# ALAMO CITY
San Antonio, TX · NCUA charter 61267 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alamo-city-61267

Who the members are: state charter, organized 1955, low-income designated, minority depository institution. 1,007 members of 3,000 potential (33.6% of the field); checking penetration 26% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.4M |
| Members | 1,007 (-10.2% YoY) |
| Full-time staff | 4 |
| Net worth | $433,285 |
| Net worth ratio | 4.6% (p1 of band) |
| ROA (annualized) | 0.00% (p24 of band) |
| Total delinquency | 2.53% (p83 of band) |
| Net charge-offs (annualized) | 0.30% (p69 of band) |
| Loans / shares | 76% (p75 of band) |
| Cash / assets | 22.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.46% (p33 of band) |
| Operating expense / assets | 3.96% (p59 of band) |
| Vehicles % of loans | 43% (p28 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 | 26% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 60% |
| Average share balance | $5,682 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $12,595 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 2 | delinquency 2x band, repo signal | thin capital |
| 2016-09 | 1 |  | delinquency 2x band |
| 2016-12 | 0 |  | repo signal |
| 2017-03 | 2 | repo signal, assets shrinking |  |
| 2017-06 | 0 |  | repo signal, assets shrinking |
| 2017-09 | 2 | assets shrinking, loans>95% of shares |  |
| 2017-12 | 1 |  | assets shrinking |
| 2018-03 | 0 |  | loans>95% of shares |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | loans>95% of shares |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 | losing money | delinquency rising |
| 2019-06 | 1 |  | losing money |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | delinquency 2x band, delinquency rising | loans>95% of shares |
| 2020-09 | 4 | losing money, margin squeeze, charge-offs p90 | delinquency 2x band, delinquency rising |
| 2020-12 | 3 | delinquency 2x band, delinquency rising | net worth falling, losing money, margin squeeze |
| 2021-03 | 2 |  | charge-offs p90 |
| 2021-06 | 1 |  | delinquency rising |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 3 | assets shrinking, loans>95% of shares | charge-offs p90 |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | margin squeeze, members leaving | assets shrinking |
| 2024-06 | 5 | delinquency rising, charge-offs p90 | margin squeeze |
| 2024-09 | 7 | losing money, margin squeeze |  |
| 2024-12 | 9 | net worth falling, assets shrinking, loan book shrinking | loans>95% of shares |
| 2025-03 | 9 | thin capital | delinquency rising |
| 2025-06 | 11 | capital below 7% |  |
| 2025-09 | 10 |  | margin squeeze |
| 2025-12 | 11 | margin squeeze |  |
| 2026-03 | 8 |  | charge-offs p90, net worth falling, margin squeeze |

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

- 2020-03-20 [PenFed CEO: San Antonio 'exceeded expectations in all areas' - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNTHFIUm5NOHppUTFmOXlHWGk1MjE2ekRWYUJsbERVWHZ0bUo4RnF3OXlpM2swZ2JIYnE2NzBHYTJ5aEowbVQ5SE9sSmJRVjNHS284RmtVVFJTSjM5c0ZpZlJBeHZaRjk1OXZTc1NVcTZKOWRQdy1LS1Z2TE5RZTV2emRqWkVuN0gxYmI0WTAwcVBJd0FYeW9vclY3WW9MUjgtbkk3TElPVEJ2alB1Nmc?oc=5) · The Business Journals
- 2018-05-03 [Air Force Federal Credit Union acquires San Antonio lender - San Antonio Express-News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOazgtVDBLX3VjMV9KemhMM2t1aGVVWkpfZnJNcE44MThKNExBN0RHUUhFakkyT1RsdUwtakF3bzY3dzRtaXI5a01fcV8tblZPclUwOGlLbTJFSGVIWGVpc1g1VjB6clNKN3VWMDhKeWZIRy12bTFNOGQwS29XYXFpVFRBYklMY1ZTUmVCSThtSGRRdDBaVlNfc2l1Q3VyTk5nNm9XYUFUOVFxdw?oc=5) · San Antonio Express-News
- 2020-10-01 [Churches, strip clubs, more: S.A. businesses named 'Alamo' - mysanantonio.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOQnNlQ2U4Vi1aWWRjNjlPbDQtM2RuWlZmenlWUUgyUTRTZlNrZjc2SXZXRFh5MWQ1akdseVNJaTJSUGhqa2luWlhlNzFwNkhoOEFMbThQcnhuVlhmRWFaTHlmN3Uzby1CX1dnT1prcjVSV2pwdW5SNUVRclFXcFpzajZ6dnZNWVBFc0tKdW5mMGswd2U0dFBEX3NZUVl2TVhNcHdLTHpn?oc=5) · mysanantonio.com
- 2025-03-17 [Several structures across San Antonio pay homage to the iconic design of the Alamo - kens5.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxOWnU0amNyUE9VdDF1b0dxSWNBZnlybEVZVmlGWnktTWo3T1MxNG1ITzhKUTlBSHNaWXlUNVpKUFNhbURxdmluU1hTeWdGNFJ0R0l6VFhxMHBpZFp0ZlRpX19uQmNZal95Rm5iR0JjQ1BfVUFjbE41ZUd3WEV3OWFzWFVMTjNCV2xsakhDSWlYUkZmUENzMTFuTllFWDdLNkFSbm52TXlXX2d3dXJGbm80YUNKaWpTRW1TVFE2eWlrVlBkZWlRQ3dXRnV2T1BPS3hNcGppUkIzNXVzTVk1MWJqY0dwMzN4X1pOZDk2RENGdWVwUDBha1F1dnY3NVVIb25aSGxJdw?oc=5) · kens5.com
- 2023-11-07 [Local credit union strikes deal with McCombs for new HQ building - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNTDhpWmxwYkR3cEc0Z3JRS081Z0JWNHVrMlZOdk9NOHV1aE9TM0p6N0NmRVljT1NtTnNGRXYxMHEwV3g2eVJjWm5MNlVNT0xYbHJSLUIzUjkxOWFXbGwzeDYySExEam1TRDl1SmVzcW4zellmT29NeTktb2t1RnhldS0tQUxaUEtuX2NyYlhVXzQzMzlhWEZJdE40RGx0QktJU2VaWGhpUQ?oc=5) · The Business Journals
- 2017-09-22 [Credit Human $8.8 million incentive package at Pearl provokes skepticism - San Antonio Express-News](https://news.google.com/rss/articles/CBMirgFBVV95cUxQc25ibHpfRzdndmFUNXo2YXZNYWFJd3RSTGFyNC1qdUZzeWtPR2xPLTFadDFXOTlCXzQ4NFY4UUkzMkVwSThNenpNcWVMcUdObVpQaGtsbWc4VGY2Uk9jeEVPT256dmt6dkJoYU5YeTAxZW9jemZfZlE3LWxfUjFxdFdobEgwSzBMZnRQLWhTWFdLdGV3MndpTG41NkNPUWZKakJRTll3Q21SbVNrRVE?oc=5) · San Antonio Express-News
- 2017-03-03 [Feds grant SACU new name as a nod to members across US - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQdVA2OGxkR3pJeFdpQUM4eEpNRTJlemRRcjhmeGJEcFd3QThFOFE0TXF0VTRvd2VfN0V6ZS1OQzZEU1I5MnpRZGVaTmFVSUhsT0N1eEFsSm1lTWxYQW5aYzVFdDJLLTF2TkhqOEUxaXQ4V09fZHhrUjJOYjVHeTU2VGs1Qkd2VURDLUR4RTJtYncxdF9uQWVPamFpUzNzUkNsMmUzNzJ4cw?oc=5) · The Business Journals
- 2016-04-13 [The best Fiesta medals of 2016 - mysanantonio.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOeUNJVlFsUnRPMG5hUGxZT0NWMTFTNU93YUNrNGlENU9sMnR5NXRhckJJR0o3M2E1TzlDTU1CeHpORFdkNGNwTU1KMjJ0R1I5MXhJOHdIdkNXY1VDaVlibFAydm5IbmpfMFdaS25FOXZNS3BGRjhYUGFmQ2tza3dCWnVIOGFqRVBTM3JwX09PMA?oc=5) · mysanantonio.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61267 (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 "61267", 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=61267
- 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