# TEXOMA
Fritch, TX · NCUA charter 4292 · asset band <$50M · latest filing 2025-06 · stopped filing after 2025-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/texoma-4292

Who the members are: federal charter, manufacturing (single sponsor), organized 1941. 758 members of 15,000 potential (5.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 65.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $7.8M |
| Members | 758 (-5.1% YoY) |
| Full-time staff | 3 |
| Net worth | $2.2M |
| Net worth ratio | 28.1% (p91 of band) |
| ROA (annualized) | -4.17% (p2 of band) |
| Total delinquency | 0.72% (p52 of band) |
| Net charge-offs (annualized) | 0.00% (p26 of band) |
| Loans / shares | 87% (p86 of band) |
| Cash / assets | 37.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.21% (p88 of band) |
| Operating expense / assets | 8.41% (p97 of band) |
| Vehicles % of loans | 72% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.41% (p47 of band) |
| Vehicle NCO | 0.00% (p28 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 17% |
| Average share balance | $6,875 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $9,751 |
| Loans granted, annualized | $2.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-07-15 [Texoma Community Credit Union hosts Patriotic Blood Drive, supports community - News Channel 6 | Wichita Falls, TX](https://news.google.com/rss/articles/CBMivAFBVV95cUxQU3ZPMnh3a2hjbWV5cHFfM3phMzlGRFdxQmF3RmpINkY2eDlnR01fN0p1OV9VZXBoajdPbzhFXzVNdHJkWmdKTUlNak9zSHliUHBUZkh6NjFad0xtekkxQUpJeFBRZXpWS3AtVkdQRkN0M2x3UF9ZUl82WFpMWVZUUTJZUkhVOE0wRzJYbTB1QzM0RnJBWUJtV21EbUlzZ1dnZkhYQWZ6aTh4VXFLRnpuOFRkcTI5R2p0VW5CNA?oc=5) · News Channel 6 | Wichita Falls, TX
- 2018-06-12 [Texoma Community Credit Union’s Big Announcement - Texomashomepage.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQeFNfemhPU0JVOWlsR29Cdm5HZ0RTa3FSUHVEWnhBZWI0NU5SVjlqUmNrbzJOYXB1VDNrb05oMEhtM2hCOFcxTjctclFsZXlYZGxWZFpSdG9FNzR6MzdGc3EwbUtjZUVyaktJbFR6bTlRMlBNdmpDRWpwSTdRWDJNSGNFcFRHU1dhOTQ1ZFJFdndkbENBWUZNU1NEc03SAaIBQVVfeXFMT1djQk5tcjJZcFdENzBfQ3dBcmlIczQxbzZfNjlNc0xjWFYyeW45SzVybVdKTFZJU21MYmRWZUhDc1BCOS1Tc0pILWdJWVd2LUFRUl80RmdBakQ2QU1oSkdhc0JCazNfc1hETEQ5cmo2aWlkQjQ4N2o2YXlBZlpCTzlaUFRyNEFyamtfT2UzQWxTQUNGckZZSTVzYUtfOW9rX1l3?oc=5) · Texomashomepage.com
- 2017-12-19 [Surveillance video released of Denison credit union robbery - KXII](https://news.google.com/rss/articles/CBMiggFBVV95cUxPRmRma2FWQXFSMXIybkMyR0dKODV2RkJIQnR3dGNUaFNuUVlTUjVuOVlzbWlmWGdUV25JNHNLMG0zQzdrU3U5RmlBVlN5aWJRcDdjaWpNZmVIR2U4am9uV25GV2REX1FGU1hfMVRFV1FtRlBFVkhnd01zemoyTzh3MnhB?oc=5) · KXII
- 2025-02-07 [Wichita Falls credit union employee charged with embezzlement - Texomashomepage.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPTVBaTFAxblZzRlA2Q1dBZTJsMzM2RjU5M2Z6ZnE2UFJqd2xkeVp2MzJ1ZXBPbDIyZUtBWklHYUZFakpYVjl4UktMTEpWM1V6WjY3RGhBNDd0cTlaaWxlczVyUllaaWZUMjRJaWpXVjcySHZJc2wtaUtvVDhTVHZTd19FTUZLZ3l4SExfcmZ6bjFMVGxPc1MyODlQcGNiVjNtR1VEWWNiSnLSAa4BQVVfeXFMT0tDV2VxS3VxYURkRkkzSlRTUHhhMlNNOTZFOVlPNDJSeG9YbEN6SUZaeVBNZWtEMGxRcTlXRDg4SG9lSFJrc2gxM3dHX2Y5akJEUkZnRFJxbzhoS0c0SXBvUkQzeGtXaFItemxpOHFlbkxtellWem1LUTNZd21POW9wa0pHLXZ2dkdDOTg4OEh2bDZwLUR0eG5sUE1vem05UVVCZnFDRm9fdjdjMWR3?oc=5) · Texomashomepage.com
- 2017-11-29 [Matter of Record (Nov. 28, 2017) - Times Record News](https://news.google.com/rss/articles/CBMiswFBVV95cUxOdE9tYTBZbmROOTdwQ19YX045ZUNIS1I2aGlpNWlmNG9JTENjX0tBWjZnOGl4V3h1ZHRYQ1Q3Q3VSaTNYa25LQmk4SlFyUGVTd2tLeTJPMDhEc09PeGgxY3BXZjhfeU90YUZWMUZ1RFNKUW1wTGRQdXdIUGllNFJ3NGE1TDVLZXNWMXZicmVKaFM1NVRrU0VHZkF5ZXdZdEtKdnZyazhuT2hsajFnSUtjeWRSTQ?oc=5) · Times Record News
- 2018-09-13 [Ft. Worth man guilty of Denison, Gainesville credit union robberies - KXII](https://news.google.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?oc=5) · KXII
- 2015-12-10 [Waymon Chilcutt Obituary (1930 - 2015) - Whitesboro, TX - The Herald Democrat - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOT1JIUlpEY2RKeDBublQzQU9OTXR1RmtLaFplZk03X05kb0ZBMzBzcnhkUW0xTEZaMU0wWjVBQVBjcUphVFlORUZxVC1MUmtGdk1sSS1UNVVHdE14cmROWmVhc0FCcURpYW5qaWtjMUtlN1pEdUVTbHlSdmpINUtwaUY3djFvWjRqYTE1SEU0RDhMMEdyY0lTVw?oc=5) · legacy.com
- 2006-05-12 [Reynaldo Ruiz Obituary (2006) - Ann Arbor, MI - Ann Arbor News - MLive.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPUHk0RWdJOWNKN09oT1pjYUdTQ0VpSlo5ZGhYWFlYTzFIOUZDYWlhSnliUlhDMzV3MVBvaUZhbVVDY3FXMEpOdk9aQktQUlUtcHFlZElsWDdLT3BPVS1vOFBXZVU5dFpPSjRvbkFYc1lrM052b1F6UEJLN1FKZGhrVVpJMEVvaHNXTmlVRTR3bw?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4292 (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/4.json (key "4292", 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=4292
- 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