# SAN ANGELO
SAN ANGELO, TX · NCUA charter 3080 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/san-angelo-3080

Who the members are: federal charter, multiple common bond, organized 1939, low-income designated. 3,903 members of 8,000 potential (48.8% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *auto monoline*. 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 | $40.8M |
| Members | 3,903 (-0.2% YoY) |
| Full-time staff | 11 |
| Net worth | $5.0M |
| Net worth ratio | 12.4% (p34 of band) |
| ROA (annualized) | 1.39% (p82 of band) |
| Total delinquency | 0.56% (p46 of band) |
| Net charge-offs (annualized) | 0.12% (p60 of band) |
| Loans / shares | 56% (p48 of band) |
| Cash / assets | 48.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.70% (p42 of band) |
| Operating expense / assets | 3.08% (p33 of band) |
| Vehicles % of loans | 82% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.47% (p50 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.20% (p94 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 13% |
| Average share balance | $5,472 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 56% |
| Average loan balance | $12,854 |
| Loans granted, annualized | $9.4M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 2 |  | delinquency rising |
| 2020-06 | 4 | net worth falling, delinquency rising |  |
| 2020-09 | 4 | margin squeeze | net worth falling |
| 2020-12 | 3 |  | delinquency rising |
| 2021-03 | 5 | net worth falling, delinquency rising |  |
| 2021-06 | 2 |  | margin squeeze, net worth falling, delinquency rising |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 4 | delinquency rising |  |
| 2022-09 | 3 | members leaving | net worth falling, delinquency rising |
| 2022-12 | 4 | delinquency rising |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 3 |  | thin capital |
| 2023-09 | 2 |  | members leaving |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 | loan book shrinking | delinquency rising |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 4 | delinquency rising, repo signal |  |
| 2025-09 | 1 |  | loan book shrinking, delinquency rising, repo signal |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-03-07 [San Angelo Rodeo: Pure Texas. Pure Grit. - Cowboy Lifestyle Network](https://news.google.com/rss/articles/CBMifkFVX3lxTFBLUkFSNjJ5TWE1WXk1alhDbGwtTGFzcGE1UjhIbHNuSW9sWlZEbGU2SXFnY1o5OTBvT2NhX0E4Rkgtdk5CYjdETlJCQkJtRjYxVHF0X29famNSMXhxRElpYkNGRnJWX2tvZmFSY2I1bHlmU3pSZUg0NUQ2dHg1dw?oc=5) · Cowboy Lifestyle Network
- 2023-05-22 [Texas Trust breaks ground for new branch in San Angelo - CUInsight](https://news.google.com/rss/articles/CBMimwFBVV95cUxPVVpRcTBEaHFjVHl2a3BjVGxKNjZiajBxOV9tQnhKZXBMVHg4Umk4NGpLcXptSEVmY2lfNXR5cDFhS3loMm1zYkp1Vm9rbTNLMUZESFJ2bmpCNTEyZWZJdHJka3hkeVZiLUhlNFprLW1HZEVCVWJIVWt0TXd3bTc4RUxVVGV5cEZEX095UllQaDdFYzVYamM4X2hkcw?oc=5) · CUInsight
- 2024-11-04 [Minot B-52H fly over at Angelo State University - minot.af.mil](https://news.google.com/rss/articles/CBMirwFBVV95cUxPTFA4dmpzYjRkMUhfck1RRkpWMk5BRmZFQ2dsS3ExMkQyVkVUNlV3R0FPcXlOMVhndlE4c0dpTWFNUTJ5OXNFeTl1Xy1ZRk9KOUJaUmFLbzJzb1VCam8zS0p0QXlBNEpLdDVYMGpXSUVGNnJ4eTdBeUJQN3dneGxoQ1FKU1lzcEdxbHpLMjJVdW5BS2Z0M3V1SG8tcklfZlJEUl9qTU44VmdzVjN6MjdV?oc=5) · minot.af.mil
- 2025-10-25 [Ginger York Obituary - San Angelo, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOQ1Q2dHlLWm5pQ0tVZjRxeGh1MDhDT1dVMlRPSWVqVU1Cc0M2WVZDa3BXekNXSFF0V3RaQXRfNXladDh6ZC11dWJMbXA1OWFNMUdmb012TlRtZTQ3VkhMN3pwUmVWNDBXelo5azc2ZFFONGFMdHN0QWxVcnBwMFQ4aHk4aw?oc=5) · Dignity Memorial
- 2021-06-07 [Texas Trust expanding branch in San Angelo - The Business Press](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQUldHeFZ0YmQ5QV9nXzNWSDRvWE5vT2J2M1dvZWlKc2RMTkRtdkVzQ3hfQlZOc1AzakFTX1EtLTdBSkk1bmN3QTEwZ1dPX2oxaXVpMTdoQ081MDJaQTlPcEtON0dSdld4T3J3bzU2QV9jdUFXZjAxUGMtcjJnSmpkVnZ1LWhKdWtI?oc=5) · The Business Press
- 2026-01-12 [Texas Trust Credit Union Named to Newsweek’s ‘America’s Best Regional Banks and Credit Unions 2026’ List - Business Wire](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOdHB3U1FxWFQ3YzFkemtLU2J0VGQ0aGNwTW5fV0Y3T1c0RWMzX2Z5Z2ZQclQzcnVUREpNNUpySHV2NTJXbXZpWklEdFNxYTloZUJmSEVlN09pc1hJS0FsYklxVVE0eE0ySERVNS10aldIejBpWGtvTUhKR2VaVnVVdk5tQmxEVTN6X2VWX1hMdG93ZXlMN1plMUVRZWpZbmFuNDJWU1g0VHR5d3puVjdjY3ZudUduUkhfZWFMVUtWdHFQcDFZMWQ1VVVNeS16cTM0eXpxRHVnYVVZVnhtNlpDUFlGc3pDRmR0ODg4TjZB?oc=5) · Business Wire
- 2025-05-12 [West Texas Mesonet Celebrates 25th Anniversary with 168th Monitoring Station - Texas Tech University](https://news.google.com/rss/articles/CBMiugFBVV95cUxPNXNnb1h1Qkp5VkVob3FWODBKWTNYOGdGQWVhREZUNTJ4QWplREJuQU1PcndFdUx1QU56MU9vRW9rUWVOLXBPVzQtaHhhQUZRUW9VdVN6YndGMG5nUGdwZTVTZWk4NURVMFNfdkMycjlaUzZOSHZ3MFZBTkdCNTRaRThIbXJDR04yZWtNQW43Wm5vU04yQkRZNVBQb0o3WEc2ZEdfWDlhTHNrOEpaczlralBCUmdyTVdmZkE?oc=5) · Texas Tech University
- 2024-08-02 [Sheep and Goat Field Day set for Aug. 16 in San Angelo - AgriLife Today](https://news.google.com/rss/articles/CBMioAFBVV95cUxOMl9KZUdyVDhRQ3EzRG5FSXRRek5DOG1aLWRUV2xJRHRLc0lnVTQtWUowY0c5NlNkU1Nvc2ZTOWp6VjVBMVhNQjhYcG9ndDFVcC1xeHpkaklQTzBNcmNiRl9ubTRiTTZta01JUnBRVnlYMVltb0pfM3AyWjZTWERNZklReG1ic3dBWlh4YzBnN2ViNGcwM2wxX2hCU3YwMjVy?oc=5) · AgriLife Today

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3080 (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/8.json (key "3080", 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=3080
- 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