# TEXAS BRIDGE
CORPUS CHRISTI, TX · NCUA charter 61306 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/texas-bridge-61306

Who the members are: state charter, organized 1951, minority depository institution. 6,727 members of 346,273 potential (1.9% of the field); checking penetration 57% (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 | $95.3M |
| Members | 6,727 (-0.3% YoY) |
| Full-time staff | 22 |
| Net worth | $7.9M |
| Net worth ratio | 8.3% (p5 of band) |
| ROA (annualized) | 0.96% (p64 of band) |
| Total delinquency | 0.23% (p23 of band) |
| Net charge-offs (annualized) | 0.16% (p40 of band) |
| Loans / shares | 74% (p74 of band) |
| Cash / assets | 29.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.59% (p47 of band) |
| Operating expense / assets | 3.60% (p52 of band) |
| Vehicles % of loans | 61% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.09% (p15 of band) |
| Vehicle NCO | 0.10% (p43 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 33% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 31% |
| Average share balance | $7,259 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 25% |
| Average loan balance | $19,863 |
| Loans granted, annualized | $22.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, charge-offs p90, auto monoline |  |
| 2016-06 | 3 |  | losing money |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | losing money |  |
| 2017-06 | 2 |  | losing money |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 2 |  | auto monoline |
| 2019-12 | 0 |  | thin capital, delinquency rising |
| 2020-03 | 2 | thin capital, delinquency rising |  |
| 2020-06 | 3 | net worth falling, auto monoline | delinquency rising |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 3 | delinquency rising | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | net worth falling, losing money |  |
| 2023-09 | 3 |  | losing money |
| 2023-12 | 2 |  | net worth falling |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 3 | delinquency rising |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 4 | net worth falling, delinquency rising |  |

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

- 2025-02-10 [Yolanda Montalvo Obituary - Corpus Christi, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMijwFBVV95cUxNWks0QzRsSFRJUy1jek1DTm0tNEZVY0JvWFVGVl9SSmRkNDFWVDBVNk04ZmVfOWVFdE80MjNTeG9mdERLdUMxQlVHTlNMNTlQaTNZLXE2NFRpMlVpN0RFalh3UEliNWNTY3U2VWxYY0Q3QmZwczF3NHlSUWhEclc3dlFPQ1lTZEhiTmVuX0hLSQ?oc=5) · Dignity Memorial
- 2026-03-07 [Hooks Reveal 2026 Promos - MLB.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNMFVTMXhGQjJCbkZ2R1RlOE1mOHBERFEycnVWNlZMaHJyZ19ieTc4V3NOS09uQnFSNVlfVEs4NWJicFRBX1RIOExsTF9VNW9BLV9aV29IcFFRa2lIY0dFTjVscDhJd3B0TUthUFZIMXNsT2FncnFEd251R05jS3EyVTUxeFZ3Nzg?oc=5) · MLB.com
- 2022-10-24 [Corpus Christi City Council District 3 Candidate Profiles - KRIS 6 News Corpus Christi](https://news.google.com/rss/articles/CBMipAFBVV95cUxQNk5tNnBub1ZmbThJWVljRDlSU01JLTNtSHJFVUdGTlZsUUxGRVJtU2FxY1B4dTlMU2Jvc3BqRW8xNXdDaHduZVZnaFdBWmhNaTB6a05zbXd6TDlpYTlvYU5CN1RoMjlTclVpdHREcjJzMVFsang4eEVVRFJRZFhpQnpQbkJCcS1uLVVycnZnYVI3RDFKa3ZFdS1BcE5scFcyWDItZA?oc=5) · KRIS 6 News Corpus Christi
- 2022-04-25 [David Whitehurst Obituary (2022) - Winchester, IL - Jacksonville Journal-Courier - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQNkFaS1dKcnZUR3BtbE5VaEx2NDZpdG1ENjE2bExHbC1CN0hHSUp2TWx3UEdJbFVDRWRHbTEzS2d1bGFlbUR4NDBOWW0xQ19ucmc4N2pHODNaeUlpT0JINlhHbWxyaTFjaVloZ2l2TWk5UVhzMGxJVUFyY3VIOVF0TUl1SldqekY5Zl9tRXhNX05LZjVQb3hqLUNCNVk?oc=5) · legacy.com
- 2017-11-20 [Corpus Christi man admits to robbing credit union, tied to a 2nd heist - Corpus Christi Caller-Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxPQUJib1JKQlAyYm02X21TR3VhMnZBN0VNOGY4bFFrSFMxOTZPN05CaHdiRkJNWTRkU0k3UGNMR09XMjR6ajY4XzFvbEplRk5OTFN3dmxyQmRtcFpfRzB0M0MxcFdyenpRREFURlYyd3Y4X0VtbnNvOVoweDhTZVVJSzFraTJvLTNJVTRMSVlnbXA0TXgxdGRxRDlyak5ha1cydVg3WW5R?oc=5) · Corpus Christi Caller-Times
- 2024-09-26 [Linda Contreras Obituary - Corpus Christi, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMijgFBVV95cUxPVDBTRVZvdmttUzBwbjYwWW1TRXRBMEg2eHFhbGxHQ2oxUWZhS2pYd2c4WnVpSnBBOXlfYi1GYkF4T2pKeVdIbnUtMC1TaWxuVUVtQVNpWWdBV2FvTGF4dXJyNHJFQkxXOU8wUUlqNy1uN3RpX3dZbjNTNDBacE1UTTNCbFE0OFJRSUZpWDF3?oc=5) · Dignity Memorial
- 2020-07-05 [Horacio Oliveira Obituary (2020) - Corpus Christi, TX - Corpus-Christi Caller-Times - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQN09WQ09FRG1rNUUtdGpGMnNWWXlJVkc5RXFsanZLRkltT2U5UER4c2VLYXZDd2pydUM1OUpfbUIwck54LWd3bktBMmhYaWVmMUFidUpnVEhPd2h3UUxOS3B4TWZwUXItOXZ6cWUzQUNYS1FVMUs1VzBKc2ZQUXF4RXNjZm5NLXNUZkwxTmtn?oc=5) · legacy.com
- 2022-04-11 [Olga Valls Obituary - Corpus Christi, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPMzdVZFo3ZlNTSlB5c0RhMENmZXF1U1B5Ujh5U0hiMUxFdXdLRnEyaTl0ZUxfZ0JYNGItZG9sZ1NDalJUVFg1LTlnbmVSUEM5bktvdDdacEdqQ012Z2lNQ2pTSjd5NWstUWp1NDFWRnJIS3FMTlBuVVhPOHp5ZjFENzd2Um1uTUk?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61306 (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/58.json (key "61306", 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=61306
- 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