# CREDIT UNION OF TEXAS
Allen, TX · NCUA charter 66327 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-union-of-texas-66327

Who the members are: state charter, organized 1931, low-income designated. 184,024 members of 5,878,598 potential (3.1% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 54.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.72B |
| Members | 184,024 (6.2% YoY) |
| Full-time staff | 495 |
| Net worth | $222.1M |
| Net worth ratio | 8.2% (p6 of band) |
| ROA (annualized) | 0.03% (p5 of band) |
| Total delinquency | 1.47% (p94 of band) |
| Net charge-offs (annualized) | 1.20% (p92 of band) |
| Loans / shares | 95% (p80 of band) |
| Cash / assets | 3.2% |
| Borrowings / assets | 6.37% |
| Net interest margin | 3.09% (p36 of band) |
| Operating expense / assets | 5.01% (p99 of band) |
| Vehicles % of loans | 42% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 19% (p17 of band) |
| Vehicle delinquency | 1.39% (p88 of band) |
| Vehicle NCO | 1.96% (p84 of band) |
| Repossessed % of vehicle book | 0.05% (p40 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 79% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 44% |
| Average share balance | $6,779 |
| Participations bought / yr | $0 |
| Participations sold / yr | $159.6M |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 33% |
| Average loan balance | $21,848 |
| Loans granted, annualized | $1.30B |

## Participation posture (from the same filings)

Bought $0 and sold $159.6M in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $4.4M sold and retained. Sold in 8 and bought in 0 of the last 8 quarters. Shares 4.9% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, expense trap, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | members leaving, loans>95% of shares |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 7 | delinquency 2x band, delinquency rising, charge-offs p90 | members leaving |
| 2018-06 | 6 |  | delinquency rising |
| 2018-09 | 5 |  | thin capital |
| 2018-12 | 5 |  |  |
| 2019-03 | 4 | losing money | loans>95% of shares, delinquency 2x band |
| 2019-06 | 5 | delinquency 2x band, loans>95% of shares | losing money |
| 2019-09 | 4 |  | delinquency 2x band |
| 2019-12 | 3 |  | loans>95% of shares |
| 2020-03 | 3 |  |  |
| 2020-06 | 5 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  | charge-offs p90, net worth falling |
| 2020-12 | 4 | thin capital |  |
| 2021-03 | 6 | net worth falling, delinquency 2x band, charge-offs p90 | margin squeeze |
| 2021-06 | 3 |  | thin capital, net worth falling, delinquency 2x band |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | charge-offs p90 |
| 2022-03 | 2 | loans>95% of shares | 3rd-party paper>100% NW |
| 2022-06 | 3 | leaning on borrowings |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | thin capital, net worth falling |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 5 | delinquency rising | net worth falling |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 6 | net worth falling |  |
| 2024-06 | 5 |  | delinquency rising |
| 2024-09 | 6 | delinquency 2x band, delinquency rising | net worth falling |
| 2024-12 | 6 |  |  |
| 2025-03 | 6 | losing money | delinquency rising |
| 2025-06 | 5 | delinquency rising | loans>95% of shares, losing money |
| 2025-09 | 5 | charge-offs p90 | delinquency rising |
| 2025-12 | 5 |  |  |
| 2026-03 | 7 | net worth falling, loans>95% of shares |  |

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

- 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
- 2026-05-13 [Credit Union of Texas to host grand opening event in celebration of new West Richardson branch on May 16 - CUInsight](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQNVlHNDc3aEpKTkJnR0dyWmp4a3JwNHNMcGRMZ1lCS3hXWmRoQTJtTno2Tjg1UUVNOFRqZ2dVbDdEQzFhSm04ZnBlaXlqTUJrLU1RU21hcms2N1V4Z0pFb0hqRVJieG50b2pJYlFnWUtTQnUxYTMtWGxMdFlMVkY4MkxzR3QwM3Rlakc5TmlPeDlYemVoQW5DY250RG9wQkN5UkdyRXg3SHpkSzR4YS1PYW0xWUppRkF4a0RpX1NjejNNY3ZkdC1lX0JUelI3aFQ1VHFFN18xNzBnRDdhT3c?oc=5) · CUInsight
- 2026-05-13 [Credit Union of Texas to open new Richardson branch - Community Impact](https://news.google.com/rss/articles/CBMiogFBVV95cUxPSEZUbmc0N0tiV3l0TzJ4bGc5YUpVUXhOZXdwd3BucHNlcm5iZEpiUmFqeG8tcVJWSFZtUVlkQmYzZHpYazEzSXlxLU5nY2FHc3JxejVzM010b3pTQmRQZGI1RmV0WkVEekRDN2hud1ZBLW1NbkxjMFBaR0tFZXpEQzlaRDMxZU12VTNTcU8yM1hQZEpOcmdfNmYzUlFxNS01dGc?oc=5) · Community Impact
- 2026-07-18 [Credit Union of Texas to host Inaugural School Supply Crawl benefiting Fannin County Children's Center on July 18 - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTE0zcVQtbkVIR3FPSW9CcnRTcFJpeTMybTNuSE8zUnc1aXRDOGRZMU1GQXhiMWJNRGd5Z0NGa21uREx5Vmx0MnpyblBYaHBoZ2F0T1U5VFRQTWRaSHIyTG5RSDVBYWo1OTdVQ1hIcjJR?oc=5) · North Texas e-News
- 2024-06-06 [Credit Union of Texas opens new branch in Paris, Texas, to expand its reach to northeast Texas - MyParisTexas](https://news.google.com/rss/articles/CBMiugFBVV95cUxQbmxlNzZZR1lPUjEwTmYxMVl0ZjNXWDB4Y1ZoWVl2bENOSkdsWGt3LXhTbS1yY3FNdGJaeDd5Tmk0cHpjOVQ4cWtjZmV1MWF2Q3FkQ3pscWxrSTNPdWRVUzVDNVNaMkFhaGROeE05ZzdHX21FT3NaU3YzM0VwRlR3YXRsX3dRWWppWGNnOUtQNjhfSlh5NXRLVnl2bXJHbzE1SHlDWk1icklUOUhVXzk3NlFNSHQ1N21Edmc?oc=5) · MyParisTexas
- 2025-09-29 [Texas Trust Credit Union opens location at SH 360 in Mansfield - CUInsight](https://news.google.com/rss/articles/CBMipgFBVV95cUxNVmtyVzJyblVOc1BabjZ4b1FNaEZZRmJoamNJaHVUSm9meW5weGJmYWQ2OHZ4YzE3WUFVSzdIVmdfS25sOVppNDFZOXNrZXZhcXV6YldMaXRxRGNyS2xHSHltTm5qbVpVOEVWUEd2WFl2ZTZldDNfRjF2T05neWpaYVFvSUlvOFE3ZXRZdmhPTnRKeHBBRHdkQjlIQXZZNEI3YXVkeHBn?oc=5) · CUInsight
- 2024-11-20 [Texas Trust Credit Union HQ Stays in Arlington, Creating Jobs - City of Arlington (.gov)](https://news.google.com/rss/articles/CBMixgFBVV95cUxPeXFOUkZFRzQ3MXUtclp1VG12ZDlFbkhLMXQxTkF1dUs4cEREQ1VhaHJXRHlHS0piYmZJTkNFdFl4OUxsaUtNekZ3dE9KSXZqSVpnWlNTUE01T1BBVnVhYlpZUTZzUHh5VlRPcGFnWGtYMW02YnM0ckV2Q1Z0dzZOU0s0NmxRR0JnVkpoNmN5UTdEMGZNbkl6SFMwcU9QYkpZbnQ4b0F4M2JwUEprX09hMFREUEZncExsaXlDMUtNaThUbDJZNnc?oc=5) · City of Arlington (.gov)
- 2022-11-11 [Bank Opens on High School Campus, Teaches Students About Finances - NBC 5 Dallas-Fort Worth](https://news.google.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?oc=5) · NBC 5 Dallas-Fort Worth

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66327 (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/23.json (key "66327", 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=66327
- 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