# FELLOWSHIP
Windcrest, TX · NCUA charter 60630 · asset band <$50M · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/fellowship-60630

Who the members are: state charter, organized 1941. 1,837 members of 13,000 potential (14.1% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *too clean*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $17.8M |
| Members | 1,837 (-7.7% YoY) |
| Full-time staff | 5 |
| Net worth | $2.7M |
| Net worth ratio | 15.1% (p62 of band) |
| ROA (annualized) | -10.90% (p0 of band) |
| Total delinquency | 0.08% (p15 of band) |
| Net charge-offs (annualized) | 0.30% (p53 of band) |
| Loans / shares | 63% (p52 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | -7.36% (p0 of band) |
| Operating expense / assets | 4.47% (p75 of band) |
| Vehicles % of loans | 64% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.08% (p30 of band) |
| Vehicle NCO | 0.29% (p62 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 11% |
| Average share balance | $5,787 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $13,261 |
| Loans granted, annualized | $3.0M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **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 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | assets shrinking, auto monoline | delinquency rising |
| 2018-06 | 3 | members leaving |  |
| 2018-09 | 4 | loan book shrinking |  |
| 2018-12 | 6 | losing money, margin squeeze |  |

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

- 2026-03-10 [Church founded in 2023 renovates former credit union building near Uptown - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxPMmhUWGpJakZnRFFnM3B1RnJHUWpuWGhyRVRTak1UZmFHRDBlQ2NXTEVIYVAtT3NHUFI2bERLY1JPNjFJLUR0bXYwZURPU2FWVjVLdTdNOV9NMXJFeDExRUpKd3lrX1QtcVZfaUdZT0REczRfV1V2eFlxRzFKakhjcUFVMS01UjJ6QzJTdzluOVQ1NUU?oc=5) · The Business Journals
- 2026-06-25 [ERAI Fellowship Completes Inaugural Cohort, Scales Up to Two More Cohorts in June - The National Law Review](https://news.google.com/rss/articles/CBMisAFBVV95cUxQZkRwVF9uS0ZyTlJEaGx1a1M5RkdEWHNReHBkMFNfeU5qdnpSZHMzeVlWSjhDUjRPbHlONFJldW5MX2huOVFWSDI5M29mVzJYX0Joeld5dHVSUjJoNXVfckM4UjRMamhkc3hGeVB4MnVOTERzVi0wdEtiOFVFMVpoWHBGYW9sMzUzalFKdF9HeTB6SVNpT3JnZDZzdzA0TXp1QnlmcU5wMnRDb3VwdjFwMw?oc=5) · The National Law Review
- 2026-06-08 [The Scholars and Sigmas Unite to Celebrate Freedom, Culture, Entrepreneurship, and Community During 2026 Juneteenth Events - Texarkana Today](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOS2tiQ0EtSGJDQ0RyNXgycW00WHpnMVZPSElsZlZvd2VvM2l3dnhPakExS2g3SVRYaUUwR2JMam55U1JqaDJBOU1Db2lWenEyN3dNZDFRaEtVWWF3UlFoUDFFeFg3Ui1LbUFuZFRxVzNZZVp0VFVNaTNaRzdnTUxWcFZVV0JnZXZnTWtZR1VubWFuVEg4RGk1eUctOVZkb3cyanVnNDU0UEVocG9pQ2dJZjBIMzctc2dieVdhRVNjUkRVa19Ra0dBNGN3N1lCVVpydWcwRUdTaF9tbTZaMzVB?oc=5) · Texarkana Today
- 2026-05-20 [Danish Brotherhood Lodge 325 marks 100 years at Malverne celebration - newsday.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxObTVfWXFnaEdkaGZWTEw0eFpGYVl6T3I4Q2x1ZEctRm0ya2EzYlNpLVZhZHdjeXVPcUQwZFZnZFNNb09JWnVjbmJHSTJ1LXB2bmVjUXkwVUp5OHFFYm1XUkpuNk5OVnAzYlJ4am53amVqR01qLWNTMUlpUXFCU0xYWEdORVZqN1JNanJnTFFaUlh6ZlpDZXc?oc=5) · newsday.com
- 2023-11-16 [Merger Update Part III: Lost Sponsors, Legacy Systems and a $1 Million Payout to 5 Top Execs - cutoday.info](https://news.google.com/rss/articles/CBMixAFBVV95cUxPc1F2SkFQRTY5Nko3aTc2NEQyT1hMRXJtdVdQU0tjS2JFV1hBb3NEQVNoUk92Nm5VMFZNTFVzZ2JkcFBCQXNvUXQwaDZ2QlRyaE1IdHhHY0dwbFRlNjk3QXZRcUc2NHl0ODJ5ODdGZTBWbjU4Y0EzdGhHYTBRdno0WUF3LV8wemFhRUkzcXhMX1RqbnAtcFdock9kN0IwUk5lT3I4bHdnRzJqU01NV285ZGxhN3F4REtZRVFZRnYxTmw4NC1i?oc=5) · cutoday.info
- 2026-07-28 [Marsai Martin's Marsai's Way Foundation Wants to Teach College Students Financial Education and Wealth Building Through Its New Fellowship - Blex Media](https://news.google.com/rss/articles/CBMigAFBVV95cUxNcFFTMW1xUDQyQkZFT2Rla2tEZVNWYVMwNldpZlBBQU1Mc29TQUZvRDZIb0NpSUJUcERrakw2Z2xHTlpjclNIeWJIS20xRzdvLWphc1kxbWR2THNZTHdROFItQmNrcGZhcmc2U2VTYmJ1c1NqMzBqTlZhc1d5YUE0WQ?oc=5) · Blex Media
- 2025-10-21 [Karen Anita Davies Obituary (2025) - Robinson, TX - Waco Memorial Funeral Home, Cemetery & Cremations - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQRnJ4Qkxjb25UY2g2ZDFoOThqNlBmVjFGUGZFazdzMHk0WDFsbm9aWjY3ZGg3VFJqZDdMMk9zWnh2d2N4TVl5VEZPQUJiNjlGNFNLczdReEwxMHV2Um1uQkJOZ3F3cUN6Q0F0RHhMZkdFRmU2YndKeW5HUjN6OW9ONA?oc=5) · legacy.com
- 2024-02-15 [Charles Linus Batto Jr Obituary Feb 15, 2024 - Bandera Funeral Chapel](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9XQkNwTmtsTEJjTl9IWmxocDVTc1dwMnlhMGYyNGgyX2ZaT0xZdFljTmRMZ0NpYUZkZEQ2ZS1xa24wQ3ZLUWhwc3lxRmEzQWllSzlWRW5lTklCX3ZKSmtWWkdnXy1Td1Q1?oc=5) · Bandera Funeral Chapel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60630 (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/22.json (key "60630", 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=60630
- 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