# LIFETIME
Richardson, TX · NCUA charter 6012 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lifetime-6012

Who the members are: federal charter, multiple common bond, organized 1949. 4,215 members of 6,882 potential (61.3% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $57.0M |
| Members | 4,215 (-4.1% YoY) |
| Full-time staff | 11 |
| Net worth | $10.2M |
| Net worth ratio | 17.8% (p84 of band) |
| ROA (annualized) | 0.22% (p23 of band) |
| Total delinquency | 1.23% (p79 of band) |
| Net charge-offs (annualized) | 0.49% (p70 of band) |
| Loans / shares | 56% (p42 of band) |
| Cash / assets | 40.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.69% (p8 of band) |
| Operating expense / assets | 3.33% (p42 of band) |
| Vehicles % of loans | 42% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.30% (p79 of band) |
| Vehicle NCO | 0.03% (p37 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 30% |
| Average share balance | $6,109 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.5M |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $8,732 |
| Loans granted, annualized | $7.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.5M outstanding purchased (43.9% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -1.0% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 0 |  | repo signal |
| 2016-09 | 1 | auto monoline |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | members leaving | auto monoline |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 | auto monoline | members leaving |
| 2018-03 | 1 | losing money | auto monoline |
| 2018-06 | 1 | auto monoline | losing money |
| 2018-09 | 1 | delinquency rising | auto monoline |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze, delinquency rising |  |
| 2020-09 | 2 | members leaving, loan book shrinking | net worth falling, margin squeeze, delinquency rising |
| 2020-12 | 4 | margin squeeze, delinquency rising |  |
| 2021-03 | 3 |  | delinquency rising |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 | delinquency rising | margin squeeze |
| 2021-12 | 1 |  | loan book shrinking, delinquency rising |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | margin squeeze, delinquency 2x band, delinquency rising | members leaving |
| 2022-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2022-12 | 4 | losing money, delinquency 2x band, delinquency rising |  |
| 2023-03 | 4 | net worth falling, members leaving | margin squeeze, losing money |
| 2023-06 | 1 |  | delinquency 2x band, delinquency rising, net worth falling |
| 2023-09 | 0 |  | members leaving |
| 2023-12 | 1 | members leaving |  |
| 2024-03 | 3 | net worth falling, losing money |  |
| 2024-06 | 3 | margin squeeze | net worth falling |
| 2024-09 | 2 |  | margin squeeze |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 3 | margin squeeze |  |
| 2025-09 | 3 | delinquency rising | margin squeeze |
| 2025-12 | 4 | loan book shrinking |  |
| 2026-03 | 2 |  | losing money, loan book shrinking |

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

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- 2026-01-05 [Doris McQueen, namesake for Longview ISD school, dies at 95 - Longview News-Journal](https://news.google.com/rss/articles/CBMimgFBVV95cUxNYjktMFMwZGdtem84T0N3cHhCRmNraDRBWTI3Vlo1VHNUNURPNml0SFFEelU0RFd1cXFPbHJCNEllQlk5OGxjaFNfV1VUQkpXMXNYdnF2Y1o2Ympud0o3d2NmcnpORFpyUmxGaW9jVHEwM1p2eENtb0dXMjBZclRvR3lDemFuNG5PSmVHT2xPLWdQUEN5NXotY2VB?oc=5) · Longview News-Journal
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- 2026-01-21 [Carol Clary Obituary - Conroe, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE1EQmhwaUdJclRfVDRNX1RGSTY4azlPX0x2MVJseXBKUU9XQkJlSTJ6RnNvOWVwNzF5TG4zcUQwbUo2bkVZQ1NmTjNNNEJNbHh4U0ZnS3g4aEhldHg2RFR4c000YjIwWUhLZ2tsQzdyNGFha2luQmhJaUk3N2hxQQ?oc=5) · Dignity Memorial
- 2023-06-27 [Banking on Wealth: America’s New Retail Banking Infrastructure and Its Wealth-Building Potential - Brookings](https://news.google.com/rss/articles/CBMiygFBVV95cUxQUW9oVXJldmwwX1JvZS1vWDZONk9uZERId1BTZjZGMHRKUnRXVVhra0lPVnRUTVh4S0dQOFhnakxNbFpUdHVyQVllc2lYcUFkY2RzVDdpRjI1UFo0VmdQdWh2d1FMUm1ZdmRoQTljZGRTcmthcm45T1JRSktHVS0zYTAwajNPNlVNWTIwUV92NExtSjJPa0lQMVBURUJiX19INjBGSkNxNUhrWlFRSTJjV3pMaHVzSE9hVHl5V1haMVdab1RHUDFUQTBR?oc=5) · Brookings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6012 (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/60.json (key "6012", 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=6012
- 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