# TEXANS
Richardson, TX · NCUA charter 60806 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/texans-60806

Who the members are: state charter, organized 1953. 152,742 members of 31,709,821 potential (0.5% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.61B |
| Members | 152,742 (14.2% YoY) |
| Full-time staff | 310 |
| Net worth | $278.3M |
| Net worth ratio | 10.7% (p50 of band) |
| ROA (annualized) | 0.87% (p64 of band) |
| Total delinquency | 0.62% (p50 of band) |
| Net charge-offs (annualized) | 0.48% (p47 of band) |
| Loans / shares | 77% (p26 of band) |
| Cash / assets | 11.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.99% (p27 of band) |
| Operating expense / assets | 2.70% (p24 of band) |
| Vehicles % of loans | 63% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 270% (p80 of band) |
| Vehicle delinquency | 0.67% (p57 of band) |
| Vehicle NCO | 0.42% (p13 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 29% |
| Average share balance | $9,268 |
| Participations bought / yr | $0 |
| Participations sold / yr | $5.4M |
| Participations outstanding | $62.8M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $24,552 |
| Loans granted, annualized | $708.8M |

## Participation posture (from the same filings)

Bought $0 and sold $5.4M in the latest annualized quarter; $62.8M outstanding purchased (22.6% of net worth), $0 sold and retained. Sold in 1 and bought in 0 of the last 8 quarters. Shares 10.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, capital below 7%, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 2 |  | capital below 7% |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 4 | members leaving | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | net worth falling |  |
| 2021-06 | 3 |  | margin squeeze, net worth falling |
| 2021-09 | 2 |  | members leaving |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | thin capital |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | auto monoline |  |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 4 | net worth falling, delinquency rising |  |
| 2026-03 | 4 |  |  |

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

- 2026-02-24 [Texans Credit Union promotes Dan Western to Director of Member Success - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxQZTIwX1d6QzdsNWcxSTdTTkQxaFFVaUxQNjcxWlp3ZGFmYTh6TGZBaXhka3hmTGJnM0F6Y2F2UHJIVmxsdFhTd2twa3EyV21zQmVzVkpjcFVHM2loTnBrZnpDREduZDJ3LU9ic0V3QzdwRDZ5TDJkZXlqbDhocGRzdDdXWW9HNnRWdGM0alVGclFDSVBLRmZ1S2RQN1pKcmVLMzhhMGFicGdxbUZEQ3dvUQ?oc=5) · CUInsight
- 2026-02-23 [Texans Credit Union to build $3M freestanding financial center in McKinney - Community Impact](https://news.google.com/rss/articles/CBMitgFBVV95cUxPaVN6bDB0MnNWbXpTUm5jVlQyc1pReVJSRURnazFyYUpDbFRvS2NxU3RraXY4X2VQSFpDQmtkUy03TnQ0dE8tUDRvekQ0S3VYRTNDS2Z6QXdjb09rSE1mU0pmdjIzeHdiZTI0dzNZV0dUeWZxV1FhOEFVenZOb0ZhUnJidjRRbm5vbmFnUVJNaEl3M3h6Um44UkZHcXBSeFdMYWdYOUtMSEhGaldNakZMdUgtOFNhUQ?oc=5) · Community Impact
- 2026-03-06 [Behind the Deal: Texans Credit Union Expands to $2.6B in Assets With Las Colinas FCU Merger - D Magazine](https://news.google.com/rss/articles/CBMimgFBVV95cUxNTjBxX09MZnhpMjdxT3N5d25xZFVUVHY0YmIwbWdnMEhGRzBoUW5kTV9ZeXI4bFd6eEdzRFNlMkNwVlB3cEhGY1ROTWkxVjZlS0Fvay0wMTVBbGZNMTZCb3p0bjFTR3hkOXNPZkZLUGVIWkk1OThRMU1fR18yMnVWQzd4RVc2RlNNS0lLNkhnaE93Ykp3dGJjSEZB?oc=5) · D Magazine
- 2026-08-03 [Back-to-school shoppers expect higher prices this year, data shows - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPSHE3cElDU0xDck50eGxhMTJSYWlybG03SEdOREFpS2d2LWE0LW45b0lLd3BwVlA4Z1N0QmFLQ2Y1UkFTU2VScV9XS3NPOEpMbUhfVndDQ1pSMDB3bklFd05pRDQxMVhWNEpOcmFtcWwtX00wY2h4X0t3YUtDYXVRSVpKWHV5ajMtM3FUU05mTUJGQ2FiOENSSm9NQ0VJcWZ4LTJCdmg1eFpuZkQ2al9FdXlKeUdlZHM0V0VKZGt3aw?oc=5) · spectrumlocalnews.com
- 2025-12-04 [Survey: Nearly half of American consumers will rack up holiday spending debt - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOel81Y2ZCbEJaak9DR1Bod0V1eUNVdE1mV0FQMWJ4b2VXR0M3OG1SWEVmMlNzckVnTThvQlRBRHROZWhMZzR2Z29vUjVZZ1B5RHNSeUlDSUVXMlY1M3VTdXRoY1h5Wl9YUWVpSjNlUldOdGNSbDFUaU1HSC1zTTJranpmb0xpT1JMbWxkb1AyVWRyb3RHV3BJb1NlNm95OXhfWVBXWS1jaW12N29HRTFiNXRmQ2RPd25oZ2tTTTBrU3UxanBFcWsycVNEZTU0WkZSR2c4ZUNia2ZzbGc?oc=5) · spectrumlocalnews.com
- 2025-10-01 [The federal government has shut down. Here’s what it means for Texas - The Texas Tribune](https://news.google.com/rss/articles/CBMioAFBVV95cUxON19SVlhhdjg1OWR1Q3pVV255TWlQa2JibV82eUZHRlpJVkJsQ1MwLVE3Tno1U3RseFdWQVJ6M2xRZkdEamZQRVo5REFMV3FKdTZLMUNadEdqc3pFeE95c0stRnFETjJsLVlEUml0dlh1VEI4R2dGZHZqTnBJYl9KWEF6NzVvN0ZMeFZFX1daTmh1MlMzYUt0c0MtZmhnaUZ4?oc=5) · The Texas Tribune
- 2023-06-20 [Forbes 2026 America's Best Credit Unions In Each State List - Forbes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vRWJOaE5OZ1NrY3RJeUZnWS1yRXkwMUYzYllJMTN3VEQxTWtwNHJGdC1FejkwVF9UT045OWFhQ0NSWmtzTHBJeXZFSFdydTNuc2VyT3BjUGRLcmlWLWhaVHNJUVZMRHNt?oc=5) · Forbes
- 2024-07-03 [Garland police investigating Wednesday afternoon bank robbery - WFAA](https://news.google.com/rss/articles/CBMivwFBVV95cUxOV19CbUJyZGY0dWNpUlBxa0NybERnNzVfLTlneWpJWHB1SDFiNWtUaDdCVzJOa1VBbTlzNkRkRXBQeW9ZUUoybXh6VjdiV3daNngxSldxWExwWm9IQ2VQMGlNdkhuV0IyTWsxZXhLQjNqcTgweXppdjgxRVpoRXdxaWFPbmNWS3VlTVpJQm55a1hkRFQtb3B4dXlweVcwY1dfRlViSHJMTjFIdnBXRHZocFozQlMxckhuSHhEUkNKdw?oc=5) · WFAA

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60806 (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/6.json (key "60806", 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=60806
- 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