# HOUSTON TEXAS FIRE FIGHTERS
Houston, TX · NCUA charter 258 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/houston-texas-fire-fighters-258

Who the members are: federal charter, government (single sponsor), organized 1935. 17,733 members of 21,000 potential (84.4% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 87.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $401.2M |
| Members | 17,733 (0.5% YoY) |
| Full-time staff | 60 |
| Net worth | $55.4M |
| Net worth ratio | 13.8% (p80 of band) |
| ROA (annualized) | 0.74% (p55 of band) |
| Total delinquency | 0.45% (p36 of band) |
| Net charge-offs (annualized) | 0.25% (p35 of band) |
| Loans / shares | 49% (p6 of band) |
| Cash / assets | 18.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.83% (p10 of band) |
| Operating expense / assets | 3.02% (p23 of band) |
| Vehicles % of loans | 56% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 2% (p22 of band) |
| Vehicle delinquency | 0.23% (p20 of band) |
| Vehicle NCO | 0.12% (p15 of band) |
| Repossessed % of vehicle book | 0.06% (p65 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 23% |
| Average share balance | $9,159 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.3M |
| Loans outstanding per 100 members | 87% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $10,861 |
| Loans granted, annualized | $51.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.3M outstanding purchased (2.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -3.8% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 0 |  | delinquency rising, net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency rising |  |
| 2022-06 | 0 |  | delinquency rising |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 1 | assets shrinking | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | delinquency rising | assets shrinking |

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

- 2021-12-12 [Houston Texas Firefighters Names New President/CEO - cutoday.info](https://news.google.com/rss/articles/CBMikAFBVV95cUxPR0lLWk90YlBtZmY2QnNZSUZJek1IX1Zfa3FQWHBOb0JoUlR2dzhOaHByYXdKNHRRSDNEQ1lxTjVya2drb1dBOXh1UGt3WXQ4SkVJWnFfaEFZM1NSQXlhc3lRR28xY3FHOUx2UFk3QndtY2NXMFVlV2loRUVZTW95bFBDQzhYRnM1bnJLWnhLbnk?oc=5) · cutoday.info
- 2021-12-23 [First Service Credit Union hires Steve Gilman to lead political advocacy and community relations efforts - CUInsight](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOQWhNeXc2V1N6d0VoeV9FbU05ZlBQQ09YcEJnOUlaYnZCdG9ZTVZ2NHZCU0g5X1JPMnNKbWRBMUx3NldteW5BOElyTWdfS0diX1EyVmNlWWhsVFllRDBBbDVfd09ndURsUWRXY0pzaWI4eUN1RzR2TXdYYkllV2FYa0E3NzNRNWVjZFZWYndDWkpTLTZVemFVUHpfbWNXNkZ6Tkl4dnJ0S2NKRHNPMm5RMTgtY3dDY3NDa3Fza1BTWTREZkpXbnZZakdWa2hnWG1uZl92MGFZWHR6R08wS1E?oc=5) · CUInsight
- 2013-06-07 [Donations being accepted for fallen firefighter's families - Click2Houston](https://news.google.com/rss/articles/CBMipwFBVV95cUxOVll1YlpsU3kwbVptRVNzbThsYUt2XzYzRmwtc1Zsbnc0RDJXbk5lNEp5REtlYkd1ZnM0b0RaUU03ZUFqcEtMdzNPajlPVnRyM0FLUS1faWt3R0ZGazlkXzNneHFaWTk1ZmY0Ui02OUhJQk5TVkhTQVRxdXR3TkVybGNReEVEclFrNVVyWlZmMW9zOUtYQ2tKMWVhLXlabmNTV3hVREw1aw?oc=5) · Click2Houston
- 2014-08-13 [Charles Dean Barr Obituary August 13, 2014 - pacestancil.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9xQ0V3ZWNsR1ZwMUk4d2V3RXJDSnB6WUdjazktSjBXa3l1Unk0X0ZlSWk5YTE0V2VQLXhHZEpWbkszVjdZQXpKM3Yyd3Jkbk5BWUtzTlZWcnpmYnBvakdFMTF6Z29OTkU?oc=5) · pacestancil.com
- 2025-01-21 [Houston-area business closures due to winter storm: Hospitals, Houston Zoo - Houston Chronicle](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNckFHdkJIaWZjcE4zUGVFY3NFZ0xxczRySk9RUVFxYzVlTkZsVGJfeTNPSng5SElkWHljUDZBQmhXS1NWenBNYkFyWkl2QUl5NzlaNFZfWmQxcF9KMG01MlFISzBqUnVtSWJuSzRESTFQNEpBSFpxZmlKbDdOUVBrSEpuNDRFMWVUZGlMQ1o2N2huUGpVMU1LTlh6NnVSVm5WNk1SbXNKOTY?oc=5) · Houston Chronicle
- 2021-10-12 [Jason Ellison Obituary (2006) - Houston, TX - Houston Chronicle - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNYXFCMXBRMU5OLXExYXZGNG5KZTlMR0hQcmY1T291c1B2Ukg4TFVIbFItaVByN1I2enpxeExOTEw3MEo2QlBoN3pCOXAxekhkMkhCbHhsQWplRngzb2dhMG1NRFlUNkM4VEVqX2tLMkxxZlZmYjQ5VHM2dVRkNnQ3eEgwZlV3aG9OdW84MGY2YklvV082RzN4dg?oc=5) · legacy.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2013-02-01 [Ursula Moore Obituary (2013) - Houston, TX - Houston Chronicle - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQT05tMG5PdzdjRldycURiLS1EdW9uZGd4SklBb0F3ODR3WVZjaUZvZGRNeWt2dFVFV1c1Z0liZldQSGFzNUFyQ09GU1U0U0syY1BkVWYxSFFTdjVTVVp4eGlTYk90OWZJcEZBMzVoZ2ZiWDhMaTl2V2RUMmVTQzJCYWdLVUZPeWx3S2h4QWdsdk9oS052MTJB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=258 (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/2.json (key "258", 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=258
- 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