# TEXAS PEOPLE
Fort Worth, TX · NCUA charter 5337 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/texas-people-5337

Who the members are: federal charter, multiple common bond, organized 1946, low-income designated. 1,927 members of 150,000 potential (1.3% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 91.

**Verdict on the desk:** this could be *quiet fade*. 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 | $24.7M |
| Members | 1,927 (-10.8% YoY) |
| Full-time staff | 8 |
| Net worth | $4.5M |
| Net worth ratio | 18.0% (p66 of band) |
| ROA (annualized) | -1.14% (p9 of band) |
| Total delinquency | 0.58% (p47 of band) |
| Net charge-offs (annualized) | 0.98% (p86 of band) |
| Loans / shares | 88% (p89 of band) |
| Cash / assets | 26.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.87% (p84 of band) |
| Operating expense / assets | 6.28% (p91 of band) |
| Vehicles % of loans | 53% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 2% (p87 of band) |
| Vehicle delinquency | 0.49% (p51 of band) |
| Vehicle NCO | 1.43% (p90 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 18% |
| Average share balance | $6,547 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.1M |
| Loans outstanding per 100 members | 91% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $10,068 |
| Loans granted, annualized | $5.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.1M outstanding purchased (23.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -5.1% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | losing money |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | members leaving | losing money |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 1 |  | members leaving |
| 2018-03 | 2 | losing money |  |
| 2018-06 | 1 |  | losing money |
| 2018-09 | 2 | assets shrinking |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | assets shrinking |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | loan book shrinking |  |
| 2020-03 | 5 | losing money, delinquency rising, members leaving |  |
| 2020-06 | 4 | margin squeeze | losing money, delinquency rising |
| 2020-09 | 5 | net worth falling |  |
| 2020-12 | 4 |  | net worth falling |
| 2021-03 | 5 | losing money |  |
| 2021-06 | 6 | net worth falling, delinquency rising | loan book shrinking |
| 2021-09 | 4 | delinquency 2x band | members leaving, losing money, net worth falling |
| 2021-12 | 3 | losing money | delinquency rising, delinquency 2x band |
| 2022-03 | 2 | members leaving | margin squeeze, losing money |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | net worth falling |  |
| 2023-03 | 1 |  | members leaving, net worth falling |
| 2023-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2023-09 | 3 | assets shrinking | delinquency 2x band |
| 2023-12 | 2 |  | auto monoline |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | losing money | delinquency rising |
| 2024-09 | 4 | expense trap, delinquency rising |  |
| 2024-12 | 4 | members leaving | delinquency rising |
| 2025-03 | 3 | net worth falling | assets shrinking, expense trap |
| 2025-06 | 4 | delinquency 2x band, delinquency rising, assets shrinking | losing money, net worth falling |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 | losing money, expense trap | delinquency 2x band, delinquency rising |

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

- 2022-01-13 [Credit Union’s New Chief Executive Officer - Texas Border Business](https://news.google.com/rss/articles/CBMif0FVX3lxTE4xd25QQUpQQVhVbG4yS0E3NVJmenZYckFIWHlLanNUVXdxWHlIbEdOUGlrRTZqMHY2blg4Nlc5OHpVOUJEWXpsUnU0TVc3RXZEdjhsbmlFYXd5azhjek9DU1B3M3FpMVFPbmR0emtkbmdJOVFyNmREM3JqMVhadzA?oc=5) · Texas Border Business
- 2026-06-11 [Texas People & Companies, June 12, 2026 - Connect CRE](https://news.google.com/rss/articles/CBMie0FVX3lxTE1XcjZ3V1BxOWEzSFZfcTN4UkdKQjRzWHVxUlQ2ZWg2SGd4eHVQSlpRWFFvSHdoTTBudkZEMFF1UWNWNVYtUnNvNnhmdjB4dHRrbFUxTTV3RzdjX2gyR2VpUGktRHRVV0ZMdTk5Q2F6eGtMX3I3ek85bGRiYw?oc=5) · Connect CRE
- 2023-03-07 [Texas customers find the “sweet spot” of local banking - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQMVFUeFJkUmFSOW9YUFo3cmVkcXowV1AtbTUxeEtCUzg3NnpvNWNodm9CWEhBbXVRRU9POXppTGxrT2MtTGJfMnlpVHljSG80TjZrQVBrVUhJNWQ4OWVPQmNvaEpJdVVieFFKTVpMeEdzalFxYlZxU2plZzNNWDNkN3BuYmtFVU5nLTFvbl9vQmlnUHdxdXRCV09STmlwNzgtamJtMmV3WQ?oc=5) · The Business Journals
- 2026-06-26 [San Antonio member of State Board of Education says new curriculum proposal offers dishonest view of history - San Antonio Current](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPLWQwWlJ0bDEwdUxMbDFJRTlfR2hvcU9NNVhsakdYaTVhcGd1SEcyQWpnQnlycy1uYktkaFh6TEk3bURGTDRYNGszSmVUR1ROaE15bmN0bEY3RHZaSzdqSW9ndXZsbGNnNmNSSlVkc0RxWFRsTm5lUGxqZl85NFRnOWp3NjV5d1FZUHE0SXR0R0V4Q2tibjNmXzVaTlA5UzNuQjI4aWdBOHM3al9JX29LNFhrdWdPRi1kYktWbTVXMDVPSlcyUjBRMGVaSnQyN2czZFZoc0lENFpSa2kzQlh3LTJFMFViQQ?oc=5) · San Antonio Current
- 2023-05-15 [Mary Morris Obituary (1927 - 2023) - Fort Worth, TX - Star-Telegram - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQeWJ6RWUxcU12ekVUWmVTYTFsMXY4YUtVTmEyWU5GbERORFpybVJMcDcxN1pFVHBOc2R1VEVPWW1SZ3FxMEw3Q2UxaFpvRy1SZGxBVTlSQ0ljVzRvUU5zZ1ZINlFHVVM3VW85dldQTjRTYzhNMGJIQzZESmtGcXV1eHlBUjU?oc=5) · legacy.com
- 2013-03-05 [Betty Moore Obituary (1936 - 2013) - Mineral Wells, TX - Star-Telegram - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNdzRxb2RuNWlWRlN6cHdqRGc1ZWpBM0VpQlZBMmpidzkzc0VkQkdqdXlCNjNmRUJNZlRST0hwVUY2Ykd4WndqS1JwM0xjYjNUak81cHp6MzNvRzF2emxDOFJLNTcyckpoYjN6SzhvdldBUG5jMEdmSUd2M3FJMklFME9UN2s?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5337 (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/25.json (key "5337", 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=5337
- 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