# CONCHO EDUCATORS
SAN ANGELO, TX · NCUA charter 4684 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/concho-educators-4684

Who the members are: federal charter, multiple common bond, organized 1941, low-income designated. 6,702 members of 99,000 potential (6.8% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *ordinary*. 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 | $100.9M |
| Members | 6,702 (0.3% YoY) |
| Full-time staff | 26 |
| Net worth | $11.5M |
| Net worth ratio | 11.4% (p46 of band) |
| ROA (annualized) | 0.21% (p18 of band) |
| Total delinquency | 0.73% (p59 of band) |
| Net charge-offs (annualized) | 1.28% (p93 of band) |
| Loans / shares | 65% (p41 of band) |
| Cash / assets | 17.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.16% (p21 of band) |
| Operating expense / assets | 3.53% (p46 of band) |
| Vehicles % of loans | 50% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 28% (p49 of band) |
| Vehicle delinquency | 0.84% (p64 of band) |
| Vehicle NCO | 0.40% (p43 of band) |
| Repossessed % of vehicle book | 0.03% (p69 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 21% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 21% |
| Average share balance | $6,670 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $18.5M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 34% |
| Average loan balance | $18,176 |
| Loans granted, annualized | $17.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $18.5M outstanding purchased (161.1% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 1.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)

## 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 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | net worth falling, delinquency 2x band |  |
| 2019-06 | 2 |  | delinquency 2x band |
| 2019-09 | 1 | auto monoline | delinquency rising, net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, delinquency 2x band |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 5 | margin squeeze, delinquency rising |  |
| 2020-12 | 6 | thin capital |  |
| 2021-03 | 4 |  | auto monoline, delinquency rising |
| 2021-06 | 1 |  | net worth falling, delinquency 2x band, margin squeeze |
| 2021-09 | 0 |  | thin capital |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 1 | loan book shrinking |  |
| 2024-12 | 0 |  | loan book shrinking |
| 2025-03 | 1 | repo signal |  |
| 2025-06 | 0 |  | repo signal |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 3 | net worth falling, charge-offs p90 |  |

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

- 2026-02-23 [Wesley John Davis Obituary December 1, 2025 - Harper Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE51akc2TzFoMklkcFVPZHptOUtMSHBnenlXMjk3M3BCVTRWYm1KOUtDcThySFVQWlN4Y2llTE1VZlk1WmNZWlJJbTRVUzB4QnpMUXJiNXFBOG1IazJ4eHRZRHVKMWx2Umx1ekE?oc=5) · Harper Funeral Home
- 2026-02-27 [Teacher of the Week: Ginger Montgomery - conchovalleyhomepage.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdkdqV2g5aHdidXRqY01mRnI4bkQ0ai1ocTVxLUUxdlZ3SlhwVG9RM2JqUUZaM21xODNvNHZNTHZfUFp1WnBtM0laMXVsUEhHVXZDRUtkNjFHbTVDRGtCMTFVdVZQSlpGYmZGLUdxTk4wOWV4Q29XZ2NjM00zc0g1Z2JCMVo2NExSZTlVYmhZaHozYy1XR2w4V3JYONIBoAFBVV95cUxQY052N0Y4eURyLTAtRkVlNzhlbWRia3pzeW14VDVvTXVRT1AwQ2UtUUwtdHpEcmNZbjlmOFFBdGEyY3JTOHBJN3dSbVRjalRaMkw4YjNYM1NaMGNidE9xNF96Q2JzaGNLUXotLU56WjU1ME9OYXI0SUFEbDhjSmFod0hWdXZzNWVaY0Y3d2NzbXozLS1PUUVKMkFGa0FieGdO?oc=5) · conchovalleyhomepage.com
- 2023-04-12 [San Angelo ISD welcomes two new faces to its staff - myfoxzone.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNM2RWVXlVVl90Rk9IdU1ETUxwY0NPeUhLME8yLW4ybEtXVFlZZmtla1pNR3p6T1lFZEdZeHdDMG9QQVh1a05IczJ4Z3ZzS2R0VEtFcjRPTWlwalkyOEprSGlyOVU0NnVsQllEVUYzaWo4VDJoUFJJdmRrYnR2RVFMM1hCR0E1ZEcyVmlJMFRPdmZjX2V6WTVyWlB4d29fU1lRYzNwM040MHEtSzBZT01kLVE4N29yaDdPYVdPZXlJSzcwVms5WWpySGxoUWZIMDVWQmc?oc=5) · myfoxzone.com
- 2021-09-27 [San Angelo 20 under 40 recipients includes city officials, CEO's, bankers and more - gosanangelo.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNakVqX0MtS21xdWZOTVM4U2Q4WGlHb1V5eU1QMHhkZGZudDVBUkwtdWZNU3JYdEpQY1cweHlSQlRWZWFTWElfRzJJanBvZGtNRkpXR2xYUV93Tk1nR0hrdGZRNmNZRko4UXYyZFJoVDg0WVB6U1hpYm9kWmRaWlZPVVI4ekVLZFFXbTQxMDNVdUpQeDBpYURCZzZZclJUelNOUXVKX3NRTWlOd2xPYU9B?oc=5) · gosanangelo.com
- 2023-12-15 [Grace Lynell Seaton Obituary December 15, 2023 - Harper Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE5IWjI3MklibzZUdWIzblZiYjlEX0RfOFlMU2dKbnoxRktZR1VuY1JNTDZabE1JNlNlRkJHZFJuNlJwOThBZ0xVOE9GSjdUYTlJTlpycE1vbEJYcHp6SnQyc1JCd0F2cW50aDBlcXp2WmVlWjA?oc=5) · Harper Funeral Home
- 2025-10-03 [Teacher of the Week: Coach Kent Sherrill - conchovalleyhomepage.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNb1lsdEFsRmFCRE9pOXJJWHB3d2hUQ2c5dXQ3bzNqVVRaVkZLNlAwYlZKdDF2R2wtdmRFZXFXYk45aFdvYWJEaWg5N29Ga24wU0NzZzU0ZmRzcFJ1cW1mZWdCZ2c3RkVHVlc3VzhLVER0Vi10TzJZN2VmLVREYjNiOHFVUy1sWW11dWVsZC1mTjZNYXlMYTdtX2VQVVh3Z9IBowFBVV95cUxPT1JBRVZMcHlQcllDNC1mWVlTNDU2d0FPZTdLR3g2WVhWaUVCSk8yMThIY3ZOd0lYci1EM2RpWVJqV1ZqenN4b3BrejBzV0o0dmg5R2dpOGsxQms3NFVCOGRpc2ZHRkxmQlljRlhldGVmLVJkMlNGdTZhVkQ0Um1jdXY5MngzaU42NlpMdHB6SGh2RnJXeXFyRWhLTldsUkhxQk5J?oc=5) · conchovalleyhomepage.com
- 2005-08-10 [NANCY LOWE Obituary (2005) - McKinney, TX - GoSanAngelo - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOQzQzVlcwcEhScHVIcjVOV0ZmSXFwU1NUa0hZTjBnSk9NWk0wODU5dC1COHZOWUhjeTZ3YW4zX01zNk5QRGZ5OS1tMmRJVW1wQjlXODJWNXR3eVJfMEdBcENjNmJxdERuRXQ0aDgtWllOWEN0dDRoS3ZpbkhnREtmbnZKc3ZzTDRVUHc3S3l3?oc=5) · legacy.com
- 2001-12-23 [RUTH HILLYER Obituary (2001) - San Angelo, TX - GoSanAngelo - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPRFVmYm1wcHZtd2Mwcm1ZR3ZBWUROTmlwVEMxWUNrNUU2MXgyVzM4MExtZnBITTM0UzNBTWtJMDAzZEd6TnEyM2hocndBWGlDc1dSS2pCNzNEMVhjR1ctYm16U0swbHhuSEdRTTFUTVZlbGVPd2E1ek1fdmNDcVFocExNZFRhZF84OW1FT29yb0s?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4684 (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/12.json (key "4684", 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=4684
- 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