# PANTEX
Borger, TX · NCUA charter 3571 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pantex-3571

Who the members are: federal charter, multiple common bond, organized 1940. 14,640 members of 98,041 potential (14.9% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $239.2M |
| Members | 14,640 (-2.1% YoY) |
| Full-time staff | 40 |
| Net worth | $51.1M |
| Net worth ratio | 21.4% (p99 of band) |
| ROA (annualized) | 1.57% (p92 of band) |
| Total delinquency | 0.81% (p68 of band) |
| Net charge-offs (annualized) | -0.02% (p1 of band) |
| Loans / shares | 34% (p1 of band) |
| Cash / assets | 5.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.48% (p44 of band) |
| Operating expense / assets | 2.82% (p19 of band) |
| Vehicles % of loans | 72% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 11% |
| Third-party paper % of net worth | 18% (p30 of band) |
| Vehicle delinquency | 0.90% (p72 of band) |
| Vehicle NCO | 0.22% (p23 of band) |
| Repossessed % of vehicle book | 0.42% (p94 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 20% |
| Average share balance | $7,429 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.1M |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $13,288 |
| Loans granted, annualized | $23.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.1M outstanding purchased (8.1% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -1.6% year over year.

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **auto monoline** (`str_vehicle`)

## 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 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 | assets shrinking | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 2 | auto monoline |  |
| 2019-09 | 1 |  | auto monoline |
| 2019-12 | 2 | auto monoline |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | assets shrinking |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 | net worth falling | assets shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | repo signal |  |

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

- 2019-03-05 [2 arrested for Pantex Federal Credit Union armed robbery - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.com/rss/articles/CBMilwFBVV95cUxQbWFBQ3ljclJwa2xIM2lXTm5JVzF3ejBvLVdlOGJyLUhlcEtKdGZYQ3piWU81cmtvOGo1VVNLUU1lazJuODkxeXU0Zi1hZ1FBalZUUFg4cld2WVA0bDNnSnpjek9lVVJULUV4eEJGZ2VtaGxaTWMwcEJzZ2t6Uy1mS1VBNy1ObkVxUVQwSXVxYTI2MkxqbldR0gGrAUFVX3lxTFBiTUdLQm45U0t3bWNRZlJQZ3BkdmZRS3BqVlN3RzNWRkNmYk4yS1BDVDBYOGxtekc1UG9xd1N5YTNteDU0Qk9CX2Z3OVNCREFwa045RDVwampqV3BfUFAxdlpiam9VcGhqajJUMnBWWDhGRDN4aTdfUHJMT3M0UFk5UWY2TERWOFVCLVlmbm1QeHNYZGtBVXlPdUpCb3F5YkpxSXEyNDBfS3JwRQ?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2014-08-08 [Missing funds spark investigation at Pantex Federal Credit Union - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiekFVX3lxTE9HVGtnZzY4VkluRUYxQlZIcUxqR1ZTUjhxSGhnbVJIUmMtVmtxdHZ4TFdDUm9Zdm9XZXdDd1BySDZ5Q0ZzajgwUklNVm9mYXl5ODBacVV1bXdMdl9rNUEySkNfZEZQSHltOHhDd2oyU0d5eGx2VGo5dXFn?oc=5) · Amarillo Globe-News
- 2019-11-22 [Pantex Federal Credit Union alerting members to phone scam - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.com/rss/articles/CBMingFBVV95cUxQT01fZ2tsYXRhWEcyVnpYZ1J1aWlvRUw0b1hvUVdzMEN5bVlacmdWOGg4bUxQM3B0ZHVRLUZoOTJpeGEwUlFxckE3WTNYMW5sRWNJak1jaGRSYTJtaG11M0c0X3hWT005WlE3UTk2cWJWZ1dlT0dEbGlDWHRNV2pMbjJUUmRuaVI0bGhBQzFib2hyMk5vUlZBZ2lfOFcwUdIBsgFBVV95cUxNWWc2d1d5X3hzQnFCMjNNUWpLVzVxMFpsWURUYjFjSml6V3owa1BLTFRrM1Q1MkE2VEw5cEVGOUdnZGJTUk54YzZjbEM5Wkt0UDd5VHoyUUJoU2NMeDBsM0N2S3FnVmtnR2thZVh0TEhBZElTbGt5LVR4ZzRtX2N5N3lkTV82MXpqblZtQjBleEpjY0RhWDlxTUptWFEtMTEyWG9hUnZ5Q2NlVVJPZWtiaEln?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2020-12-21 [Cindy Seymour Obituary Dec 21, 2020 - Minton-Chatwell Funeral Directors](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9YU3otUFVMbHRzTEprY29IUkpMWmNVelJIeUxmMWUzcnE4ZlRBWHhfXzFIMWZHeEZOM3M4RlhDTDUxYTF5QnlWRG1JNVB1b2JFTmp4aGtUZU1vYmxRal9wSnN4ZklLZw?oc=5) · Minton-Chatwell Funeral Directors
- 2024-12-30 [Donald Gene "Blackie" Blackwell Obituary - Amarillo, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMimAFBVV95cUxQVm5uTE5Tb1pBTFFfVmhua2o0UW9INjBGY1lxWW9uLVFtVjFFbF9ISnU0WW5OZWtHeFpYNFJjaGpHbG1QazN1RXdrRGVVSkEzVXdwNVJvWUt1Mk9OcFo2dHd0bTNnbWwyU2pXVFl5a092T3J6bFZUUnZOOEtsNnlfbENNZHRqMWtUY1JnaXp1Qll2dDRLTEt2Rw?oc=5) · Dignity Memorial
- 2014-02-12 [Pantex promotes science, math with community programs - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiswFBVV95cUxQakl2RkJFNHJmNS1lR0FLVlBlM1lheWQ2Q1oySnpTQ2lYbzFRUGxBb2JsYlFxcFVWMU1ZTTJuTlZYNkJhNU8yZjJjX2paU3RMY2o5QXp1MExqZE1kbGh2RElyN1lLRHlvWHBkY2gwdU5KaDFOTFY3TGZVV0VjY1hkd0UzdFM5Z1NuRDA2NHJVNzdQQThmeE12eDlWUmcxQUVxOWlsaW9IdmVhY2tocGgxSmVJcw?oc=5) · Amarillo Globe-News
- 2022-01-29 [Mary Henderson Obituary - Amarillo, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNQkp3ci1FWThXTmduT09fMXVJdGMwX2d6TnY5UE4xZTdDRENwREhjYkdaaU91cUVXZzhxaG9NQ0tmcllNZG1KXzdlWXNPXzN6SlBwV2oxdGZPa25FT0JYRThDcEFfNmRVZlAyejg1RUFxYmJpTjVVRzhCenNxZmUxQ196SDg?oc=5) · Dignity Memorial
- 2007-11-09 [Mason Frost Obituary Nov 9, 2007 - Minton-Chatwell Funeral Directors](https://news.google.com/rss/articles/CBMiY0FVX3lxTE90OEZVb01kUUZQU0xueXdOcjkwUUY4RDRFMnRmMmx2Z0NsUXpwUF9seDdFUjJtSWFoc1I2X1NRQ1RMY1AzUzFUNG9fbXdua3diR2RJUm9zeFBJUU10RGhSUl9YNA?oc=5) · Minton-Chatwell Funeral Directors

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3571 (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 "3571", 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=3571
- 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