# LETOURNEAU
LONGVIEW, TX · NCUA charter 5384 · asset band <$50M · latest filing 2019-12 · stopped filing after 2019-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/letourneau-5384

Who the members are: federal charter, multiple common bond, organized 1946. 1,370 members of 6,575 potential (20.8% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 33.

**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 | $21.1M |
| Members | 1,370 (-5.9% YoY) |
| Full-time staff | 4 |
| Net worth | $5.0M |
| Net worth ratio | 23.7% (p89 of band) |
| ROA (annualized) | -1.12% (p6 of band) |
| Total delinquency | 0.00% (p6 of band) |
| Net charge-offs (annualized) | 0.30% (p53 of band) |
| Loans / shares | 14% (p3 of band) |
| Cash / assets | 12.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.69% (p19 of band) |
| Operating expense / assets | 4.64% (p76 of band) |
| Vehicles % of loans | 61% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p13 of band) |
| Vehicle NCO | 0.27% (p62 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 3% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 9% |
| Average share balance | $6,646 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 46% |
| Average loan balance | $4,842 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## 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 | 2 | members leaving, auto monoline |  |
| 2017-06 | 5 | net worth falling, delinquency rising, loan book shrinking |  |
| 2017-09 | 3 |  | net worth falling, loan book shrinking |
| 2017-12 | 2 |  | auto monoline |
| 2018-03 | 2 | auto monoline | delinquency rising |
| 2018-06 | 1 |  | auto monoline |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | assets shrinking |  |
| 2019-03 | 3 | auto monoline |  |
| 2019-06 | 3 | delinquency rising | assets shrinking |
| 2019-09 | 4 | losing money |  |
| 2019-12 | 3 |  | delinquency rising |

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

- 2026-05-11 [LeTourneau University celebrates 2026 graduates at two ceremonies - Longview News-Journal](https://news.google.com/rss/articles/CBMipAFBVV95cUxPNi1DZTJUU2JiTjdhVDVwVEhJcU82ZHM5OG9BTVJkUFBYMUFCVGpiYlN0YXJhU1RTV0htaGJNOUwyMUxmYW1IYjVQdFR4Tm5HUl9ONDFMUmpqVjItWWNLZWtDVDUzcFExaTctRzg0OTNZQUxGTzFLeEVsdGJyQm1rY3N2bllOYTVzdU1SbUNtMmwwOGVkRkJ0VHdoMmtodDYzYUVtVw?oc=5) · Longview News-Journal
- 2026-05-03 [Schedule - FloBaseball](https://news.google.com/rss/articles/CBMiXkFVX3lxTFAxWUg2TEYwd0JVZWUxZ2JZTVdGbEtqWEcxUFBaamlPbkxubnk3Nk9PZWlPelhDZ3paelZ4Y1g2bUE3XzdBdjVaMG14TWJ1RHJtbzBxNDMydFlMZ2Y1MUE?oc=5) · FloBaseball
- 2014-12-08 [LeTourneau University listed among highest for private school student loan debt - KLTV.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxNSFp6a3pUSHBBTWwyQnI3SGlzX2w2a0dtTHZieThSZUt0c0pPYUVhaGMwdlppajIyQ0ZGOTVkd1ktN0tEaXh3X19zaXFwMW9CLUFXSFJDbGE5VkVfNjJUdzlWUlhRRG1NTE5HV090NVBYYkRhYmEzcmlld1dnQkFoM1hKSWEzQVJkbkVXaWNucVhvR2dfN1A4T1N0MEJwUFBELThtYXhKTVdRalVfYUtpcUJjVjIyTnc?oc=5) · KLTV.com
- 2021-05-02 [Briefs on local businesspeople, including Slater Cram, Michael Jordan, Regina Farnese and Chris Letourneau. - Milford Daily News](https://news.google.com/rss/articles/CBMigAJBVV95cUxQTDQwa1dHb3c2dWpsT2xpRW9oNkQtTVNTaDk5LV81VkRqVE9FRm5Eb2E3X0VFbjdKLWNEMnZFOG80YlNDTXZ4WjhhTHJEdVN2WDduMjhtS1NMVTNoLUZFM1M5LWd0eHVOWmN5QVhtUk1XUzR5SWE2T2RyMW9VLWJxM0lwVGtTQlpUTkdNWGFmZmpTZlpQcFU2QTI3eEtUTmlMdTM4R1ZJd0dvbENKQlRwUHlpaFctcmg4X1hCeVFQOVI2cnp4MzdMS3dPeDhZc2xJek9mWEVwTHE4T2ZuM3pWQmxfa0YyUFNXQzA3UlZMRGZnUFF2RzNYYUc5Vm15b001?oc=5) · Milford Daily News
- 2022-05-16 [Class of 2022 graduates earn over $4M in scholarships - Longview ISD](https://news.google.com/rss/articles/CBMiVkFVX3lxTE8ycVRzYTI4SGwzM1k0RVprclYxMlVUMTNJMG03UXFhTzlJOVRfMUY3VTRiZWJWNmduTnNOT0x4czlVcDQ2aG8wQUlvUVlKbzdkUnFSVk53?oc=5) · Longview ISD
- 2017-02-09 [FBI looking for serial bank robber named "The Barrel Chested Bandit" - News Channel 6 | Wichita Falls, TX](https://news.google.com/rss/articles/CBMitAFBVV95cUxPQ0lMMWtOVFFTYXZxTzB2VDdUekhJYmdwNGNmQTZoVERCVmIzUHZLY3pLS3NfMU9aaTE5QnU3c3FTTmJWQ3paV3Jsbk1VVmM1eVpzdHBsdVpoRVkyWG9xRzFrZF9iZGEteWxwekNWQ1ZSTHltd2VYVnBZa2k5NHpDeUkwNE1kTHg3UFBteDF2UjJFV3dDcVk5cDN0RC0wb2Q3Rlo4LWl5Yk1kUWxqZFlTWkwwTFk?oc=5) · News Channel 6 | Wichita Falls, TX
- 2017-02-14 [FBI offers reward for information about serial bank robber - The Salt Lake Tribune](https://news.google.com/rss/articles/CBMipwFBVV95cUxPMklRZ1RVNG5abXJDbzV4eUhWcE5yQlczY21NN0V1V3BUMDc3azZ0VVFFSkxTMmZJdmRkMHVaM1BPSm51T2YxUV9qblR0Zk9Wei0wR3RqZG5nWkVTUXRNX0hKbXRpUGtXa21GN3FBd3UtSms3QTc2MFd4TXBCbENxeGZQU2oxYk5LQ1BxbDRfWGRDUmVaN3lhQjVVV0Z3aXFRcmg2MkdIUQ?oc=5) · The Salt Lake Tribune
- 2017-02-23 ['Barrel Chested Bandit' arrested in connection to multiple bank robberies; originally from East Prairie - KFVS12](https://news.google.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?oc=5) · KFVS12

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5384 (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/8.json (key "5384", 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=5384
- 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