# ABILENE
Abilene, TX · NCUA charter 6503 · asset band <$50M · latest filing 2022-12 · stopped filing after 2022-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/abilene-6503

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated. 2,825 members of 7,500 potential (37.7% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $29.8M |
| Members | 2,825 (-2.1% YoY) |
| Full-time staff | 6 |
| Net worth | $3.1M |
| Net worth ratio | 10.6% (p35 of band) |
| ROA (annualized) | -4.05% (p1 of band) |
| Total delinquency | 0.58% (p51 of band) |
| Net charge-offs (annualized) | 0.20% (p64 of band) |
| Loans / shares | 47% (p40 of band) |
| Cash / assets | 44.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.41% (p8 of band) |
| Operating expense / assets | 6.55% (p96 of band) |
| Vehicles % of loans | 85% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 14% (p88 of band) |
| Vehicle delinquency | 0.56% (p57 of band) |
| Vehicle NCO | 0.14% (p69 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 2% |
| Average share balance | $6,019 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $7,526 |
| Loans granted, annualized | $5.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 2 | losing money | delinquency 2x band, net worth falling |
| 2017-06 | 4 | delinquency 2x band, loan book shrinking |  |
| 2017-09 | 2 |  | delinquency 2x band, loan book shrinking |
| 2017-12 | 3 | assets shrinking |  |
| 2018-03 | 3 | charge-offs p90 | assets shrinking |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | charge-offs p90 |
| 2018-12 | 3 | net worth falling |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | net worth falling | losing money |
| 2020-06 | 3 | delinquency rising |  |
| 2020-09 | 1 |  | net worth falling, delinquency rising |
| 2020-12 | 1 |  |  |
| 2021-03 | 5 | net worth falling, losing money, margin squeeze, members leaving |  |
| 2021-06 | 3 |  | net worth falling, members leaving |
| 2021-09 | 2 |  | losing money |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling, loan book shrinking | margin squeeze |
| 2022-06 | 4 | losing money |  |
| 2022-09 | 2 |  | net worth falling, loan book shrinking |
| 2022-12 | 4 | expense trap, margin squeeze |  |

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

- 2026-04-17 [Meet the Abilene Teachers Federal Credit Union Amazing Teacher for the month: Sabrina Anderson - Abilene Reporter-News](https://news.google.com/rss/articles/CBMi-wFBVV95cUxPdElGU3lvQ1I5dWRVVTBkV2Vtb0NhOEVuaTViazlUWTVkc0NNWV82TS1UZlg3RGRBelZPS2tJWGFxRnpwMFR6WnJyMTRFUmdBVHp4aGxpUGV1WVdzX28tNVhSVnp3aXMtTFNxVlNrbDIwc3E0MVNJN1J2cGpid2NndDlJWS1DczZma1NucXlDZWZkMzBqaXBKYk4tT0FfMzI4S1BnOUJaQU5GX2hDVkpYSlQ5NUdrVHpaVnhoNUxvYWVHaGFsamVhdkhfbm1FVnJadDZJT2lLTTlzMnNTUEh3bWc0TExvdkR0dzNaZDJWZ3l3TVQ5b3JMN2loVQ?oc=5) · Abilene Reporter-News
- 2026-01-26 [Meet Abilene Teachers Federal Credit Union Amazing Teacher and national honoree - Abilene Reporter-News](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQd3RjUXp6Mm1EVlYtSXhQVVFUcWViY2FuTXdKSHBpTXB1VnlKTVJnVnRBU3NQTGliamNsbkN2X0VUX1Y5ZGJBa2pMZWdlVk5QOE4wR0djWUNKT0xQQThIb3NEQjdWRHVxZV9RVVRleVJpU1JENk1VS2VlS0JkUTZ2clJRQl9TZ1lnZkJmUktxaW9aRHBNbFJBU1JneWFGUUtMTk9kUVRtYllibHBWWUR6QUtKNm5uVE90dTJxOUdXcTBSNGt1NHNPbzg4ZmxOeFUxN3RsVG5HY0hLUQ?oc=5) · Abilene Reporter-News
- 2025-10-25 [Over 20,000 Texans drove across the state for Abilene's Boo at the Zoo - KTXS](https://news.google.com/rss/articles/CBMinAFBVV95cUxNbHgzczBBY3kxNnkyeDJsSUNILUZXUGFkem5ZR0tmQzJhdWhQTEFpNTloYTVTOFdDYkUzSXZHNUx6Sk1HbVhlSjhvV0VENFhReU9rMHFsMHFNeGpjVWZ2ZFF6YUdtUGZUbXVQZm0zRFRaZ3Z5TFRqbHdtSnUyVE8zWVJsaGxwaVlEdTJLQzIwYnZMM2l1QjBmaGVzZmQ?oc=5) · KTXS
- 2025-03-04 [University Credit Union and Abilene Christian University Credit Union Unite to Strengthen Financial Services for the ACU Community - PR Newswire](https://news.google.com/rss/articles/CBMilAJBVV95cUxPbkQzdWpuc0ZhbFlxQ0RBdEIwVVN1bC1IY3FkNEZxX29EWFdNVlo2TU9yeUJlY2NHYmh6X0RBNjJYWHRTTnZBYUhOT2lfMGFyS3dXQ2VWdHI0TG1yWWFxTlNtNzZjbGtzUDh6S2gxb2I0ZTNpZm5PLWlJYU5ocm9vRVp0Z2MxTU05ZzZGRnAzajBPQmZieE90dlFHOTRNWm51RHdqWWQ4V3psUk1TU1oydWJPaDBDdU5YQ0RuLU5fWUtMeXRiTllMS09FdTJOOS1Kb2hGeHhwSXpBdEt0VTVsb09kcGxfc0FFR01tMkN5WlpqRUFJVzhpeWVpbkM1SlQ5SlAwX1FJMFdUVGY5SENtM3B4eEs?oc=5) · PR Newswire
- 2024-12-02 [Martha Sherman Obituary Dec 2, 2024 - The Hamil Family Funeral Home](https://news.google.com/rss/articles/CBMickFVX3lxTFB3MW1NbS1RcWNrYng2a0dHWERyYk1RT3pRQWp0RDlWc1VYOVdYbkxUSjlhWmRCdnRWcVJ4S1Bza0hfcFc0T01CRTBOd2J3cGs3RVg0WGJuMEpSbkdmODI4ZVJaRXY1U2dIanVUOWZuNzJldw?oc=5) · The Hamil Family Funeral Home
- 2026-02-20 [Meet the Abilene Teachers Federal Credit Union Amazing Teacher for the month: Amber Groves - Abilene Reporter-News](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQOW9uQzYwVUZSNE1WcEJ5Q2g3M0VTNXZDUXp4V2NCcXh2TloxbGVhYXVzY1VMdjV6TTNXZGZMSTVJdW5kRWs3YUg5M3NjTzNLaDFpd2tPdzNrZzBWT0Fqa2tRejdNUDJTVURvcUxvLXhsdk5WZnBRUFR1VWZUcEhQNXJYand4dFdoc2JjSUdRdG53ZHo2XzR1RzBVYWxua3hzRDQ4NTU4U3lLT2w5ay0yWGhQaTRaZklYd2V0VHZXcUJVNXgzT0pSOENQQ0RpNm5WYVJrcGRpU25vUWpFdFF3TFJrZldIZWNkN0JQeDU2Yl9zTjVqeWc?oc=5) · Abilene Reporter-News
- 2026-01-23 [Abilene People: Elizabeth Gray - BigCountryHomepage.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQcGtuZHFHUkRpaVgxTjVMZVZxOV9vT19HeDAxYWxfTWY5eDl3LS1NUy1Fell2SWt3ZnpOc09HbEo5UEN2VXQ4SXEya3NWTEg3cXFGTFdmeWZnRFNtVlZBUkhsUEYwRUNOc1daTEN2clpEYmJFcHR0S1RGUTlYaVBZazRTdXhkV0XSAYwBQVVfeXFMUGlhd3B5ZHZxbER2Yjc2WHpRTk0yekZLdnhVZDBFa29tajRYWGJUa2J0VFUzbDVhQm1ha2drOVpVc0RxRW9oSFZJTWxiMGZLMVJPV2FIbUx5LXpCcWVCY2xybHFxZEItQnpzZHRGX1JpcW1aclpXUTJqalcwSnZSNU9ILVJ4V0ExdEg5WGM?oc=5) · BigCountryHomepage.com
- 2024-07-15 [Betty Files Obituary Aug 14, 2014 - The Hamil Family Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE5scC1NWTMxWnVFV2FkUGVEaWZnckFReDl3R1BJMVNFX1pGQVFtQWRqdE8xWWZ1ZzEyUzdKcDdXSF9uZUNEdWs0eWY4X0VHTGY1ejV6VHp1MzZnV3JYVVFYdGtsN0FuRXhnNlRQUlhR?oc=5) · The Hamil Family Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6503 (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/39.json (key "6503", 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=6503
- 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