# A+
Austin, TX · NCUA charter 6178 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/a-6178

Who the members are: federal charter, multiple common bond, organized 1949, low-income designated. 194,144 members of 700,000 potential (27.7% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 38.

**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 | $2.58B |
| Members | 194,144 (2.7% YoY) |
| Full-time staff | 489 |
| Net worth | $351.2M |
| Net worth ratio | 13.6% (p88 of band) |
| ROA (annualized) | 0.69% (p49 of band) |
| Total delinquency | 2.04% (p98 of band) |
| Net charge-offs (annualized) | 1.43% (p96 of band) |
| Loans / shares | 100% (p91 of band) |
| Cash / assets | 14.4% |
| Borrowings / assets | 4.66% |
| Net interest margin | 3.99% (p89 of band) |
| Operating expense / assets | 3.57% (p68 of band) |
| Vehicles % of loans | 24% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 76% |
| Third-party paper % of net worth | 289% (p84 of band) |
| Vehicle delinquency | 2.70% (p99 of band) |
| Vehicle NCO | 2.93% (p95 of band) |
| Repossessed % of vehicle book | 0.63% (p98 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 55% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 24% |
| Average share balance | $4,724 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $170,236 |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $28,497 |
| Loans granted, annualized | $503.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $170,236 outstanding purchased (0.0% of net worth), $17.0M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.3% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **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 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | loans>95% of shares |  |
| 2019-03 | 2 | delinquency rising | loans>95% of shares |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 2 | loans>95% of shares |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | leaning on borrowings | loans>95% of shares |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 1 |  | leaning on borrowings |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | loans>95% of shares |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | delinquency rising, leaning on borrowings |  |
| 2022-09 | 6 | delinquency 2x band, repo signal |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 6 |  |  |
| 2023-06 | 6 |  |  |
| 2023-09 | 7 | assets shrinking |  |
| 2023-12 | 7 |  |  |
| 2024-03 | 8 | charge-offs p90 |  |
| 2024-06 | 7 |  | delinquency rising |
| 2024-09 | 7 |  |  |
| 2024-12 | 7 |  |  |
| 2025-03 | 6 |  | assets shrinking |
| 2025-06 | 5 |  | leaning on borrowings |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |

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

- 2026-09-08 [A+ Federal Credit Union Earns Two Top Honors in 2026 World's Best Consumer Digital Bank Awards - PR Newswire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxONGtHUVQ0UjNnNmQtU1VPWHM4eGhLNmJLWUtSMlI3d2dHOG1udml3U1J6N2NhTk1CYWdjQXh1SnVpVFhqTnB1M1Z2UFo4akNBLUQ2Q2hEajhlVEtIZmtiRUJ5MzZGcm5MTzB4UndJNDRPLWNUc1FWeEpvblNQNnNMRFMwUFVOU1J2Z3Uxc1JTVGRiZUZ1M1VGalNzaDJneVo4WFh3enRBYmtMMEYyWldBZV9XeFhsemdSN0tGQmdGM3Z1ZHBvbWtHdXk3Z2F0bjhWRm55VHJsU3hGa3I4UFJiRHd3?oc=5) · PR Newswire
- 2026-08-31 [The Best Credit Unions Near Austin, According to Locals - Austin American-Statesman](https://news.google.com/rss/articles/CBMibkFVX3lxTE51UktMa0ZiZGxBR2tRT0VaOUFOeVpoSkZzZWN4NWVmYlBrQldqcWd0U1hHWk1menNpTmpURFlQQXFkN2kta3I4c3FWWVcyYndQYldoTFQ1anBBeFZua3RQX05aNWRrUFFKRk94cjJn?oc=5) · Austin American-Statesman
- 2026-06-04 [A+ Federal Credit Union encourages community giving with Austin Gives Awards - cbsaustin.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxNT2VKVVk2anVhWHVVNFF3Y012MlpMeFEyd2h6WTV2ZkpLY3BNbjBiRlNrNFZlejBIR0NTYzRYUHZjSlM4UUwtcVZSNXZGa2x0QVVNMnRjWU5wXzkyRlJaa2hIdkt1M09QUFZSZ1d2S0Nod3hoM3dtbzdKZlhabWxHU1ZQbURSOUtJQXVKLXpyU2tGMUNhajBXQW1KU3RhaUE4RnBhbGN2OEY0WGh3U0RiVTNWd09QZkNoaGNkTw?oc=5) · cbsaustin.com
- 2026-07-08 [A+ Federal Credit Union partners with Dream Publishing to bring financial education resources to Central Texas - CUInsight](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNUEdzVGpEblNuaGZ3VDNQZVlRVWhKUGM1WHNDN2ZFcmVqN2tJMUliSmo4aUJKb0NpVVlKNktjaVFuNzRyRG5XWXdjcjd3WjE4c2p3TWttck5ybHVfdERrWUY3bEo2Y09KNVBVdFhYNXI4Ri1MNzM5blh2bkI2eGNLb3JLQmxLaFQ1bHpyYlNIMjBtVzBWZTBuaWM5MkFHZTh2cFVyS2dHMG1ER1YzZURGd1EtSlJSNy12bU54cUZ5UWZBd1d4RmxxZGIzM19NYUhCSzVNc3ZIX3lkV2FTYnFBN3I0YXA?oc=5) · CUInsight
- 2026-06-03 [A+ Federal Credit Union's 3,450% digital funding jump earns fintech award - stocktitan.net](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNS1JFamZJcXFsWmVOdnVDYXFBUllsOHNkaG5JNDhVc1BmNHRUZkpfeDh3OHNjVF9NZEtjSHFodzloaXdRbUZGbUt0ZzFSRmdCTlFuVlpfa2IwWUQwbGR2akFWWldkdVpnUm1XbW1nX0p5UC1PSUFocE1DZm94RnMzblZ2X3ZSalRPWVpWMEk0aVpBZ0hwbHFnMDFRc0otdm1KczBMVzVRbVF5S01vRF85X2NMaThlbDJnQjFzeEVnQVE?oc=5) · stocktitan.net
- 2026-06-03 [A+ Federal Credit Union Receives 2026 Q2 Excellence Award for Fintech Collaboration - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOOXNIUjBLUVpGZnpGZ1k4blAtdFhuaW1RU0RWQ0VxR2RaRmJ2bGw4aU9GNldScGxOVkNTMVotcl9NV3pGdWNjRzBZM2pHcDJNRC1ZUEVOOGlDOUdJMzE5UzFwc1hwYVJzWmpQUkVoVmhaNEVEYW5URzdkX0puUzA5UUpOM05BYnBhMzVpY1ZJZkhEYlB4a082cURaMjA1VzRrcnZIdFNET2VEVlMwRjRXZk81U01pUGk2RzFfRDFROTAxRnNrTElwcFk2WnJqX2dKeWdSRQ?oc=5) · PR Newswire
- 2024-11-14 [A+ Federal Credit Union Announces New Senior Vice President of Lending - Business Wire](https://news.google.com/rss/articles/CBMixAFBVV95cUxQN2FzWnc5LWZLbHd5aVdlSEhsc3hMRjI2eEFiaE1hck1HNzdqYm5aQkVxQlk0a1k1Q3hRNDhkc0VkREM2NXdiNGwyb3JtWjg3elIxRFNOWkdjWmtUbHJkVHNEVHNuOS04V05xT2F3bGxNTFIwaEs1aXJDM1JrTHpzRUVteC12LW5QM25pZldCRE55aWI0UFc1cTdfMzlmcUhiaC1nZktVZXFZeERIT1R6TnNScE9lM25vOTlhZUl1U2Y5Ulhz?oc=5) · Business Wire
- 2024-04-03 [A+ Federal Credit Union Pays Off LISD School Lunch Balances - Leander ISD](https://news.google.com/rss/articles/CBMikAFBVV95cUxOeG9nNHJrd3RadW5ObG1xcG1CbWNsVWdJRi00c0NkMkVfeEQ5ajRDQzZwUWhicUFEQ0Z4T09tZXZoSTB3VGF5eUdTbnVrSktpelV5ZTJVOU5WS3lSRm5iS1ZiY1FCV3JWWHQtQVZwVFBET2FjRW9JSGE2T0lpTWxtX1FLZGJaMHFMZ0F1QngwZEw?oc=5) · Leander ISD

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6178 (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/34.json (key "6178", 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=6178
- 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