# ALAMO
San Antonio, TX · NCUA charter 2995 · asset band <$50M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/alamo-2995

Who the members are: federal charter, multiple common bond, organized 1938, low-income designated. 5,407 members of 650,000 potential (0.8% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 51.

**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 | $43.7M |
| Members | 5,407 (– YoY) |
| Full-time staff | 16 |
| Net worth | $2.7M |
| Net worth ratio | 6.1% (p1 of band) |
| ROA (annualized) | -2.20% (p3 of band) |
| Total delinquency | 0.84% (p50 of band) |
| Net charge-offs (annualized) | 1.15% (p86 of band) |
| Loans / shares | 80% (p84 of band) |
| Cash / assets | 15.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.65% (p73 of band) |
| Operating expense / assets | 5.84% (p92 of band) |
| Vehicles % of loans | 37% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 39% |
| Third-party paper % of net worth | 178% (p98 of band) |
| Vehicle delinquency | 1.05% (p64 of band) |
| Vehicle NCO | 1.32% (p90 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 19% |
| Average share balance | $4,707 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $11,915 |
| Loans granted, annualized | $5.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, 3rd-party paper>100% NW |  |
| 2016-06 | 6 | expense trap |  |

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

- 2026-03-20 [Leslie Sachanowicz | 2026 candidate for Alamo Colleges District Board - San Antonio Report](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPSXZJMEdXWk9rZGxPTno3UHN0RXk3T3FiQWJlN09GTXN2YlMwekRyUV9aUUFfaXM0V0tFTHRXUjBTY29rZ3lENF9xS3c2ZGhxZ21sbnJsLUtNVFFwcUhQTzFyTnF0TWg2N3cxeWFpdlhWQkhwR0ZRcjNYT3NBZnlXZmVXd2JucXhnT1VlUERNcVRISnVha2tMbWlKQXd4S21IV2ZId3ZkYXQ?oc=5) · San Antonio Report
- 2026-07-23 [‘Get down’: Man recounts hearing gunshots while playing pickleball in far West Side neighborhood - KSAT](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOQng3WVAxZ1BZakpfZlBEYmR1dnA3MldMRjZVTkM2YjdQbTMzX3hTczJLR1Y0T3NRWkl5ZXFJWC1KbndOaVR3dVpmdVlkZnZFSGJ5Q1drU2NTLTVacUF2RHdad1J6SGxkdmtEZ2VVdHYxWl9kcERRWTNXdlFEcjhwdG10SjlERW1tNWE1RlZZUE9pbTFjaEtOMEpTRzBkSGZoaW9ZQlNXdjBJNzJFckhVcEhzZzZHeXB6V0RfQlg3Y0NvVGdmLUV6RHF5bWJTcVhIM1lkcg?oc=5) · KSAT
- 2025-12-17 [Valero Alamo Bowl sets another scholarship record - foxsanantonio.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPY0xhWlViS1ppRF83NlpER3BYVVpiODJTNUwtRGs0TmtiS21uWk9sM1BkZUxqQkhIMmNIbHVLdkM1aWhrd0d4cUdGLVQ2Y1B3WXowWlRXSzg0SGRwQVMwamZiNDNIRWxGMlZZdDBxaXdIWndXQW56TkQwb1d0OUFJcFBTM1dEeUZkMmxlbXZJLUtkYUV5cFZSTQ?oc=5) · foxsanantonio.com
- 2016-08-10 [PenFed finalizes merger with Alamo FCU - mysanantonio.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNUWlXSTk4VENCWk1RTkFjYVZDNkVZVWp3RW1hQ1VqaHg1RHZPY2tBcldFYVpGdVZnLXItZE1kMjJsUWl1YjF2NWFJYTVCQ2hSOUZNTlNLSEpRSGtzd21HWXFVWHFSZTM5aTIwMkVfUzNHSGYwbVl1LTlIeDdwQ1Jsa184bzItaHg3RERmMDVJMHdNY1ZaYkJnWTdkYmZNTTRZLVFPYg?oc=5) · mysanantonio.com
- 2023-10-16 [Alamo Wing inducts Honorary Commanders - aetc.af.mil](https://news.google.com/rss/articles/CBMiogFBVV95cUxNOW5kZlFLaEk3NkRvUEQxRnVKU3JIdG5ZX1lWVlFuYmhlQUtsQmxVdFBlVWFmU3dSMUc3bXRvTHZ0QTRFU2l4bjI5SWxjMURiYV9FU3lObC1oZ0k5a2E5TVZ0czg3TFNCam1kaHNqWGhrMHhkbFo0Z3pvZV9sb3NvLTFJZWtvcTR5aWZueHBHQnl6QTN3bjVvLUFSTHRzdW9GWHc?oc=5) · aetc.af.mil
- 2019-11-16 [The secrets of the Alamo replica in Northwest San Antonio - San Antonio Express-News](https://news.google.com/rss/articles/CBMirAFBVV95cUxQeU1XNk42bU5aczFOMlN3UTZBZnlSdGFJdm9hamsxaUozNlJZOFA5ZFlYSk43UUc2ME9HV1UzTjRHM0psWnFyUVJzcnQ2WDEydHVlaWVDdlA4LW1Yel9jMVFhME40MUhKYzBFc0JManFBRHk2cFFlbVRHNS1TdjZQYlVzQ04yTlV2a09nMW8yNnZNZEJ2RGxSZkJQLTJBeEtscTU5RVNuZ211eXhD?oc=5) · San Antonio Express-News
- 2020-03-20 [PenFed CEO: San Antonio 'exceeded expectations in all areas' - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNTHFIUm5NOHppUTFmOXlHWGk1MjE2ekRWYUJsbERVWHZ0bUo4RnF3OXlpM2swZ2JIYnE2NzBHYTJ5aEowbVQ5SE9sSmJRVjNHS284RmtVVFJTSjM5c0ZpZlJBeHZaRjk1OXZTc1NVcTZKOWRQdy1LS1Z2TE5RZTV2emRqWkVuN0gxYmI0WTAwcVBJd0FYeW9vclY3WW9MUjgtbkk3TElPVEJ2alB1Nmc?oc=5) · The Business Journals
- 2021-01-06 [Pay It Forward: Alamo Barbershop in Lubbock - KCBD](https://news.google.com/rss/articles/CBMifEFVX3lxTE8wZlBmZEtGazBVZE5SejZoUVlCSmMxWHY5QWZKR1NkN3JSRmNwZ3B1T3lFdjhBTjRsZElhM2tXMUN2VU1MbFBORHI5TUxMMWt5eEg3MmtTRTRFWDFsdFMyZFdVOV92QXNZazUybEl4b3JiQnh5WGFnVlhUeHHSAZABQVVfeXFMT2w0bmMxVVJxU3hxdVQtX0FuenJHOWM2ZUFWdmItazIwY3RMbUJyYUFUNTVCZkc4UEw1alAzbE1IeEZFSWlLcDE4SGpFMHVYT1B4NWxxeWJkcUhyMEhHemN4UFJSREJTSXFRZzVJTkUtczRBSXhRMUl2YWZaVXRBYy1tUVZ2VlZnanNvT05qaUxQ?oc=5) · KCBD

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2995 (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/51.json (key "2995", 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=2995
- 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