# DOCHES
Nacogdoches, TX · NCUA charter 62446 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/doches-62446

Who the members are: state charter, organized 1951, low-income designated. 11,737 members of 70,000 potential (16.8% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $64.3M |
| Members | 11,737 (-1.7% YoY) |
| Full-time staff | 24 |
| Net worth | $8.8M |
| Net worth ratio | 13.6% (p59 of band) |
| ROA (annualized) | 1.30% (p78 of band) |
| Total delinquency | 0.61% (p49 of band) |
| Net charge-offs (annualized) | 0.02% (p21 of band) |
| Loans / shares | 80% (p83 of band) |
| Cash / assets | 26.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.50% (p88 of band) |
| Operating expense / assets | 5.80% (p94 of band) |
| Vehicles % of loans | 75% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 20% |
| Third-party paper % of net worth | 76% (p80 of band) |
| Vehicle delinquency | 0.74% (p60 of band) |
| Vehicle NCO | 0.07% (p41 of band) |
| Repossessed % of vehicle book | 0.02% (p77 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 17% |
| Average share balance | $3,454 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $14,342 |
| Loans granted, annualized | $20.4M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | 3rd-party paper>100% NW |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling, members leaving | 3rd-party paper>100% NW |
| 2017-09 | 0 |  | net worth falling, members leaving |
| 2017-12 | 1 | auto monoline |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | 3rd-party paper>100% NW |  |
| 2019-03 | 2 | charge-offs p90 | 3rd-party paper>100% NW |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 4 | delinquency rising |  |
| 2020-12 | 3 |  | delinquency rising |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 3 | net worth falling |  |
| 2022-09 | 2 | delinquency 2x band | delinquency rising, net worth falling |
| 2022-12 | 3 | expense trap, delinquency rising | delinquency 2x band |
| 2023-03 | 5 | losing money, charge-offs p90, assets shrinking | delinquency rising |
| 2023-06 | 3 |  | losing money, charge-offs p90 |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | net worth falling | assets shrinking |
| 2024-06 | 3 | delinquency rising | net worth falling |
| 2024-09 | 3 | losing money | delinquency rising |
| 2024-12 | 2 |  | losing money |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2025-07-01 [Sabine County woman pleads guilty to embezzling from her credit union employer - KTRE](https://news.google.com/rss/articles/CBMiYkFVX3lxTE8tQTU0V3ZfVnp2NXMxc2toc2ZFTzM1emhzYkNWNEh4cXEzWUozdTV2TmhhUnB2UU5PRkxrdmw3Skh0d1I0YXVhZ3lmX05IQUJYek9tWHdzdkk2bjFyLWZDeFB30gF2QVVfeXFMTXFCb3VoeHRqQzhpXy1RbVhBYlYzZ0dhUnU5M2Y2RlU2WWNNVF93cTBCbTd0b0JERzNndmhGWFY0dDY5OXd3UmViOEZSZTdtcjdnb09rMUJvNkhUcGtqTkNEb050dFdwWDNySy1BU3RJWDBsTFRiQQ?oc=5) · KTRE
- 2025-11-25 [Former ‘Lone Star Law’ game warden faces additional charges in East Texas credit case - 12newsnow.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPM2tfRkFJb0pqaHRIUzBIQWx2TW1vQnNVekNVeHBGZGFLaXVWdHRkZndNbjJyR2pJOFd1eG8tV1I5Q1hzNGxhYWZxNHNoOU8zX19pVHhoWENQNmp4bjh4WnhaSm1peHNNSjRhZDdiVEtBLU82cVRKWl9VeE1ZeEkzUFlFRGxqX3AySnFwQ2plZml3UnJLQVJxLUdQRWFQV3JjcmJ2TmhyWXdTNkhEXzBscW1PSXFWazdOY2t0NmFhMlpPWHp4QmZ3N0MyWnBSTFNzdjBsel9KX2NpUEE?oc=5) · 12newsnow.com
- 2025-11-25 [BREAKING: New grand jury indictments against former 'Lone Star Law' game warden - kfdm.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQNThKTW50Y3lKTmNMRGNOemo0WmZQMjNWOXhwTllUSW4wTk1tVzRuZ1VSTDdzQXczM2szWHp3WWd1TGlHR0xkTFMwWXg4c3h5Z1VtRlhJbk5IcDNudkRndTYwR3h4amFkbm80WjZ0UEZfR3hqWElZeW1vOGxzQ29CeVNrbHhMYlNDUnQwRHZaYUNMZnBkTjZCVXNLNkctLXZOR1BiTm9Scw?oc=5) · kfdm.com
- 2025-11-28 [More charges brought against former Jasper Game Warden Justin Eddins - KJAS.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPNFVhdlBkN0dVRXhqRV95MWhPOG1KN19MRjZhUXZ2X24zU0JlNkJaUVVpMXA0dFNhc0Q0T1dlM0RuWnJVai1ScXNGZGlmQUF2bExmdFR2eUpIYWJsdUxIa2pyYlFGMEltS1ZkSi1oZmFPOGdFRzZxTzQ3RzUxS2ppdVRReHZwSm02aEc5Yi1Lcw?oc=5) · KJAS.com
- 2016-03-31 [Jury sentences Nacogdoches man who robbed credit union to life - KTRE](https://news.google.com/rss/articles/CBMimgFBVV95cUxOdG1uX2lsbFdLR2s2RlRhd3NsNE5vZU1DOGt3UVVuVEpoYmtTSkRIZllEVmw1RDl1SnZ0VzlJeTRfT001QVhIUmZZRURFbGhmelJEUDRnQl95OWtxSV9ta3FPSTdiTVJwdldHRU9sQ1lyQVlNWS1jdEhPUDFJaTFHN0dCeGtKMXBFQk8xdkZ6Q2Y4enBGeHl0Szdn0gGsAUFVX3lxTE01NWtHbk1mNGlBN0hGTElHdFhHRG9RUWJXeHpYR0s4RnFERVlqVk9IQ0RtbXBJUGFaeFg4V25WVVhXMXdQamFkUEhzR0dWSFhwZmFpXzhYLV9IZi1ERFdnTDM2Y3dDNUhSV0RBa1hrMmNtaVdoX1AwLVZIYjNGdVYyeDJaNjliNVpSWUY0d25Od3p2dGtFeFQ3bmJSLWdldTRvQVduVzc3VkNEb2U?oc=5) · KTRE
- 2013-01-03 [Thelma Burke Obituary - Nacogdoches, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNTXNtUF9rd1dXaWZnVmhwZXhHd1U5aDNMWlg4X09BeWdhWnFQc2Q5T2h3amZ6N3VjUEFjVS0zWGdPYURUQ1VpNEpIN2tQTWhIcDVGVEY4d09iVWppdWVwV1BzZ0pFcmllSmZMOW9zcDZIc2s1LUdyUmU5YndHLXQwQVp2Umg?oc=5) · Dignity Memorial
- 2023-02-15 [Lexi Renee Booth Obituary (2023) - Nacogdoches, TX - Laird Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBiZ3dlcWxNRmxxbzg4VlUtY0ZfRDZ4eno2Y25vemI2OVFIVXhfY1cxQWVjakxRTnZSRzFLMVB6d1diQVF4bWZ0U3JZR3g0aUE4aEREdGdBY1pGVDVYRkl1MkU3MVJYUnU1ck9oM25SVGdKWkdxUDhsYm44cHBqQQ?oc=5) · legacy.com
- 2026-01-19 [BREAKING: Former 'Lone Star Law' game warden once again in trouble with the law - kfdm.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNWVhIeWlCUWZ2aTktZnhDWGFnLTdkeFRKSDU5UzZGdUJQVFBtMzdUaFdkWW41VHRZQ1A5Q1BWaEJKRnpwQ3RoRHFLOUV6b2pla3Q4N0phVUo0SU14LUM4RDZHaGVnSnNaM1FPNE01bUpXd1phanRXYVlSY1RoZjhDdXlOc2pCUm5NTi1rVGtScDBrVTVraldZR0Fzdw?oc=5) · kfdm.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62446 (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/46.json (key "62446", 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=62446
- 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