# TEXOMA COMMUNITY
Wichita Falls, TX · NCUA charter 61527 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/texoma-community-61527

Who the members are: state charter, organized 1953, low-income designated. 28,049 members of 1,300,000 potential (2.2% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $314.5M |
| Members | 28,049 (7.8% YoY) |
| Full-time staff | 95 |
| Net worth | $35.9M |
| Net worth ratio | 11.4% (p54 of band) |
| ROA (annualized) | 0.11% (p11 of band) |
| Total delinquency | 0.57% (p47 of band) |
| Net charge-offs (annualized) | 0.60% (p71 of band) |
| Loans / shares | 98% (p98 of band) |
| Cash / assets | 7.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.61% (p95 of band) |
| Operating expense / assets | 5.61% (p98 of band) |
| Vehicles % of loans | 39% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 238% (p86 of band) |
| Vehicle delinquency | 0.71% (p60 of band) |
| Vehicle NCO | 0.73% (p55 of band) |
| Repossessed % of vehicle book | 0.58% (p97 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 122% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 30% |
| Average share balance | $5,709 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 27% |
| Average loan balance | $25,479 |
| Loans granted, annualized | $102.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $251,996 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 10.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **repo signal** (`aq_repo`)
- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | net worth falling |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 | loans>95% of shares | delinquency rising |
| 2019-03 | 2 | repo signal | loans>95% of shares |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | loans>95% of shares |  |
| 2020-03 | 2 |  | loans>95% of shares |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 1 |  | repo signal, net worth falling |
| 2020-12 | 2 | repo signal |  |
| 2021-03 | 6 | net worth falling, expense trap, margin squeeze, charge-offs p90 |  |
| 2021-06 | 4 |  | net worth falling, margin squeeze |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 | loans>95% of shares | expense trap, charge-offs p90 |
| 2022-03 | 4 | net worth falling, expense trap | loans>95% of shares |
| 2022-06 | 3 | loans>95% of shares | repo signal, net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | expense trap |
| 2023-03 | 2 | expense trap | loans>95% of shares |
| 2023-06 | 3 | loans>95% of shares |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | repo signal |  |
| 2024-06 | 4 | delinquency rising | loans>95% of shares |
| 2024-09 | 3 |  | delinquency rising |
| 2024-12 | 3 | loans>95% of shares | repo signal |
| 2025-03 | 5 | delinquency rising, repo signal |  |
| 2025-06 | 4 |  | delinquency rising |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 5 | net worth falling |  |

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

- 2026-07-15 [Texoma Community Credit Union hosts Patriotic Blood Drive, supports community - News Channel 6 | Wichita Falls, TX](https://news.google.com/rss/articles/CBMivAFBVV95cUxQU3ZPMnh3a2hjbWV5cHFfM3phMzlGRFdxQmF3RmpINkY2eDlnR01fN0p1OV9VZXBoajdPbzhFXzVNdHJkWmdKTUlNak9zSHliUHBUZkh6NjFad0xtekkxQUpJeFBRZXpWS3AtVkdQRkN0M2x3UF9ZUl82WFpMWVZUUTJZUkhVOE0wRzJYbTB1QzM0RnJBWUJtV21EbUlzZ1dnZkhYQWZ6aTh4VXFLRnpuOFRkcTI5R2p0VW5CNA?oc=5) · News Channel 6 | Wichita Falls, TX
- 2018-06-12 [Texoma Community Credit Union’s Big Announcement - Texomashomepage.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQeFNfemhPU0JVOWlsR29Cdm5HZ0RTa3FSUHVEWnhBZWI0NU5SVjlqUmNrbzJOYXB1VDNrb05oMEhtM2hCOFcxTjctclFsZXlYZGxWZFpSdG9FNzR6MzdGc3EwbUtjZUVyaktJbFR6bTlRMlBNdmpDRWpwSTdRWDJNSGNFcFRHU1dhOTQ1ZFJFdndkbENBWUZNU1NEc03SAaIBQVVfeXFMT1djQk5tcjJZcFdENzBfQ3dBcmlIczQxbzZfNjlNc0xjWFYyeW45SzVybVdKTFZJU21MYmRWZUhDc1BCOS1Tc0pILWdJWVd2LUFRUl80RmdBakQ2QU1oSkdhc0JCazNfc1hETEQ5cmo2aWlkQjQ4N2o2YXlBZlpCTzlaUFRyNEFyamtfT2UzQWxTQUNGckZZSTVzYUtfOW9rX1l3?oc=5) · Texomashomepage.com
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2017-11-29 [Matter of Record (Nov. 28, 2017) - Times Record News](https://news.google.com/rss/articles/CBMiswFBVV95cUxOdE9tYTBZbmROOTdwQ19YX045ZUNIS1I2aGlpNWlmNG9JTENjX0tBWjZnOGl4V3h1ZHRYQ1Q3Q3VSaTNYa25LQmk4SlFyUGVTd2tLeTJPMDhEc09PeGgxY3BXZjhfeU90YUZWMUZ1RFNKUW1wTGRQdXdIUGllNFJ3NGE1TDVLZXNWMXZicmVKaFM1NVRrU0VHZkF5ZXdZdEtKdnZyazhuT2hsajFnSUtjeWRSTQ?oc=5) · Times Record News
- 2019-03-21 [Fraud alert from Texoma Community Credit Union about fraudulent checks - Texomashomepage.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxONmJGbFNVZ0pfMUo2XzE5eWxRbVE1cmJBc21acVd5NWctcXdqMVRtMEdkWHpfWE1yQ2hWNzdhamNjTmgtSkJySjBUbG01UXNiYVBuemJHczdXVTM4eHZxSmhIem10NE9vRFdwR0s5OVZTMmZVLTNPZERTMEYza0FoUDV2Q2dmeEFXZDlDd1dpSHQ5d1F3cWJpNzBGcmNkQlZyZmY2NUZyamRwWTVUdHlvRTFlZnp4VlpRSEtz0gHAAUFVX3lxTFBZWXJaT0t5QTlwekpIblNwMElfN2dCSzBaQlFXRld4enFkSHdkTUYyTHFFemx2ejgzZGs2bmNDZklfQk5MVGZRN3J6cV9GNnlDSmNBNDgxVk5EdlFMcHNVZXdJM2dXUzVScDNHd3BvYzVoeDh3VDdISkJFN083NTNidlFCV1ZVTkFNbmRuZHE5dHlRdk1sOURfNDBjSGxfN1pjOHhWVk9lWldQVFBxQzdxay0tSThUMnRQc010VHNPOQ?oc=5) · Texomashomepage.com
- 2017-07-18 [Matter of Record (July 17, 2017) - Times Record News](https://news.google.com/rss/articles/CBMitAFBVV95cUxOSkM5aWdrSXJnYmZ4QUhkSER2ZC1VbzdpZmpBQjgxREpFRmNRdEF0SXh1OEtaazFhNEtaQUJ5X3l6U09MQ0lrdnpjeHdnZDdhbXBMQmNNSUhhdTRRM0x2WUJ1UER5WFZrc0tEelNiT1pZYk1fSHQ4ZXJXSkQ4YWxscjM3QXg1bUl0MWNCcWpUd1FoalJfeG9UR3NCZE8wcm1aODh3ZFFzTU5LU21wMXJmNTlzOEI?oc=5) · Times Record News
- 2017-04-11 [Matter of Record ( April 10, 2017) - Times Record News](https://news.google.com/rss/articles/CBMitgFBVV95cUxPck1hS0prR19pdmtjWlQ0MVFnR1B3V1U4NWZBNF9Zc2xuQko2RnJhX0RqV0dlbExabkVSV2xoVm9kQjdhYnVLX0lwZFdNYTNXa0pjdUJPdk0ycUdGWmpYbFhJak1JVlA5NU9DdWhsdHhHSndWUnhrYV9DRE5MbUxfNUlZTU40Vkw4N0FFeXB3TGFUbW9ZLV9tTlNvMEEwbU9nZnZ4d3NvUFlUcVpvRVJQek9aUnE1dw?oc=5) · Times Record News
- 2017-06-15 [Matter of Record ( June 14, 2017) - Times Record News](https://news.google.com/rss/articles/CBMitAFBVV95cUxNX3l3UGo0YmE3NUxhQ1RHNG1TVGRmNUVPdXI5aHI2X3NRMmFkOXFBY0loSFdtN09xXy0yeHZZcWNCckJzRzR0dUl6R1dfandhWGsxNHVTN0FaMVNmeWs3TmgtT2RSTVZwSmM5dmdsMmpQQVpVZXBVS2FGN0ZaT2hBVzYyVlQxUFRqVlZXeHZRRzJuYjVqYjRDMkhUVzZmMC05VzZOS1ZHRUtHMHdwMl9EYUlSUzM?oc=5) · Times Record News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61527 (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/23.json (key "61527", 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=61527
- 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