# CITY
AMARILLO, TX · NCUA charter 5665 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/city-5665

Who the members are: federal charter, multiple common bond, organized 1948, low-income designated, minority depository institution. 2,722 members of 7,000 potential (38.9% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 217.

**Verdict on the desk:** this could be *stressed*. 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 | $84.8M |
| Members | 2,722 (-32.0% YoY) |
| Full-time staff | 12 |
| Net worth | $13.8M |
| Net worth ratio | 16.2% (p77 of band) |
| ROA (annualized) | -0.61% (p5 of band) |
| Total delinquency | 1.12% (p75 of band) |
| Net charge-offs (annualized) | 1.41% (p94 of band) |
| Loans / shares | 95% (p98 of band) |
| Cash / assets | 13.6% |
| Borrowings / assets | 10.03% |
| Net interest margin | 2.79% (p11 of band) |
| Operating expense / assets | 2.87% (p27 of band) |
| Vehicles % of loans | 20% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 29% (p72 of band) |
| Vehicle delinquency | 1.24% (p77 of band) |
| Vehicle NCO | 2.29% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 44% |
| Commercial % of net worth | 34% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 14% |
| Average share balance | $15,058 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $42.9M |
| Loans outstanding per 100 members | 217% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $11,370 |
| Loans granted, annualized | $8.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $42.9M outstanding purchased (312.1% of net worth), $3.7M sold and retained. Sold in 3 and bought in 3 of the last 8 quarters. Shares -20.6% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## 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 | net worth falling, delinquency rising |  |
| 2017-06 | 0 |  | net worth falling, delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | loans>95% of shares |  |
| 2018-06 | 0 |  | loans>95% of shares |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | loans>95% of shares |  |
| 2019-06 | 2 | delinquency 2x band, delinquency rising | loans>95% of shares |
| 2019-09 | 2 |  |  |
| 2019-12 | 4 | thin capital, margin squeeze |  |
| 2020-03 | 4 | repo signal | margin squeeze |
| 2020-06 | 4 | charge-offs p90 | delinquency rising |
| 2020-09 | 4 | loans>95% of shares | repo signal |
| 2020-12 | 3 |  | thin capital |
| 2021-03 | 3 | thin capital, margin squeeze | delinquency 2x band, loans>95% of shares |
| 2021-06 | 5 | net worth falling, delinquency 2x band |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 | loans>95% of shares | delinquency 2x band |
| 2022-03 | 3 |  | charge-offs p90, margin squeeze |
| 2022-06 | 4 | margin squeeze, charge-offs p90, leaning on borrowings | thin capital, net worth falling |
| 2022-09 | 3 |  | charge-offs p90 |
| 2022-12 | 4 | net worth falling |  |
| 2023-03 | 5 | 3rd-party paper>100% NW |  |
| 2023-06 | 5 | delinquency 2x band, delinquency rising | margin squeeze, net worth falling |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 | net worth falling, charge-offs p90 | loans>95% of shares, 3rd-party paper>100% NW |
| 2024-06 | 6 | repo signal, loans>95% of shares | net worth falling |
| 2024-09 | 5 |  | loans>95% of shares |
| 2024-12 | 6 | net worth falling, losing money, assets shrinking, members leaving | delinquency 2x band, delinquency rising, repo signal |
| 2025-03 | 6 | delinquency 2x band, loan book shrinking | net worth falling, losing money |
| 2025-06 | 7 | loans>95% of shares |  |
| 2025-09 | 8 | losing money |  |
| 2025-12 | 8 |  |  |
| 2026-03 | 7 |  | delinquency 2x band |

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

- 2026-09-02 [The best credit unions near Houston - Chron](https://news.google.com/rss/articles/CBMiakFVX3lxTFByd3FwR2MyYUVxZW9EdktCYWRyR3lKWjlCRTBzcXlnSUN2NUYxYzNaTmZqMEdPWThnY3dHblpUTUw5STJKU05idWEyREpoOVJrSXg3MmRuay1MeUI2N3lJLVRvT21hbkpFdWc?oc=5) · Chron
- 2025-10-14 [City Credit Union Relocates Corporate Headquarters and Flagship Branch to 8344 East R.L. Thornton Freeway on October 14 - Business Wire](https://news.google.com/rss/articles/CBMihwJBVV95cUxOMTFSWnluMGRycm5tNzE1MHp5ekdsN3Nzb203MUhPMENLSVp5QmthWGEyUWtwcEQwdVZYdzNiLVE0c2tWdy1SV2pjX0lfRzc3S0o3MVd3QmdzZlFjRGFUTldEVFNYWjFzbmx6MTd2NnJZd2lxTzhIWXNWazhlR3ViMzFXV1NKUFpDZjFneFhqT053Ym1sOC1ENzllR0xkTVZmdDBzckp0VlhtNGd5N2FtbDZ1Qlk5ZHZrOWxQMzNpZzQ1NXpGZEJrM2MzRElTaTlkNzU4ZzlEajBXbGVTdFJCZ3dZbUQtN0pQYWFNbjF4NTZ3SDhNWGRBVWowVU9rTFc5SFZBV21XNA?oc=5) · Business Wire
- 2025-10-14 [City Credit Union Relocates Corporate Headquarters and Flagship Branch to 8344 East R.L. Thornton Freeway - citybiz.co](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOOC1LY3Z2ZGxxZ2ZVZTJaNkJFM2dDNERHLUhQdVdXci12OHkycUtEV0Y0VmFsUTd6WFJaWjJVS1MzaXNDQ1VXT1FCRW5IR3Bjb1QwbS1sTHVhRFduMzQzaVNRWFFLUFBKMEU2TENaTGdDX216WndFOWNURHNCV2hWbFhiM21UeDhKTEJNcTRlUldOY3I5bG1jZURrZ3hTM3FCNXg1Mm0zM0QzWGNqSkJaSTlCLVdDa2ZTNnhycFlYb0d2X0tDQ1dZeXpYNlc1eThxY3FiWElPSFFBVDg?oc=5) · citybiz.co
- 2025-11-18 [El Paso credit union to buy 11-branch bank - Banking Dive](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOdUdFMjBLWkx1cHl1UXZveWNXSUtNZWwzeFlpdzM1LXp3WEhEb0k0UzZXWk95eEZPNGgybVpJVVpnVDJPNno1WWlvbUNTUmJCY1pTc3V6dEFINVhCT2ViRFJERHpvSVpWS2FUUnJBck4yYmhtV2NfdVlGT1NrbVJMTXpoMUFtam9TenRR?oc=5) · Banking Dive
- 2026-04-17 [Copperas Cove city council discusses former HOT Credit Union building - Copperas Cove Leader Press](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQV3c2N2ZRUmFMX1R2NEdzTlZ6clJQTVRJaThXeTQ3ZURtSllpQ1ZkOUN3dXk1MVlERTJmblB4RWI3aEFSemY3R1Z1MWs5LTU0TmEyRnE3MlZtb0NoWkxfSHZjamdFQTdmdEJueThVNjljM3FTUFk0VmI5NWRPdzRIYk1Ib09FQU5jakdIa0E3MS04eTFLWkdmdnpBYV9ZbFEwRDRGMkdBMU1fdw?oc=5) · Copperas Cove Leader Press
- 2026-04-30 [City of Bonham Animal Shelter partners with Credit Union of Texas for 'National Adopt a Shelter Pet Day' event - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTE9BM196MDQ2ZE55ajQ1VVVBQnZUU28xVW9WQVZWQmxkbGtUSjlSbDNTczFudkpMUTI0Mk0yLWs0eDk4WGhTSHRBUFQwM2w5Nm9RRzYzZV9LQi1JT2VWazhTT3Bqb0hlZGFVaEluS2pn?oc=5) · North Texas e-News
- 2025-10-06 [AMOCO FCU to open newly renovated Texas City branch October 6 - CUInsight](https://news.google.com/rss/articles/CBMipAFBVV95cUxPb3RvekJPbEt5dVBZS0V2eGFReHZBUC1JSGVpQ3V1bGhIZ0lRNGNfS1UzVjA0TTRQb1ZpREw0QTc0VTBDb1FiYkdZZWp1VFdNU09lRzZGbTNTMTBEdFByYXMwcVNYZUFMWWRMemdwMGw3RzN3c08yNzJ4bl9KZUJmVEZ4aHdoWENMLUxZUnUyZFMyTW5YYnNHQVBVajJmWUJuaHJCcA?oc=5) · CUInsight
- 2025-10-24 [TDECU & Smart Financial Credit Union Announce Merger Plan for 2026 - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxPWnU1NVo4a1pQOEsxY2NKajg5eUdrUzZ0TW5tZzNBUkJ5eXRvX0RXX1ZKTlFQQ05mT0FqYUIycWhVeGhrT0FuV1p4aXVmY0Jta3JDc1ZQVVdZOWhRX1AtU21CZkJWc1AyaFBWNEFwbmV2VnRnTngzendnUVRYMjN3LUZ1RGZ6RUlPN1l6dXNGaFR1cmRYRG1idGR4WkxqaE9WZ3gw?oc=5) · CUTimes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5665 (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/33.json (key "5665", 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=5665
- 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