# GRAND PRAIRIE
GRAND PRAIRIE, TX · NCUA charter 60307 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/grand-prairie-60307

Who the members are: state charter, organized 1960. 1,692 members of 2,500 potential (67.7% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 48.

**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 | $25.0M |
| Members | 1,692 (-1.6% YoY) |
| Full-time staff | 4 |
| Net worth | $2.8M |
| Net worth ratio | 11.3% (p24 of band) |
| ROA (annualized) | 0.09% (p28 of band) |
| Total delinquency | 0.08% (p24 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 39% (p24 of band) |
| Cash / assets | 64.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.60% (p38 of band) |
| Operating expense / assets | 2.83% (p28 of band) |
| Vehicles % of loans | 66% (p56 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% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 8% |
| Average share balance | $8,819 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $10,661 |
| Loans granted, annualized | $3.2M |

## 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 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 0 |  | net worth falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 3 | delinquency rising, assets shrinking, members leaving |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 2 | net worth falling | assets shrinking |
| 2019-06 | 1 |  | members leaving |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 | net worth falling | delinquency rising |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 2 | margin squeeze, delinquency rising |  |
| 2021-03 | 2 | net worth falling | delinquency rising |
| 2021-06 | 4 | thin capital, delinquency rising |  |
| 2021-09 | 1 |  | margin squeeze, net worth falling, thin capital |
| 2021-12 | 0 |  | delinquency rising |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | net worth falling |  |
| 2022-12 | 1 | delinquency rising | net worth falling |
| 2023-03 | 1 |  |  |
| 2023-06 | 4 | delinquency 2x band, repo signal, members leaving |  |
| 2023-09 | 2 |  | delinquency 2x band, repo signal |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | auto monoline | members leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 3 | charge-offs p90, members leaving | delinquency rising |
| 2025-06 | 2 |  | members leaving |
| 2025-09 | 1 |  | charge-offs p90 |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2025-11-15 [How to Dance, Prance, and Act Your Way Through the Holidays in Dallas - D Magazine](https://news.google.com/rss/articles/CBMiowFBVV95cUxNUHpFV1E4OGRSTzZFNXVxZmpzRFNjeVVRM01hcVc0MWpiZGViV3RlOFlKdTE0SlVoN1BIcmFrTm5VcWt1c19ReFRPZDVmUDFQNkZ3bnNldHduVUlqNjc0NHR3UGpUdXYtenlRakpOWHhIMnYtZlFJYjJ1YXZwdm1MQVhBZ2Qtclpsb1FPODVocGtqUWd2WkxuTzRnd3NETzN6cVI4?oc=5) · D Magazine
- 2026-03-18 [Ella Mai set to return to the US for her ‘Do You Still Love Me?’ tour - MELODIC Magazine](https://news.google.com/rss/articles/CBMioAFBVV95cUxNdElXOVV6RGpBNG5LZFFkalhPV0FSSmNlQ0s4aFFBTTZxejlnVU5aQjVRS1RwaGxhMHNMY3V0MEVRUWJ0SnlBRjdMVmNVZ1N0V0R4ZldfM1NtcndvaWpPOXdZUWh3M3ZMaGNDRkdnOV8yVGtoTTB2V0dPbGx3c21DQjZWcFR5NmtTb193cTFFRWNLRjR1VEVoR2RMc2o1Y0xt?oc=5) · MELODIC Magazine
- 2022-03-15 [Texas Trust Credit Union opens new branch at Fish Creek Preserve in Grand Prairie - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxQaDBvRG1kRGVrSXZyV0JkcnEtckNRNlQwcEtZSkxKWF9BdzVZa3pkQ3QxQVRjbE1OaGFqWlRzaWNZdy11UjJjM3BydGUyNl9uMGI0ekxDbExLb3d1LXNYM2lOQm9YYk5mTkpUaGRHV0tLUXc5MlVzV05NZGRNeVN3XzZtSjl4TG51d3VJdzhqcWw1SzV2UzlJaGhsY2RLRFpQU3VvTWtnTXUzVWh0dnlnbmhqZTlvV3pxOEhvTnNmSQ?oc=5) · CUInsight
- 2021-02-04 [Texas Trust Credit Union breaks ground on its first built-up branch in over a decade - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxOdThIT3luMGx6aHNQV1gzUE84aVcteVZxVzIzNU1VTW10aElGSnR0dTY3emM1WTEzOTlHMDRuT0xlRGc1VC1SYVgtcm9PUlN3X1FtYUc2SER3bFRxMExlYk1yVVpkWk1UTUthX2s4Yk4tVHJDdlVPQkpCU3pTWlFRUmU2OW1rZWR3a3dzWXZHQ2pZNU5SQjNIb2Rn?oc=5) · The Business Journals
- 2021-04-27 [Texas Trust secures naming rights for The Theatre at Grand Prairie - The Business Press](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQb3BqOC1MamItYkNVXzBJSFpBMTdaY0J3V2dxZzV4SHdFRlhWQ3RTem9RRXBteFpuNFRUUlZWRnpJSEpZR05BbzhpX3RwbmEyeHBDZU5sZ3dWTng0cnQ5YUt1VjlBbVBFTDB3N1VGRDBmV1VHRzR5QnlGM1haNmpiWWQ1VjI0UE9ET21wVURIOXkxUUZObGZlM255TWxPQjRvQ3NwN0lpeHE?oc=5) · The Business Press
- 2017-02-24 [Qualtrust Credit Union & Texas Trust Credit Union Merge - Focus Daily News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQbFI1RDFfZ1pITTFuZVZuT3RQcjZQbE0yTldybGlWRWlkaUktbGhNWnktbDJhUmtMYzUzd20zS25CUEFPa0E2dmpXWUE5U2JIdlBwci1CUWttRFFDcG1jdjdtNXE5b3lySlppTXlUWnVMNVlHWEJralhhSkhzRG5kUm5sZTRVbDhoVTlXOG9n?oc=5) · Focus Daily News
- 2021-09-30 [The Exes in Texas Are About to Include a Credit Union - cutoday.info](https://news.google.com/rss/articles/CBMilAFBVV95cUxNUVpmcGo2aFlremJ3eGhSMGdXZi1OR0RsekhvckNWWEc3dzBaSFl3dXgyUjZsUXVrVGNGM2QxenlJWlBXU0FiQ2xXNVJJRmxRc05BRWRXSHFZVDFiaURJbVh0dGM3NThIbGVxZ0lmNlBjaG5BLTNkTGxIbXgzbG1Ub2djUGVOSHN6dmkxNTZFN0sxb3lP?oc=5) · cutoday.info
- 2021-09-08 [Texas Trust CU Theatre at Grand Prairie Reopening Sept. 10 - Business Wire](https://news.google.com/rss/articles/CBMitgFBVV95cUxNWFNsV0Rjalgzb0lUQUwyQTVIRTFIcTVpSVktbS04VkVVMmNCSXlrVkV3NWUwLWtqMzhNbFBlNXcySHdSNjg0SzlaMm82dGFGcjNKZDQ5b19rd3BwUy1XamRNazFNbVBHVjloNXlwOHRsUlFkeVB3MGJ2cUZlc0V4Zng2bGVyYlVlZjd0RXMxYm8zUVVGOE1GSHJPaW9nQ3V0NEl2SEE0Z0JUbW9ZZzRPazNSdUZ6Zw?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60307 (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/19.json (key "60307", 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=60307
- 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