# RIO GRANDE VALLEY CREDIT UNION
Harlingen, TX · NCUA charter 61734 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rio-grande-valley-credit-union-61734

Who the members are: state charter, organized 1954, low-income designated. 17,611 members of 146,081 potential (12.1% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $181.5M |
| Members | 17,611 (0.7% YoY) |
| Full-time staff | 43 |
| Net worth | $18.6M |
| Net worth ratio | 10.3% (p30 of band) |
| ROA (annualized) | 0.90% (p64 of band) |
| Total delinquency | 0.48% (p40 of band) |
| Net charge-offs (annualized) | 0.27% (p43 of band) |
| Loans / shares | 40% (p7 of band) |
| Cash / assets | 34.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.20% (p23 of band) |
| Operating expense / assets | 3.50% (p45 of band) |
| Vehicles % of loans | 66% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.32% (p31 of band) |
| Vehicle NCO | 0.02% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 19% |
| Average share balance | $4,733 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $11,031 |
| Loans granted, annualized | $22.8M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **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 | 2 | delinquency rising, members leaving |  |
| 2017-06 | 3 | thin capital, net worth falling | members leaving |
| 2017-09 | 0 |  | delinquency rising, thin capital, net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | thin capital, members leaving |  |
| 2018-06 | 0 |  | thin capital, members leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | thin capital, net worth falling, auto monoline |  |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | thin capital |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | thin capital, net worth falling |  |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | delinquency rising |  |
| 2021-06 | 3 |  | net worth falling, delinquency rising |
| 2021-09 | 2 |  | margin squeeze |
| 2021-12 | 3 | delinquency rising |  |
| 2022-03 | 3 | net worth falling | delinquency rising |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 3 | assets shrinking | thin capital |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 3 | delinquency rising, loan book shrinking |  |
| 2025-06 | 3 | net worth falling | delinquency rising |
| 2025-09 | 4 | delinquency rising |  |
| 2025-12 | 3 |  | net worth falling |
| 2026-03 | 3 |  |  |

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

- 2026-09-08 [54 Credit Union Leaders Earn CUDE Designation - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZVpnbEstUFVkSDRERlRkaWlLX240b3pWSm1DMTN4VW83REFRZzFMU2w5eDcxSGVhRVdnSlk1c3pMcmJtWk5OeUVvb0tLMWVoT3FRNElON1pPM21aZGR0eEI0SWhUY0wtN0lSSDFsSmJBcDQxenBmZFJSbzhNT2tmTFdZTXphWUZtN0E?oc=5) · cutoday.info
- 2026-08-17 [Reigning SLC Champion Women’s Golf Announces 2026-27 Schedule - goutrgv.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxOSkhOaXJZbTBDME1rZy1Xd1VURVFhdFBfTS1qSkFWcjItendWdmRwdVJzV2tkYkRMS3VKQ1JhdS01TFQwbURfOThBQWNKelVlN2JuLVZEWWthdDZzTUE1OU1QZUd2UUZDejJJQ2xVaFJGcmFtQXp4cmhCWmwwbjJFZDhRa1Rhd3ZSMWRWc0Vha3JQWElLdHhGR3VsY2FHcHEzREVHU2o1ZDhLcVNaT293SFVB?oc=5) · goutrgv.com
- 2026-02-10 [Women’s Tennis Heads to Texas A&M-Corpus Christi for Showdown Matchup Wednesday - goutrgv.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxOeEpBZDNUMmF6bmFZSUE3MjJvOUhKZDR2RzE4VHpCR0JWMHl4cXpENUt6bnlxMmFESlA2bDNMc2lFSGtrMUdSZHlvZ3RWOWRiMEdmTVdETEdfQ3J5c29LNHR3Zl9TVDBwSXFQN18wRVl3RjJYUGRPdTdlLUZ2QnBRRTI2WEJHWDN5Njh1WGZ3aXJyQVZ3R2RUYXZ4bklreFczaW0wdWE2eTFLcDVhRkd4YU56XzIzVmZrdUptazJDeXo4OTFjU1ZXNWxnNA?oc=5) · goutrgv.com
- 2026-03-20 [Men’s Tennis Ready to Open Conference Play Against Texas A&M-Corpus Christi Saturday - goutrgv.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNUTFmYk50eWlBZDdsVDFfY3lnbEJJaE5WampZWncyMnh6Sy1vWkJTSmloNnNEV19DazR6TFg2ZXNyOU5KSGpUajJTbk43OHhhemlId0QyRUgzcnJzWm43Q0RIWC1YRWZraHVFZG5Fbzl4YVVfTjdVUVFNdm9RY1JFenAzZFg4SXo5b0N3SE9XNE9ITkVmQ29Zckoybmcxc3hZdlZadVFfSElxSkgwLURmMEpmQjM2VFBhYzJQcmVDTm1OUGNfZEZVRUVKbUlydDA?oc=5) · goutrgv.com
- 2025-04-16 [Shaun Dawson Named Edinburg Branch Manager for Greater Texas Credit Union - Texas Border Business](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPalJTUDlKV2NkcmRINkFqNHBFc2hWUUdlQ040NWlBTF9qYlBzMXNkb2JxZmNka1hsZUF4X1F6V2p6SllwZUJlQjB2WWd5Q0RwNkxzcHl5S01ZV3g2ZUxLellxTW00VHNHSUtrRTl6dW9iSUNxQ2xkeGhoUmxMOThTbTZacGhld25fRkFWVmdlcE9RVFEzNmlGVlY2aTVnZHJQdW5uak5xRDJrQQ?oc=5) · Texas Border Business
- 2026-02-10 [Men’s Tennis Ready for Showdown at Texas A&M-Corpus Christi - goutrgv.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxPQjRvaUFuN2x4bmNGVDJGbjdTczV4cE5IbURZYy1jSlVadFBYMzhCOWNTcy1vZ2tPcGlLMXNZT0NIS2h2SzZMeHBINWJnYzlFZjlZbDhaSS1INHJLRG0zcVZMX1hLalppdnRhOXE5Nl91aF9JcWhjeUxpZE5FNndWYk5pc2ZXN201NjMxbFFaTTBlSGhCdGZNd2FlWEYweHF3N2xmQXQxMEZwNDFJUUE?oc=5) · goutrgv.com
- 2026-01-26 [UTRGV Baseball Sets Promotions for 20 Home Games - goutrgv.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPQW9ocl9SUHlMSTBoM0FPOHI0NHI5U1QxVDJ1ZEs4a29DcjBrR0ZzU2dXN2t3OXFWXzNfaWVUZGJVR1hHbmpwS1hEN0Y2cnMxQzJac1FvRVRFVFp3LWRPTUIxVGFGVEZmb2d2ZVFRWkRNSlQzVG1JTzdNMXl3eS16eEFIN0pEdEFIRXotSlI4eHFWdw?oc=5) · goutrgv.com
- 2025-12-19 [Women’s Tennis Unveils Spring Schedule - goutrgv.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPeDA3elBaNnIwdVhYNkNnNDB5Z2d6SjNiVFdXMXRWb1NTVUdzN213cmJETFBBV245Um9OOEh5em91T0cyS1hMV0FBQjdMWkJYX1YxcExWZkFEVC1oeERXOXZzUVJoN3ZsS0xCYUE3Q0JSbHF0WG5uTlZmWWZneVFzWVBRVC14MTVPaTdXdHB6a1d1UVpPeklN?oc=5) · goutrgv.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61734 (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/38.json (key "61734", 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=61734
- 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