# MEMBERS FINANCIAL
Midland, TX · NCUA charter 4020 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-financial-4020

Who the members are: federal charter, community charter, organized 1940, low-income designated. 3,301 members of 322,126 potential (1.0% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *too clean*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $35.7M |
| Members | 3,301 (-1.9% YoY) |
| Full-time staff | 8 |
| Net worth | $3.3M |
| Net worth ratio | 9.3% (p12 of band) |
| ROA (annualized) | -0.76% (p12 of band) |
| Total delinquency | 0.17% (p30 of band) |
| Net charge-offs (annualized) | 0.54% (p77 of band) |
| Loans / shares | 65% (p61 of band) |
| Cash / assets | 39.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.13% (p22 of band) |
| Operating expense / assets | 4.12% (p62 of band) |
| Vehicles % of loans | 67% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 10% (p90 of band) |
| Vehicle delinquency | 0.03% (p33 of band) |
| Vehicle NCO | 0.29% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 44% |
| Average share balance | $9,648 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $331,275 |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $14,041 |
| Loans granted, annualized | $8.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $331,275 outstanding purchased (10.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 8.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, losing money, expense trap, delinquency 2x band, auto monoline |  |
| 2016-06 | 6 | repo signal |  |
| 2016-09 | 7 | charge-offs p90 |  |
| 2016-12 | 8 | capital below 7%, net worth falling | delinquency 2x band, repo signal |
| 2017-03 | 7 | assets shrinking | expense trap, charge-offs p90 |
| 2017-06 | 8 | expense trap, charge-offs p90 | net worth falling |
| 2017-09 | 8 |  |  |
| 2017-12 | 10 | members leaving, loan book shrinking |  |
| 2018-03 | 10 | net worth falling | charge-offs p90 |
| 2018-06 | 7 |  | losing money, members leaving, net worth falling |
| 2018-09 | 5 |  | capital below 7% |
| 2018-12 | 7 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 4 |  | expense trap, delinquency 2x band, delinquency rising |
| 2019-06 | 5 | members leaving |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 4 |  | thin capital |
| 2020-03 | 9 | thin capital, losing money, margin squeeze, delinquency 2x band, delinquency rising |  |
| 2020-06 | 7 | net worth falling | assets shrinking, delinquency 2x band, delinquency rising |
| 2020-09 | 7 | delinquency 2x band, delinquency rising | loan book shrinking, losing money |
| 2020-12 | 8 | losing money, loan book shrinking | net worth falling |
| 2021-03 | 8 | charge-offs p90 | delinquency rising |
| 2021-06 | 8 | delinquency rising | charge-offs p90 |
| 2021-09 | 7 |  | delinquency rising |
| 2021-12 | 6 |  | delinquency 2x band |
| 2022-03 | 3 |  | margin squeeze, losing money, loan book shrinking |
| 2022-06 | 4 | assets shrinking |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | thin capital |
| 2023-03 | 4 | 3rd-party paper>100% NW |  |
| 2023-06 | 3 |  | 3rd-party paper>100% NW |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | members leaving |
| 2024-03 | 3 | members leaving |  |
| 2024-06 | 2 |  | assets shrinking |
| 2024-09 | 1 |  | members leaving |
| 2024-12 | 3 | net worth falling, delinquency rising |  |
| 2025-03 | 5 | margin squeeze, members leaving |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 3 |  | net worth falling, delinquency rising |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | net worth falling, losing money | margin squeeze, members leaving |

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

- 2025-10-03 [How InTouch Credit Union Empowers Members and Strengthens Communities - Local Profile](https://news.google.com/rss/articles/CBMiugFBVV95cUxPeHgxNTFLd0g3UFE2azVBUHB6NzlzclVUeFREU3NOU1BSMXN4T3pTSm1QZzdKNDhYVmp5Qks3LU9KaFJ6YUlrX2NHNk0zNUJEaEI3aFdobWtTSjZveThpb1dUZ1hfc2IwOF9CTHV1Nml4SlZwdnF5bGFpZmxuWlR4YXdHR0VzYkwxbWloWnhJRVJ4cnZ6cUpqRGQtZUhQb0N0cTRvM2Q4U0wxWG9kUGdVOS1pbllIdl9RX1E?oc=5) · Local Profile
- 2025-09-29 [Texas Trust Credit Union opens location at SH 360 in Mansfield - CUInsight](https://news.google.com/rss/articles/CBMipgFBVV95cUxNVmtyVzJyblVOc1BabjZ4b1FNaEZZRmJoamNJaHVUSm9meW5weGJmYWQ2OHZ4YzE3WUFVSzdIVmdfS25sOVppNDFZOXNrZXZhcXV6YldMaXRxRGNyS2xHSHltTm5qbVpVOEVWUEd2WFl2ZTZldDNfRjF2T05neWpaYVFvSUlvOFE3ZXRZdmhPTnRKeHBBRHdkQjlIQXZZNEI3YXVkeHBn?oc=5) · CUInsight
- 2025-01-19 [Start earning unlimited cash back with United Texas Credit Union’s Ultimate Checking account - Community Impact](https://news.google.com/rss/articles/CBMiygFBVV95cUxQQ1d2b0thdkRFWFQtaWtVd0d0NTdETk5CUG5sbzF2VldZb0ZOMlpkTmZXZnVPdUE5aDlNWEw1S1RmRmFrMzgwa0xXWElPeUt1ZWR0T1pyYU8tQU5qeE9RQkJueWMtcEVDWGRJQkhhbzVxZ0xtVExRT2dxSTJKR2xzWHpCZjFycU5YUjFxTXpaWGw0VjZEY3UzcWpLdFFwaHB6N2l2a3JpXzZsMGVlRU13X0EwQlNrU3N4Y0hmQ0pfRjV6T21BeUJYVThn?oc=5) · Community Impact
- 2023-09-05 [Mobiloil Credit Union set to rebrand as Rave Financial - bluebonnetnews.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNcU5idGxZc2tHWWFBc0o1RFZacVhDcHczdGxmd052QjUxZE1hME9sUUxCaVB0bEs4Q0FfN094UG1McFMxeEs0Q1pZMW0ySS1PZWUwbmpWeFl5cGFuTksxUU1HbXQ0QmZYcDZFNEVUWlZ3d2ctQ3piOGYyWm8xX2RnbzE0M3ZXTm5DWEVPLWhzVkRfVWU3VGwxRA?oc=5) · bluebonnetnews.com
- 2022-10-19 [Neighborhood Credit Union Provides Tools That Allow Members to Improve Their Financial Standing - BadCredit.org](https://news.google.com/rss/articles/CBMimgFBVV95cUxQOTlRR0VjTGJkX2lZbHdMTHFkeHdDQmEwVUVCamNrQTlCOFRUWGp0NXMzSUNUd3pmVWlweWVqQzNpSXBtdGladGk1ZEZudmdBdEdRU0JOM3h5ZklvMnRPNk95VnhfVWxteXVFU0hWa2ZKODh0ZlJ5VFZlMTZDcHY3djRQOGpnZjgxampCZ2ZVdlBocVgxTVBleVJ30gGfAUFVX3lxTFA5eVR3Y0NERnZuVHRhZXUyLXJmUnpLVHJVbE8yZXV0aGJab0dTTXVOM0JMS0czSlBrY05yM0xuel9aaktZM2podE1fdE95Y3NYM1dwbzNyVDRGQnJxUlRVMUlFUVFGTi1mSlJQWl9MQWtfQ2VOdFR6c2thUE5GVDBvZmZNWlc3QjhybUpjdUdWdHRQNHRpSWxTNFIwcTE3aw?oc=5) · BadCredit.org
- 2017-02-24 [Qualtrust Credit Union & Texas Trust Credit Union Merge - Focus Daily News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQbFI1RDFfZ1pITTFuZVZuT3RQcjZQbE0yTldybGlWRWlkaUktbGhNWnktbDJhUmtMYzUzd20zS25CUEFPa0E2dmpXWUE5U2JIdlBwci1CUWttRFFDcG1jdjdtNXE5b3lySlppTXlUWnVMNVlHWEJralhhSkhzRG5kUm5sZTRVbDhoVTlXOG9n?oc=5) · Focus Daily News
- 2025-09-05 [Patsy Hopson Obituary - Midland, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxPYXdaUjdfTVNHYzBRY2k1ZW10cDZCMUFfdkphZHVLN1h1bV9XbWRyenVGQUNsUFJ6Z3NlU1lXYzg4YlV0aGhibGhyWTdVSGNtOGVjQl9SUlUwQUM2cEh6OGJVVUxONTRvejNiUVB6UDMza21KR2hncjRXalg5VXFQeQ?oc=5) · Dignity Memorial
- 2017-02-08 [UPDATE: Suspect of a bank robbery turned himself in at the Midland Police Department - newswest9.com](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPV2R5d21hXzlLdUUxTnZhbmc0eU9FdURNUHB6U052WWNiWVA3bS0tb0dXMmVNcDVkakFybExoM1FGY3RqT0ZncWRNWHd5eS1qV1R5MW1mRjJDWVMyeWRXMkNLNTM4RlEtZG9VWm5Salo0czdfcmRJeGNPS1J6cHhYZVgweWJsV20tSngzdkRzTjBDTjlqalh5ZGZGUEhxamw1TkhWX0FuN0RoSHNDWHFIR040bEV4T1pkSVotRi1QZXRSc1A4ZW1lM01NMDhIMGxKQ1p4T1ludmtPNG1CVUsxZXF5ajNfMElhblZ5UE15SFNQZy05aWZfR2g3S29OZw?oc=5) · newswest9.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4020 (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 "4020", 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=4020
- 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