# MOUNT OLIVE BAPTIST CHURCH
Arlington, TX · NCUA charter 24605 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mount-olive-baptist-church-24605

Who the members are: federal charter, multiple common bond, organized 1997, minority depository institution. 1,311 members of 10,000 potential (13.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.6M |
| Members | 1,311 (1.2% YoY) |
| Full-time staff | 0 |
| Net worth | $1.8M |
| Net worth ratio | 16.8% (p61 of band) |
| ROA (annualized) | -2.96% (p4 of band) |
| Total delinquency | 3.76% (p90 of band) |
| Net charge-offs (annualized) | 5.62% (p98 of band) |
| Loans / shares | 72% (p70 of band) |
| Cash / assets | 40.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.30% (p28 of band) |
| Operating expense / assets | 2.75% (p25 of band) |
| Vehicles % of loans | 91% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 4.02% (p92 of band) |
| Vehicle NCO | 6.11% (p98 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 8% |
| Average share balance | $6,270 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $17,746 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | repo signal |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 5 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2019-06 | 2 |  | repo signal, delinquency 2x band, delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency 2x band, delinquency rising | assets shrinking |
| 2020-03 | 3 | margin squeeze | delinquency rising |
| 2020-06 | 4 | net worth falling, delinquency rising | margin squeeze |
| 2020-09 | 7 | losing money, charge-offs p90, loan book shrinking |  |
| 2020-12 | 6 | members leaving | delinquency 2x band, delinquency rising |
| 2021-03 | 4 |  | losing money, charge-offs p90 |
| 2021-06 | 4 | margin squeeze | loan book shrinking |
| 2021-09 | 4 |  |  |
| 2021-12 | 2 |  | net worth falling, members leaving |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | delinquency 2x band, delinquency rising | margin squeeze |
| 2022-09 | 4 | net worth falling |  |
| 2022-12 | 3 |  | net worth falling |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | charge-offs p90 | delinquency rising |
| 2024-06 | 3 | members leaving | charge-offs p90 |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | loan book shrinking | members leaving |
| 2025-06 | 3 | delinquency rising | loan book shrinking |
| 2025-09 | 3 | net worth falling | delinquency rising |
| 2025-12 | 2 |  | net worth falling |
| 2026-03 | 5 | losing money, margin squeeze, charge-offs p90 |  |

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

- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2023-11-06 [All the Black-owned banks in America and why you should support them - Face2Face Africa](https://news.google.com/rss/articles/CBMipwFBVV95cUxPek1SYVR4cm5TclNJT0tEQ1MyZ3JUa1hMQTVPU1JxV3B6TXN2bFFZeHVTaTU5ZmVLWFoxb255R2p0WDE1eTlkd2xfU3J6QmZodDRlVHRJdXhhaVI2NkRoR3NuQk9jNjRuVUJudUdFN0o4bjBlbms2UUQyVTg4eUowenEtcEdxMHFnZzVWRFQ2bmw2RzRVRjNWeGFqQ3pfa1FPZVQ4Nzkxdw?oc=5) · Face2Face Africa
- 2025-06-21 [Mount Pleasant church celebrates African American history with Juneteenth parade - KLTV.com](https://news.google.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?oc=5) · KLTV.com
- 2012-07-29 [Lamesa teen who fought cancer without complaint got wish for new bedroom - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNb2JiM2ppZ1hKVVFtclhqTUpiMFdvdFk2d1dCNDQtQlpTazZ6X0Y1dGE5VXEzUjAtOEpnYXJ1SlZPRjJUZklabHFRX1RxNmZpeDdGSHJSeEduclFXNWJTRmRkenF3Y0EyTkFjWDFVSy1PV3ZGTF9zd054NlNuNWRYVVNkUU5uUXo3NF9pWEdTRXZqZ3pDaU1aUDFiR3MyZ0hrdC1hOWpSVnVjRFJWeEU0d2tDdU8wdUEwRXV4TWNockZ6UEpwSlVycmFLRE4yLXN3RXA4Y2V3?oc=5) · Lubbock Avalanche-Journal
- 2009-05-22 [WOS High School honors seniors at awards, scholarship program - The Record Newspapers](https://news.google.com/rss/articles/CBMixwFBVV95cUxQNmxGZ1AyOHVtQUl5T053ZW1pYTI5cjRWRl9fNW1OUUo3STRidmJuQ1FHUUhfSlFhT1l5LXg4UldZM2kzNTVjTDZ6XzE1QVVSMXNYeFNjWDI4WmtVTzF0Z0ZjdTRqM3RlUExhazdmLUNoRUJaMzZzZ3pqZWxyc3A5bXY4M3d3dHB4Wjlra3dsTUlmWmM4YlJIdFhwNFZWSGNPeUtZSU1SdHhzV0Nlb1ZMZWpSdjlFVmZ0ZGQ5Z1lNcTJ1MHZmdDdJ?oc=5) · The Record Newspapers
- 2025-08-04 [Elder William Collins Sr. - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQSVluTV8wam1FZ0d5MENsWFZBXy1WTGI0dldGQktBa1R6UDhoZUVoTklfWm5QRDlYcGhUYXBXSzIyZndIbnB4U2xhX0JOc08wME1VTklsT2p1VlhWMlpJcEI4X3hzQl9EdHhiZ05hZmE4Z205RHUtcEVvclQ1d2ZsTEJ3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24605 (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/29.json (key "24605", 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=24605
- 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