# BRAZOSPORT TEACHERS
Clute, TX · NCUA charter 5462 · asset band <$50M · latest filing 2022-03 · stopped filing after 2022-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/brazosport-teachers-5462

Who the members are: federal charter, community charter, organized 1947. 3,689 members of 374,264 potential (1.0% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $47.1M |
| Members | 3,689 (2.2% YoY) |
| Full-time staff | 8 |
| Net worth | $8.5M |
| Net worth ratio | 18.0% (p80 of band) |
| ROA (annualized) | 1.17% (p88 of band) |
| Total delinquency | 0.03% (p25 of band) |
| Net charge-offs (annualized) | 0.39% (p82 of band) |
| Loans / shares | 52% (p58 of band) |
| Cash / assets | 24.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.43% (p56 of band) |
| Operating expense / assets | 3.31% (p64 of band) |
| Vehicles % of loans | 65% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p20 of band) |
| Vehicle NCO | 0.32% (p87 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 12% |
| Average share balance | $5,718 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $8,309 |
| Loans granted, annualized | $9.4M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | auto monoline |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 3 | delinquency rising, members leaving |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 2 |  |  |
| 2018-09 | 4 | repo signal, assets shrinking |  |
| 2018-12 | 3 |  | repo signal |
| 2019-03 | 2 |  | assets shrinking |
| 2019-06 | 1 |  | members leaving |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | net worth falling, loan book shrinking |  |
| 2020-12 | 3 | delinquency rising | net worth falling |
| 2021-03 | 3 | margin squeeze | loan book shrinking |
| 2021-06 | 2 |  | delinquency rising |
| 2021-09 | 2 | delinquency rising | margin squeeze |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 1 |  |  |

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

- 2022-05-09 [Space City Credit Union merges with Houston-area peer - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxPQTZZbmRvRjRMN1F1T2V3Q0tKNkVRNUd1dnZFTU81bmFWTzVqY3NsTkxZeHJWN045SnpsdzItUnQtSE04MVE2MER6VEpvQ0tWUm82dUQ5TC11WWVxZGFPME0yMC1BVlJ6WkE4dTFIYUhnbnF6bDA2Y01JQnVNcVpRRWVIN0hiOTlyTUI1WFVRNEMzNUNKVnlpeVg5UmhLU285dUZ1TA?oc=5) · American Banker
- 2015-05-09 [Clara Cox Obituary - Clute, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMieEFVX3lxTE9DUjRsS1E0SVJ3dmU2NW5KT0RBZmZpNUNtaUtLYlpzVXRMQ0pXSTZrQUo4emRXVHE2dm5nRl9zM0VETUZJNk5qekY1WmE1dktwRVhsV1pwNmNGUzYzSVR2YmJzYUh6R0I5STFGTDhwRUtPWTNkeFRTSg?oc=5) · Dignity Memorial
- 2014-09-15 [Donald Walter Mayer | Obituaries - thefacts.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNdjdhcUlzcE1OQUY5YmVXQVkyOTBveW80NGVLWDYxblVVMEZ5LUJBV09WMTc3aXMyeERUbTVyWXZUMGdZTy1UTklrd3I4Ry0xeERiTUthang4eWVrOWotemNQcFRtNUt5d0x2djZJbDl5dTRhQm1MbzBLdmhUZW1xY3JZYjY1ZEhaVGZLci1UejJjWGVuLW5XcFExRlQxU1FNaWw4?oc=5) · thefacts.com
- 2014-09-08 [Donald Mayer Obituary - Clute, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE45R2VwRDkyN21uTU9PT0lRRkozd3dJVnY1N3Z3SzVyZ1g2SnpDRnRHMzViVEkzTnVIOVNGSEN4eFlSQUxpMVFFNHlkZGxCZ3d0ZnFFSGMzUGMzZ0xabElyXzdBTmYwWXY5UTJxbng5Z2dTS0NwdDlHck1VdW8?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5462 (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/22.json (key "5462", 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=5462
- 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