# MEMORIAL
Houston, TX · NCUA charter 62571 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/memorial-62571

Who the members are: state charter, organized 1953. 9,907 members of 20,000 potential (49.5% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *ordinary*. 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 | $85.7M |
| Members | 9,907 (-3.6% YoY) |
| Full-time staff | 25 |
| Net worth | $9.4M |
| Net worth ratio | 10.9% (p30 of band) |
| ROA (annualized) | 0.02% (p14 of band) |
| Total delinquency | 0.65% (p51 of band) |
| Net charge-offs (annualized) | 0.50% (p71 of band) |
| Loans / shares | 89% (p94 of band) |
| Cash / assets | 18.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.77% (p93 of band) |
| Operating expense / assets | 6.01% (p96 of band) |
| Vehicles % of loans | 53% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.71% (p58 of band) |
| Vehicle NCO | 0.58% (p70 of band) |
| Repossessed % of vehicle book | 0.16% (p89 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 16% |
| Average share balance | $5,549 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $12,103 |
| Loans granted, annualized | $15.3M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | delinquency rising, loans>95% of shares |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 5 | assets shrinking, members leaving | delinquency rising |
| 2018-12 | 4 |  | assets shrinking |
| 2019-03 | 2 |  | loans>95% of shares, members leaving |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | loans>95% of shares |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | net worth falling | loans>95% of shares |
| 2020-06 | 2 |  | auto monoline |
| 2020-09 | 4 | thin capital, margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | charge-offs p90 |  |
| 2021-06 | 3 |  | net worth falling, margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 1 |  | thin capital, charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 2 | loans>95% of shares | assets shrinking |
| 2024-03 | 1 |  | loans>95% of shares |
| 2024-06 | 2 | members leaving |  |
| 2024-09 | 1 |  | members leaving |
| 2024-12 | 3 | delinquency rising, members leaving |  |
| 2025-03 | 5 | losing money, assets shrinking |  |
| 2025-06 | 4 |  | members leaving |
| 2025-09 | 5 | members leaving |  |
| 2025-12 | 5 | repo signal | delinquency rising |
| 2026-03 | 3 |  | losing money, repo signal |

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

- 2026-08-31 [Gear up for game day: What to know for IU football - IU Today](https://news.google.com/rss/articles/CBMilAFBVV95cUxPNUxKTFdDdWFNc1dwQmlCd19qQk8zU2dKZHdMT29vT1ZpTTQ0QVFoRFBVWTFGeW5zRTU0VUVKMUtxdFQzRGtmUHlzZm9wSUVyeFFySnpJeHNveEhZRDdtS2l4Zm02TE9lMFpUM2tHaVNrS29PNXZLckt6dF9nZWdiY1Nnc3l5T29OYi11RmRlT3RhdG5y?oc=5) · IU Today
- 2026-06-24 [Analysis: How Arkansas football stadium partnership with CommunityAmerica aligns with national trends - Whole Hog Sports](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQTEhVZ29mckFaU2MybHpTaTdOc2NQU0hRVmJ6M0tacTdlS1FvdUdZNDdzRkY1WVZwazF4QTc4Szh0b2J3NkRxYURzellqWkI2VjZNY0ZuR3lQUnhxLXRFLXBnQzB6aXJSSWMzOEdJajUxOXVQTGhWeE9PaEhRZlJ6MTFjNjlXeGpaeWxkelN0cjNTQlZ1QTVjREFlR2d3ZTZiNF9ycEZ6LV9GRHk0Qmo5ai1JOXdSZ1pIN3pNVktMTTVGZw?oc=5) · Whole Hog Sports
- 2025-12-16 [Paula Flasowski Obituary Dec 16, 2025 - Memorial Oaks Chapel](https://news.google.com/rss/articles/CBMibkFVX3lxTE14WmNiTXdobmZSZ0h3OXRwUXZ3SDhBdVY5Slk4N256RzRib0EtekNpVWFqdWxsWU5sMU56M3p1cjJyZ05STkhCaXNUVU1jMTBpajJSSXJTZEJEZlV3ajZCY2lWcThlcHNqU1huRmJn?oc=5) · Memorial Oaks Chapel
- 2026-06-09 [Art Bourgeault Obituary - Frisco, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPVU1WaEpWMERILW5yMEJnNDdqSnR1Wmx3Q2JHUTB6am9Ga0hMaXl0NDNNczBnUnVTVjlVai1rUEMxbnM1QlhkWldxMGVuNUVSeWhzaGhiRG55RmJqWnJvdjZzSWRKa1VfZzd6dFFTWFdZcEk0T0Zzb1cwVW45SEtnQWZn?oc=5) · Dignity Memorial
- 2025-12-26 [Richard Dale Cole Obituary (2025) - Odessa, TX - Sunset Memorial Gardens & Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNMTcyTHJpZmJwcXRDcGlyQ2dDeWljVFQ4aUVlTnhXRWZmYUROcUJpcnAzblFfUTBCNW9pSFFnTTJBNE93Q2NtLTBldkZhTmtaVkJxQWQ4bzRZNU5YejhST09PaEhiV2JsM1laZUc4RG1IVnZEVzdWMmxEdUc1ZzFScw?oc=5) · legacy.com
- 2024-03-22 [Rally Credit Union and Vets Memorial High School partnering to give ten $1000 scholarships in finance seminar - KRIS 6 News Corpus Christi](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOd3dZVExRbHFYVVRlWGY0RkFmTGdUbWN2dVhOZDh1N1ZXLV9KSzdLcDNtNnBwOTZZRkhiUGdORDhGcDlhb09zNS05V1lhRzVMZnRldEdiLW5xeVVHMEFlNGN2RFdUd1A1OGZEelFrSTc0X093ZUtvYjhHUVpCTF9lVy1EY2pVNEE4TnUxQlUxbm5XREFCRDUzNjRqbVpBdXdnbVJ0c0xTa3J0UkNRSXltLTNiVzBGU1FMQjB4VHMyQ1ctNlE5UHFITjhJY0NQRUkzUS1iMW5VS2xvN0Y2U3A5Yg?oc=5) · KRIS 6 News Corpus Christi
- 2024-05-07 ['We will not be broken': Allen honors mall shooting anniversary with somber memorial - KERA News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOSFM2NGthM3dSaU9NUkxOQThXb0xTS2RITGR5bjJWaHFYSVdfeHNFVzNYQl9vNF9vaV9XcTZ3WlRRYXV6ZkZIbkExcmR4NEhnZ29JWEtpbVVRVEFjNVBnWm5NUFljLWVjZUVTZFRnY3FNS2NCM09kNUt3T0hGdzZfbU15anBJSU02?oc=5) · KERA News
- 2017-07-02 [Kadyn Pitts Obituary Jul 2, 2017 - Sunset Memorial Gardens & Funeral Home](https://news.google.com/rss/articles/CBMiYEFVX3lxTE52MTVMN3drVFdoWXNTNGVZbDN2TWwxRndaU1hsaWowMkdtWlowYTRLV2Y0SmxNZW5UMHpOS0Z2dWl5NUhKTmxoUGhDYTJmcHNSN2VzMkVRRldmUGdPVVhYUg?oc=5) · Sunset Memorial Gardens & Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62571 (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/43.json (key "62571", 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=62571
- 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