# C-E
HOUSTON, TX · NCUA charter 3833 · asset band <$50M · latest filing 2021-12 · stopped filing after 2021-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/c-e-3833

Who the members are: federal charter, multiple common bond, organized 1940, low-income designated. 3,404 members of 5,500 potential (61.9% of the field); checking penetration 19% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $25.7M |
| Members | 3,404 (1.3% YoY) |
| Full-time staff | 3 |
| Net worth | $1.7M |
| Net worth ratio | 6.8% (p5 of band) |
| ROA (annualized) | -0.39% (p15 of band) |
| Total delinquency | 1.02% (p68 of band) |
| Net charge-offs (annualized) | 0.55% (p84 of band) |
| Loans / shares | 51% (p55 of band) |
| Cash / assets | 32.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.59% (p59 of band) |
| Operating expense / assets | 4.17% (p82 of band) |
| Vehicles % of loans | 71% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 0.50% (p59 of band) |
| Vehicle NCO | 0.26% (p75 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 3% |
| Average share balance | $5,255 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $8,562 |
| Loans granted, annualized | $6.9M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 3 | repo signal |  |
| 2016-09 | 4 | losing money |  |
| 2016-12 | 3 |  | repo signal |
| 2017-03 | 4 | capital below 7% | losing money |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 5 | net worth falling |  |
| 2018-03 | 4 |  | net worth falling |
| 2018-06 | 4 |  |  |
| 2018-09 | 2 |  | capital below 7% |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | delinquency rising |
| 2020-03 | 5 | net worth falling, losing money, delinquency rising |  |
| 2020-06 | 4 |  | losing money |
| 2020-09 | 5 | margin squeeze, loan book shrinking | net worth falling |
| 2020-12 | 5 |  |  |
| 2021-03 | 7 | net worth falling, losing money, charge-offs p90 | delinquency rising |
| 2021-06 | 5 |  | net worth falling, charge-offs p90 |
| 2021-09 | 5 |  |  |
| 2021-12 | 8 | capital below 7%, net worth falling, delinquency 2x band | loan book shrinking |

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

- 2026-09-03 [Raiz Federal Credit Union Transforms Community Banking with Alkami's Digital Sales & Service Platform - starlocalmedia.com](https://news.google.com/rss/articles/CBMiqgJBVV95cUxPb3ROaXktek9lak1ULWR1TXNyZ0VyajUxLWJLMEQ2QWJfSXVUS0x0TDZUWkNLa0RWLVYycUZRRWtJeTZZa3A5d25TX2ctVzByZThkLWY1YWVzcHl6d3gtbkJweFlPbE0wamFTVzZpYXVicTd3WFY5bWVOVzBLZGtfQnNwSmhSajdoNGZybVRYRWM4WE9QdWdLeW5feXNpc0FmakduZnFhZzFpS2xXaGZMZHNXd3FaSWhId0o0cjR0amEwejJXMElHRExTR0lxSC1kTnkxQlZLYms4cnZRWTlSeE5HM3lVeUNjZXQyTlVReFk0YW1JM2FXTXppdDRhRHNfLThSLVNPZHVKelpXUWZoVUxBVDg1YkdmTDhXRG1qZDZQZE02LWVJQnRR?oc=5) · starlocalmedia.com
- 2024-01-30 [President/CEO of Tyndall Federal Credit Union Announces Retirement After 20 Years of Distinguished Service - Business Wire](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPYzczREw4Z2lRWjI2X2huQm40V1hKNmZmN3VIcnA3bmVXX0tuRk8xVGRleXBROU1oSjdRdm1BRnNqRGp2QUoyRnNudmZNZE9XbVdrcl9weDN0c2VjT2xJdjVjVGFFdWdoVHo1UXZ0d1l0ZXlJWXpBb1NPVHo2VDZ3YklfdE9hbmtfV2VxdHBoaGc4OWU3N05sUzVhdkFnNU0wSDhMM1ozQTB5TVRSVnlOa0FfdTljelRRY1pITXNoOS1lY3RoRl9ZU0RMSllEUlNEZmwtQ0NPM2hibTJLNGZLSGtPcGVkNDE4NkdnSGRQU3lFb2NG?oc=5) · Business Wire
- 2016-09-25 [First CU Transitions To New TranzCapture RDS Platform - cutoday.info](https://news.google.com/rss/articles/CBMilAFBVV95cUxQRnhDN2ZxVE0talVmSk9pYkg2WGIxVTV6OU9SaW9jZXVZVlVfS0pMaVhSbkpseUZ5RzFPVWlGaWdzd1JHZ3A3eU5McXhrejdYbE8xNWN6MVh5TkhfSVdvNkRrNlJnLVJHREVvZnJtZWRyUEMzWHpzTnFrYWxHQ2Q4ZXN0RjFwTENmUFBuYnU5UWRnejlE?oc=5) · cutoday.info
- 2017-06-05 [First Community Credit Union Announces Bunker Hill Branch Grand Opening - PRWeb](https://news.google.com/rss/articles/CBMivAFBVV95cUxPMmNWMDZ1RGdOcWRjLWw2Z1kzbEs0Qnljc2ZJdEdwdTJpdGctb19yQmFSaXE3X1pJN3JNV2l6Wmltb2VYZS1sVEhId1hub0ZyT2JiZk9TdXU1U3lKaFRjSGtqTTBMM3Z1ZHhOTjBvTGo1ektxM3NwUzZUcjlwcVVkSUtHbVhCX0lNVjAyZ2lDVS1GU0cwUE5FenRWcW93Q2tOVkV1bnN5a004NzhWMkZOSVpWUDNNV1AyNWtfRA?oc=5) · PRWeb
- 2025-04-25 [Pet insurance launches urgent pay service - DVM360](https://news.google.com/rss/articles/CBMieEFVX3lxTE1PN0NjRG90X0lOR3ZQaHFUb2hLYXpDME5QTDVzdU1jQVZiMTJ2clV0b3NTTTlhOVpiMXhWaUVVLWJEdDhyaEY5WGZOenp4QTZHNXdLdVVLUnA0M3MwNWZNLW8yNWJEMGtybjRUX015V3FqcU5RS2g4cg?oc=5) · DVM360
- 2024-07-30 [By the numbers: Abstracts of judgment; state and federal tax liens; assumed names - lmtonline.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNM3oyXy1JNUZ1R1Q4OThnN1dBdEx0dEV6eU42cUlKWldUYi15UEtXSDBpSXdPRi1PZmZ3R1BZWnlwVnM2bHhVdnpORFFYVVRCTUxXeXNGY0tRLTVQdHl2Skp6RUFMOHVNc1RRQ3E3TWVHZ3Roem9LamlFZEMyRzJmZ1pBZWdhYXJRR09pSGFWbm8wQ2dUdHVZaXhpX25FQQ?oc=5) · lmtonline.com
- 2021-08-27 [Most expensive high school football stadiums in Texas - Chron](https://news.google.com/rss/articles/CBMisAFBVV95cUxNVVRwVE50QjhCXzhFbHdTVmE0bTliWE5SS2lPNWRSZ1NSZnpxMnhQUjhudWpYaFVSUFRZckpUa0dOTng3ckQzVGNSYk0tbFMySjY5NEQ5X1YwaU1nSnl6YUxWMGg1RFBrRXZia0hEc180X1dRVFE5YW5kV3FIc1dobzk2bjR4c2pFS09tcF80Rm5TUDNkcEpyU19Kclo0OGxWSnJ5TmljWndkMFUta19JdA?oc=5) · Chron

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3833 (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/57.json (key "3833", 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=3833
- 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