlRSS1o1TU05NS1XMVYycHprenRMaWlsZy01VnVvYk5QZnVvWUIx?oc=5) · The Business Journals
- 2023-12-19 [Essential Credit Union and Priority Postal Credit Union announce merger - WBRZ](https://news.google.com/rss/articles/CBMinwFBVV95cUxPZ3B1ZmRkYjEyNVFxV0gxNW9JY0hmNnRyNlNfalhzc194ZVhPdUxMdWxfRGlHS2szVllUT3AyQVJhQllPNHJkS1hxTU55QnItQWhxcXN2QlJLelFpZzBfNWlEMjJyajZxczFoSkN1TGtIbk9DaFpEblNKYUVhUms1TGwzaDBRNUQxandtNmlqc3lIQWE2NjZxM1M0ejQ2YlE?oc=5) · WBRZ
- 2022-10-10 [Building financial identity, and community, at Houston's Majority banking service - Houston Chronicle](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQQ2VyMTdlU1o3bnNOVnI1SFlQQ0hfSk01NEpOWWdraUNvZ3BoY1dZMzh3SGtIaHdTcmZWN0xUNWdGRkp2cDBkQXRLd0VZMldGSzU1VWc4QUFlb2lwVVc0eFk1U2dsbmNqTWRpakhYSzktbFdwY3piZFhjWlBaTzRvbndHc01WWFhiblJOOTZ0cWEzTGhXU21DZHR0aWhtZm9sQS1QaTNSVWZfRXF2MDRvN0p1eV9COVZl?oc=5) · Houston Chronicle
- 2022-06-17 [The 30 largest cities in the US (and their investment strengths) - Investment Monitor](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNM0lZWmt2YVgyb0U3MF9SbFV0dmU5YUYxcW9OdTl4cndvaGVqNUZ5a205ZllpZ3ZLaE1GdDBITWd0VmxoaEUtb2xfVGNWdE1rNkM1cDJpTVd0Z1IxRFF6SkkxdUYtd1JNZW5NS3lFTWhOSndxeVVlTHJMNkU0WThzSGVPckR0ZWxzMFUw?oc=5) · Investment Monitor
- 2017-08-11 [Waffle Tour to Honor Katy First Responders in August - Katy Magazine](https://news.google.com/rss/articles/CBMiggFBVV95cUxQZjBYNk5hb19WMjdnME94WVJvQzVpeDZoMUdEZ0g3SDktaVIyVmFid0hON1VpTTJqbkszQ0pOOE0tR2prNXlVTEdpOW1tMVNMMjZJWG5lYUs3S2I3R1dzUzBGMUxwdUEyUVZOLTN6SW1FaE9JbFY0cnNLOS05RjNyNm93?oc=5) · Katy Magazine
- 2014-12-26 [Tracy Dargan Obituary (2014) - Houston, TX - Houston Chronicle - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPZzNWaHVGeDFxY29xOEdSTm51aDk3WVNoOTljS29Na01tSjdvdWFpdzZUV0djMzg2UDNQeTJMYVpoOGoxYVVBZXZwVnRWRlBqNXBmN2RTWmc3RGdjTHFhVGhULWprcVZQNnYzMTdnLUMxeUFWcmo0blVlLTlRQlBPN0hOQzJBaXB4RmVTUWx5VE9yLVNrTlVZ?oc=5) · legacy.com
- 2026-06-23 [Houston Business Journal reveals 2026 Most Admired CEO honorees - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQdmljZDdwQko3NzZ5RUdJdjlKTGRiY2l4VHNPc0hYTDRaTE1GQ19sQWMyWi1hdXVRV05yc2NOTTFWTE5pNmtMY1l1eUx2aEs3UTFXZG9pdjd3aWJMSDEwa3hHaGc2RmN5SXJlZTlzYThvallSblUxLUpwMmlXT2YxaGxsVGdjaGJYcmNaMjRTT1N1RGlQU2NDNW1sSXZYN01F?oc=5) · The Business Journals
- 2025-06-30 [Houston Business Journal reveals 2025 Most Admired CEO honorees - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxOUTB0RWYybnZXM3p4dG1XS1ZrT3k5eF9QS1M0YnUzckxDWXVpTjdWcUtjVkpzZUpyZ1hDY09VS1NhTWNqNFFqMlNxcGRCVlBEcFlVMzI3QnZMZmJsYVZQdHhueHhBTVpyMHNFdmJGZ0xXcllaSWZJX1J0SlYxR290ZjgyTy1OMGtaVFNQdmpsUjB5VFJOQWhQVjRoUXo3M1pG?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24570 (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/58.json (key "24570", 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=24570
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide