# DALLAS
DALLAS, TX · NCUA charter 5905 · asset band $50-100M · latest filing 2018-06 · stopped filing after 2018-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/dallas-5905

Who the members are: federal charter, multiple common bond, organized 1948, low-income designated. 6,104 members of 7,690 potential (79.4% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $55.9M |
| Members | 6,104 (-0.1% YoY) |
| Full-time staff | 16 |
| Net worth | $4.0M |
| Net worth ratio | 7.1% (p3 of band) |
| ROA (annualized) | -0.84% (p2 of band) |
| Total delinquency | 0.66% (p55 of band) |
| Net charge-offs (annualized) | 1.90% (p98 of band) |
| Loans / shares | 82% (p80 of band) |
| Cash / assets | 1.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.85% (p87 of band) |
| Operating expense / assets | 4.40% (p78 of band) |
| Vehicles % of loans | 65% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p26 of band) |
| Vehicle delinquency | 0.58% (p54 of band) |
| Vehicle NCO | 1.83% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p35 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 5% |
| Average share balance | $5,531 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $12,771 |
| Loans granted, annualized | $18.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 2 |  | delinquency 2x band |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 3 | net worth falling, charge-offs p90 |  |
| 2017-03 | 3 | auto monoline | charge-offs p90 |
| 2017-06 | 6 | losing money, delinquency 2x band, delinquency rising |  |
| 2017-09 | 4 |  | net worth falling, delinquency rising |
| 2017-12 | 3 | delinquency rising | losing money, delinquency 2x band |
| 2018-03 | 4 | losing money, charge-offs p90 | delinquency rising |
| 2018-06 | 5 | net worth falling |  |

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

- 2026-06-10 [Here's To You: Texas Trust Credit Union - fox4news.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFA2LVNIRzdnM2NnZHg3QkZJZDJCbnhWRzFFd1lOX1lZTjJZU0tRb0QyajhsRVFHUGx5R3RIUXlRdGRWQU5uNzdaQUxfS0llX3dWaWVmM0IzNkJQNFd0SXlNdtIBZkFVX3lxTE1mRFZiR1pDd0JpQTRpZTNnVXYxcThMQk1IVHhCcG9aajlPWHpfWG9FOUFDNmk2cGpvdng0RGhtV09jdDJjWmZnWEZWT2hqNE41ekZ2QjlBcHJkNkJSdlhxeWtiNE9Kdw?oc=5) · fox4news.com
- 2026-01-29 [Vegas Golden Knights to Visit Dallas Stars in 2027 Navy Federal Credit Union NHL Stadium Series - nhl.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxPdGJSbVJHUmRMajg2cWRIVHRQUS1RR0QtNFV0VXl6UjdoODVNQjlkLXFKRUVieG5KQVhXbEt2QlJESUhnNzBLVUFqTy1NNW9HYnhaZzdRR2g1N3ZVbmtyaWNlaGw3bk5UUW1KZHlnMUlUQjN2RGcyZkxMZ0djN203Uk91U0EyWU5RM29qcXh2UVhOOGR1RE5BZnBVZkJuTW1QcVdSVlVwcHRnSmhMUWl1aUZlcFMtYmZYN1RWRlloMFhDelpPQm9sLWNLclFQalk?oc=5) · nhl.com
- 2026-03-20 [New owner of prominent Arlington tower plans 8-figure renovations for new HQ - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxPOXBqdFFTZzc4a0lQR0VkTElVWDU4d3FBSE5GYWViYURvYzBtal9Sc2szR0otRjBmQWdzVm5HR1NzMUhfcEJjclZkeV9XODJGa1NDZWNCYnRjMWt5MUp1N2lxenhlcDhpNDBmOUVzNVZHUnZJcVhPMnVIYnJKX0J2ci12QzIxMnRJaWt4dmVGOGNtWmMycW1vcjJudWRjUQ?oc=5) · The Business Journals
- 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](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOOC1LY3Z2ZGxxZ2ZVZTJaNkJFM2dDNERHLUhQdVdXci12OHkycUtEV0Y0VmFsUTd6WFJaWjJVS1MzaXNDQ1VXT1FCRW5IR3Bjb1QwbS1sTHVhRFduMzQzaVNRWFFLUFBKMEU2TENaTGdDX216WndFOWNURHNCV2hWbFhiM21UeDhKTEJNcTRlUldOY3I5bG1jZURrZ3hTM3FCNXg1Mm0zM0QzWGNqSkJaSTlCLVdDa2ZTNnhycFlYb0d2X0tDQ1dZeXpYNlc1eThxY3FiWElPSFFBVDg?oc=5) · citybiz
- 2025-11-03 [Dallas Stars to be home team for the 2027 Navy Federal Credit Union NHL Stadium Series at AT&T Stadium - nhl.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPNTdyZFY2MDZyWUIzRFU1NWNVNGtuaVJZRVhtWGtDd2pJMDZ4TFpFTVJzQjBuT2VrVzR2X3M4RG85b21oQXJoV3h1SXFPcmtaRnlPWFhMeVNHVzZOTkN3NVlhQ0lpQUhVQmE1NHJ5Vi1wWkJlWG11VHR5NlFjcnBjSUx3Q0Z4Ni1Nckp5amZzcm1iNC1FTlh0Q2VTVnBhanhjYzZGaGZlYnpUZEYyWkhSRWZwYVN0RDM5eTRGUF9CQWNmejgzX25XemRXbUk4UWxtLWx5NHl1NA?oc=5) · nhl.com
- 2021-03-30 [This Dallas Church Acquired A Bank To Offer An Alternative To Payday Loans - KERA News](https://news.google.com/rss/articles/CBMitgFBVV95cUxQLUdROG01bEthUFhsZUtSM2JxYjBvRUw5cXJCcWJCTTZIekpaMEM5X243eU1ZLVA2MjJlTm40VnNfU241NFNDc1hCMnc0N1FFdHIxZWk4UGtNY0FPRm1kTEZLb1B3U3dvQlpFZXVXNWVKTEliZWxxRGpwYVIwVk9HaG1BdzZmdHRNX3VYMm1iWTdxQUNHVWl0ano2eDZLcm5VNlc0OEZBZGJrWHNZNDEwNjl4azEyUQ?oc=5) · KERA News
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5905 (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/17.json (key "5905", 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=5905
- 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