# TEXAS PLAINS
Amarillo, TX · NCUA charter 3828 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/texas-plains-3828

Who the members are: federal charter, multiple common bond, organized 1940, low-income designated. 9,943 members of 259,000 potential (3.8% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $73.2M |
| Members | 9,943 (10.1% YoY) |
| Full-time staff | 32 |
| Net worth | $9.9M |
| Net worth ratio | 13.6% (p58 of band) |
| ROA (annualized) | 0.33% (p31 of band) |
| Total delinquency | 0.79% (p61 of band) |
| Net charge-offs (annualized) | 1.54% (p95 of band) |
| Loans / shares | 80% (p82 of band) |
| Cash / assets | 18.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.57% (p89 of band) |
| Operating expense / assets | 6.63% (p98 of band) |
| Vehicles % of loans | 64% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p56 of band) |
| Vehicle delinquency | 0.22% (p26 of band) |
| Vehicle NCO | 2.18% (p94 of band) |
| Repossessed % of vehicle book | 0.36% (p94 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 90% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 32% |
| Average share balance | $3,739 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $122,980 |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $13,710 |
| Loans granted, annualized | $22.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $122,980 outstanding purchased (1.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 12.9% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2025-12-25 [Texas - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNM0d4d05XbEdGSjR0YTRMN3p0UjQ2Mi1HUUhTUmpqZGtmcG1yOHFOUE1RQmRLQUF6M3NPZzhCcS1LMUZpWUE4ZE1ZMGViYldKOEtGZzFWek9PTURXcmkxQW9ZY3ZuSFQwNzcxYjBFaWhkclJlRk1SYUlhQmVRdlY2ZkowM0ZpVHdoXzhV?oc=5) · Newsweek Rankings
- 2019-08-13 [Area credit unions working to make miracles happen for children in the hospital - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.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?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2014-06-27 [Man gets 3 years for Texas Plains Federal Credit Union robbery - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiogFBVV95cUxOajhsOXZfY0dBSUs5NzRmbGM1TGRhTDZ3aTNQVUVKcjhHcXhyWVl1VzRQZjdLand2WDJVOUF3NmJzNzh2LTNvTHR0aVNxNWR6VmRuMFZwR0RYLURjeWlpQzBEMGpCeWY0SFAwQUw4OS1Fa0FOWXJyR3FsR2pQaG96NTFmSGpMd3BsNUtLLUF2bmxFMGNEMEJabkowQjdPRzJMSWc?oc=5) · Amarillo Globe-News
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Texas - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcjBZanBlODQ3dWF6andRNFV2bi1qUU5UV3lGVXpKNU5iVFQ1S0dvbzRLQlJIQzJ4S3Rsa0pNMjJsbTBkNG1ZR1Y1S2JOOVVlckdsaTlCY1dsR0I3WDQyalF0VllMTm5WdFNxTGlmbkFyNHA3WlduNUl5elFrR2l0Z2JPb1ZuQmJnSkNR?oc=5) · Newsweek Rankings
- 2013-01-12 [BizStream - Amarillo Globe-News](https://news.google.com/rss/articles/CBMigAFBVV95cUxQUEtkQ1d3SWdmWkYza0gyTWhVaWpTdDRaa1puWndacVZyWDgxUmFRUU1haHJxUkJFUjFVS1pSVldnbS1ZRHMxMHYzRXBTMnFyVU9Nb1VKbVNqS3pzLU0zNlJhMDBHckNXZlYtY1JPMXJ3WE9uVlVwQlZoVmNfNXZwZg?oc=5) · Amarillo Globe-News
- 2024-02-01 [Wyley Chaney Obituary (2017) - Amarillo, TX - Boxwell Brothers Funeral Directors - Amarillo - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPZVRudzI4dzJjYm0yTGlZRGh2VVNQTC1BQjVxZ05ZWlozUmJSYXIzcUh0SUxhU0ZvLWJ3TkExM2NEU1NZUHhYaTdwM01XZjNsbUd2Sm0yVUxXMXFCY0NNX3dzTnhxYnNxcWlQSDRmR3NDN1ZUUUM2YkdCejBXWURLUA?oc=5) · legacy.com
- 2025-04-08 [Best Banks and Credit Unions in Texas 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPaHVBQTVTZmk3enlkTEFtTmNFVlFWMlpoMmJXcXZocEVHeXp1dmNJS1daUkpqVDROaXhqbnRhQXFSRmJfNXNmSkJhYW9UZDctTUl5bzVKQkpuWUpfNDg3TGRSajRaTFFYa2hpX1BUSFh6OGdibzFUX050UktoUmQtdTlqanY2NGM2cWNj?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3828 (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/52.json (key "3828", 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=3828
- 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