# WICHITA FALLS
Wichita Falls, TX · NCUA charter 6317 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wichita-falls-6317

Who the members are: federal charter, multiple common bond, organized 1949, low-income designated. 2,766 members of 3,875 potential (71.4% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $34.9M |
| Members | 2,766 (3.8% YoY) |
| Full-time staff | 12 |
| Net worth | $4.2M |
| Net worth ratio | 11.9% (p30 of band) |
| ROA (annualized) | 0.52% (p47 of band) |
| Total delinquency | 0.00% (p17 of band) |
| Net charge-offs (annualized) | 0.91% (p84 of band) |
| Loans / shares | 69% (p66 of band) |
| Cash / assets | 30.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.90% (p84 of band) |
| Operating expense / assets | 5.46% (p85 of band) |
| Vehicles % of loans | 66% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.10% (p93 of band) |
| Real estate % of loans | 3% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 21% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 21% |
| Average share balance | $5,433 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 35% |
| Average loan balance | $10,692 |
| Loans granted, annualized | $11.6M |

## Flags firing in the latest filing

- **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 | net worth falling, delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | delinquency rising, auto monoline |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 1 |  | delinquency rising, net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 | delinquency rising | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | net worth falling | margin squeeze |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 4 | delinquency 2x band, repo signal |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 1 |  | delinquency rising, delinquency 2x band, repo signal |
| 2023-06 | 2 | repo signal |  |
| 2023-09 | 2 | assets shrinking | repo signal |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | losing money, delinquency rising |  |
| 2024-06 | 2 |  | assets shrinking, delinquency rising |
| 2024-09 | 3 | expense trap |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 3 |  | losing money |
| 2025-09 | 2 |  | expense trap |
| 2025-12 | 2 | delinquency rising | net worth falling |
| 2026-03 | 1 |  | delinquency rising |

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

- 2025-02-07 [Wichita Falls credit union employee charged with embezzlement - Texomashomepage.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPTVBaTFAxblZzRlA2Q1dBZTJsMzM2RjU5M2Z6ZnE2UFJqd2xkeVp2MzJ1ZXBPbDIyZUtBWklHYUZFakpYVjl4UktMTEpWM1V6WjY3RGhBNDd0cTlaaWxlczVyUllaaWZUMjRJaWpXVjcySHZJc2wtaUtvVDhTVHZTd19FTUZLZ3l4SExfcmZ6bjFMVGxPc1MyODlQcGNiVjNtR1VEWWNiSnLSAa4BQVVfeXFMT0tDV2VxS3VxYURkRkkzSlRTUHhhMlNNOTZFOVlPNDJSeG9YbEN6SUZaeVBNZWtEMGxRcTlXRDg4SG9lSFJrc2gxM3dHX2Y5akJEUkZnRFJxbzhoS0c0SXBvUkQzeGtXaFItemxpOHFlbkxtellWem1LUTNZd21POW9wa0pHLXZ2dkdDOTg4OEh2bDZwLUR0eG5sUE1vem05UVVCZnFDRm9fdjdjMWR3?oc=5) · Texomashomepage.com
- 2025-09-11 [TruStage Marks 90 Years With Celebration, Tribute to First Credit Union Partner - CUTimes](https://news.google.com/rss/articles/CBMitAFBVV95cUxQcHBzWlh4MXEzSTV3ZGlqbEpqZ1JsZWZTQV80am1abE1xU3JrcWRiT05LWGc5NUE5UFppMmJLYnBKdlZ2WHI4Z1JySWdCbzJad2FWanpCLWxFTzJUQXpEQzZ1elRqTUtDMzV0dF9qSFNmcUNkVEx3eS1Hc29HV2ZjNXVmUFdLY3NfRFp4Z2xER2RfSmpneWV4M2Y5UHRUcUg4ZXFUa1B4MHNvMXIzaFpzTnRWRVo?oc=5) · CUTimes
- 2024-09-16 [Union Square Credit Union covers a portion of the meal costs for Meals on Wheels - News Channel 6 | Wichita Falls, TX](https://news.google.com/rss/articles/CBMirAFBVV95cUxNblFyZXpWUHFvQWJyUkpVcy1rUWo2LUFOYlhyamp3T3Jka2J1cWh0NGMtMGRGak9JVWJfSWo3ZnZYMVJnbC1pWncxWkU3VVBUNUFDYnFaWjh4dkktSnpFYkRyVGNNLTFSY3o1cHRsUkFtY2lWWXJtQmg0QTNYT3N4dTV6VUhseFdzY2ZWeXplVHRiV1lfWTkyU3o3WTZ0S0t2OEdMX25NTzFac3ot?oc=5) · News Channel 6 | Wichita Falls, TX
- 2024-02-26 [Becky Alexander Obituary - Times Record News](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5IeF9fbUtYb3QxMDlwSnZiRGM5VjN6cmJzS0l4ejVhbHFhbHozN1RVdjRhQVJfOXp3RjRZODIwWTRlQ3djd2hVRUJqVnl5YmtwUkdxNnMxdlVWaHlXZ2EwSzJ3?oc=5) · Times Record News
- 2018-03-15 [Beverly Ritchie Obituary - Wichita Falls, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPaWpLRndXak1LLVM5aWNEUFZ6R20wa1BXd3U5aXFZcUxudVZpd0pOVW5BWk1VQWxHV3N2Rm54QW11aHZVbG90VWU5YnJuLXJRMXlkSDFoYllpc1NNdmp4OG05Sng4WmpOazNqRzduVFpQMVVPVDNjelpRYjFtRXJYN3NfVVRxNjZvQVNv?oc=5) · Dignity Memorial
- 2022-06-28 [Union Square Credit Union robbed, suspect caught - Texomashomepage.com](https://news.google.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?oc=5) · Texomashomepage.com
- 2017-03-24 [Matter of Record ( March 22, 2017) - Times Record News](https://news.google.com/rss/articles/CBMitAFBVV95cUxPNzVEX1JIMVlSb2tlaVNHX1A2all0RTBLVV9mb2hqcTJKSmJwdFNIUDQwUEl6UVhFaGtONjJCQVdkbHVkYVBCWFN1UGFxY0plYWxkNDZSSktfRG9DVGVOYjFOTkRtWnEwREVodUNXQWFFOGZtbi1UMW5yRkk5VFcwWUUwNVJlbkZpc2tmaWp3dnNTaG5xS1dJRlM5UDZmUmMzVTR2Vkt5NmlZVzcyTEJhQTgtYkE?oc=5) · Times Record News
- 2021-07-27 [Ray Gonzalez Obituary - Wichita Falls, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNdzBPaDlDYUY5SzVPd2VES0RRWUVwSnQxazZPMmotejk2Y1RXZzl0a0Z5R3d0dEZXMVNiRkJCLXdFbGxBMk8zalE2WDZaMG8tTUdDZi1YV3VJRHFWakJEMFNLMmdwLURXa0Vzd21iNENUZVEzTV80XzMza0ZlWXA2cFltYzJoU3NZ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6317 (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/45.json (key "6317", 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=6317
- 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