# TEXAS
DALLAS, TX · NCUA charter 5497 · asset band $50-100M · latest filing 2021-09 · stopped filing after 2021-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/texas-5497

Who the members are: federal charter, multiple common bond, organized 1947, low-income designated. 6,608 members of 100,000 potential (6.6% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 19.

**Verdict on the desk:** this could be *too clean*. 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 | $61.9M |
| Members | 6,608 (-3.8% YoY) |
| Full-time staff | 17 |
| Net worth | $3.6M |
| Net worth ratio | 5.8% (p0 of band) |
| ROA (annualized) | -0.32% (p2 of band) |
| Total delinquency | 0.08% (p18 of band) |
| Net charge-offs (annualized) | 0.21% (p68 of band) |
| Loans / shares | 36% (p17 of band) |
| Cash / assets | 38.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.84% (p16 of band) |
| Operating expense / assets | 3.91% (p83 of band) |
| Vehicles % of loans | 35% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p30 of band) |
| Vehicle delinquency | 0.06% (p21 of band) |
| Vehicle NCO | 0.09% (p39 of band) |
| Repossessed % of vehicle book | 0.36% (p98 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 1% |
| Average share balance | $5,457 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 19% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $16,603 |
| Loans granted, annualized | $6.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, capital below 7%, losing money |  |
| 2016-06 | 3 | repo signal | capital below 7% |
| 2016-09 | 2 |  | repo signal |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | net worth falling, members leaving |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 7 | capital below 7%, net worth falling, expense trap |  |
| 2018-06 | 7 | assets shrinking | net worth falling |
| 2018-09 | 7 |  |  |
| 2018-12 | 7 |  |  |
| 2019-03 | 5 |  | losing money, expense trap |
| 2019-06 | 4 |  | assets shrinking |
| 2019-09 | 4 |  |  |
| 2019-12 | 5 | delinquency rising |  |
| 2020-03 | 4 |  | members leaving |
| 2020-06 | 8 | net worth falling, losing money, margin squeeze, members leaving |  |
| 2020-09 | 5 |  | delinquency rising, net worth falling, losing money |
| 2020-12 | 7 | losing money, loan book shrinking |  |
| 2021-03 | 8 | net worth falling |  |
| 2021-06 | 6 |  | losing money, net worth falling |
| 2021-09 | 7 | losing money |  |

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

- 2026-08-31 [The Best Credit Unions Near Austin, According to Locals - Austin American-Statesman](https://news.google.com/rss/articles/CBMibkFVX3lxTE51UktMa0ZiZGxBR2tRT0VaOUFOeVpoSkZzZWN4NWVmYlBrQldqcWd0U1hHWk1menNpTmpURFlQQXFkN2kta3I4c3FWWVcyYndQYldoTFQ1anBBeFZua3RQX05aNWRrUFFKRk94cjJn?oc=5) · Austin American-Statesman
- 2026-09-02 [The best credit unions near Houston - Chron](https://news.google.com/rss/articles/CBMiakFVX3lxTFByd3FwR2MyYUVxZW9EdktCYWRyR3lKWjlCRTBzcXlnSUN2NUYxYzNaTmZqMEdPWThnY3dHblpUTUw5STJKU05idWEyREpoOVJrSXg3MmRuay1MeUI2N3lJLVRvT21hbkpFdWc?oc=5) · Chron
- 2026-05-13 [Credit Union of Texas to host grand opening event in celebration of new West Richardson branch on May 16 - CUInsight](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQNVlHNDc3aEpKTkJnR0dyWmp4a3JwNHNMcGRMZ1lCS3hXWmRoQTJtTno2Tjg1UUVNOFRqZ2dVbDdEQzFhSm04ZnBlaXlqTUJrLU1RU21hcms2N1V4Z0pFb0hqRVJieG50b2pJYlFnWUtTQnUxYTMtWGxMdFlMVkY4MkxzR3QwM3Rlakc5TmlPeDlYemVoQW5DY250RG9wQkN5UkdyRXg3SHpkSzR4YS1PYW0xWUppRkF4a0RpX1NjejNNY3ZkdC1lX0JUelI3aFQ1VHFFN18xNzBnRDdhT3c?oc=5) · CUInsight
- 2026-08-13 [Best Banks In Texas For 2026 - Bankrate](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5PRmVqM2xyamY3ZmlKUEwxTE9QWUZZTzlQWDRQN2tsaGNUOVZxLU5vS1k5SW9hc0ZCVmFZc09INUllaklMU0tYX3dwSHA1UEdJaXJtMzFPZ0c0aEQyODk2aXlTaw?oc=5) · Bankrate
- 2025-12-31 [Lubbock-based ALLIANCE Credit Union merges with San Antonio UTCU - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNVjNsQ0x6cUtXYUpzWkNiZXF3Uk84U1FUNC1pMW9mbTVDek0xc0VsWFNkY2lpMU1jSFdNNnozc0x1RVZNM0hYYXVkTTVRYnpNQXIxa3Y5djE2YTRYbldfNXV6MmlLdVRORTFCYVR6ZmZyU1hxaVBZbmdJT2ZzeWpodkVjWWg0Z0hNaXdNOW9lVW9hcG5KMF9xRHN3cUZ4SkFic0pIWEFvUkszMnZZNlgxeVNUMFZLYlhHQkIyZGNqMTRQQTBDSks1QlNOdXdrZTlUSnF4VlZXOHUyWlhOaHc?oc=5) · Lubbock Avalanche-Journal
- 2026-02-20 [Show us your West Texas! - CBS7](https://news.google.com/rss/articles/CBMicEFVX3lxTE95Skg3RUZ5M2lvRUhUUUxuR2dYUUN6eVNlYXp0cm5rMWZvNi1yZzg0MHZ0WHI0UXFUd3ZKV2psbGF3TGF6d2swYTRWczhXYU5hLTdLU2JINmNHaXNjOUFIcVNLNGFJT0xGVEZWZWNQN3LSAYQBQVVfeXFMT0llSUF0Ty1VRTB3YWtianU3cGpNZVhFUFRJV1dSbFQtakc3b3VJTmx3N3gyS05QSmRFWjVCU2hxVURjaC00WGczWDVnS1llUHh3RHBXeGVKMW5qTHdtMUFNYTNLekFOLVNhYW45SHlBQXFTUkExcWo4OW9FZmsxVlFQRG9G?oc=5) · CBS7
- 2026-03-18 [First Central Credit Union breaks ground on new Waco corporate office - KWTX](https://news.google.com/rss/articles/CBMioAFBVV95cUxQb3NYTUNpLTlTRDBfbldpeWNQQ0Vnay0tOWVxLXhXRFlIZ2plNFVjcnVGaXZ4ZTV4QnhqX2FILUNjNV8tOGJPUWc4cll3WmN0dTVDVXJ5ekdUanFMX3l0UGZnSW84UGxMR1FuR2FhakRkY05JRjVkS21oM3Y4M1FTRjBCOEpSSkwyTW9MVE4zSERZNWpoT0NhNXp5VjZQeGw30gG0AUFVX3lxTE1FTU5vaDNqNkpZLVRzcVk0emtselU2LWRVSDVNS1U2SElYSG1xbG1RVHlqZEtKX2JGV3cyQV9BSXpUbThxY3NpUFptcVo2cjEyLTY2T1M5dXFhclVGUmZSdGY3azdxNmFldnUwZzRhTlYxLTVnMFVZYXhkbjBhN0p3ZXc2aWJPaDNpS2ZrRmxVc1gyMWxkTlp3MXQ2TWJLOHZ0cGh6NWhJZF9ZOG5uLUthZWo4ZA?oc=5) · KWTX
- 2026-04-08 [Texas Trust Credit Union Acquires Arlington Tower, Plans Multimillion-dollar Renovation - D Magazine](https://news.google.com/rss/articles/CBMilAFBVV95cUxNQ1NFSmZsdmVXc3RlYy1aT3NzS3ZJYV9NZEZuYXEtazVXa2k0dk01cWVfdkRKeVFiQ2UwSmJjVHBicFBxRkRraS1BS3ppbTgxY09aYVZEdzREM2d1OEdQcWVmdTFSOFFVRXMzaVU1X096RFltMUs1dE94MGpYSlVXVjdoSU8tc3JmYlBOdHRPUWV3TG9G?oc=5) · D Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5497 (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/57.json (key "5497", 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=5497
- 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