# BRAZOS VALLEY SCHOOLS
Katy, TX · NCUA charter 66353 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/brazos-valley-schools-66353

Who the members are: state charter, organized 1954. 65,058 members of 850,000 potential (7.7% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $1.04B |
| Members | 65,058 (0.9% YoY) |
| Full-time staff | 157 |
| Net worth | $108.2M |
| Net worth ratio | 10.4% (p42 of band) |
| ROA (annualized) | 1.00% (p74 of band) |
| Total delinquency | 0.77% (p65 of band) |
| Net charge-offs (annualized) | 1.35% (p95 of band) |
| Loans / shares | 46% (p2 of band) |
| Cash / assets | 27.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.22% (p43 of band) |
| Operating expense / assets | 2.90% (p32 of band) |
| Vehicles % of loans | 36% (p71 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 0.85% (p70 of band) |
| Vehicle NCO | 1.98% (p84 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 27% |
| Average share balance | $7,284 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $13,436 |
| Loans granted, annualized | $141.2M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 0 |  | thin capital |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | net worth falling |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 3 | thin capital, margin squeeze | delinquency rising |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | margin squeeze |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 | delinquency rising | net worth falling |
| 2021-12 | 2 | charge-offs p90 | delinquency rising |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 1 |  | thin capital, delinquency 2x band, delinquency rising |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | charge-offs p90 |
| 2024-09 | 1 | charge-offs p90 |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | charge-offs p90 |  |
| 2026-03 | 2 | delinquency rising |  |

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

- 2021-03-08 [Brazos Valley Schools Credit Union Donates to Schmalz Elementary School After Winter Storm Damage - fbindependent](https://news.google.com/rss/articles/CBMitwFBVV95cUxPUU4tNFN5S2gzekc0TXFOTjdKY1VZOHAwM25sOTlOS0dhSWIwR0Zjc25uZGd3UnVTMktXWlhyeU9vNE9Ba0NyTW1XUU5zS2dKSXZseGw5bFR1UTlROWdGVnNNVDgxQXA3MUkxNjBKX3kyM1ZXWFRTWWJDNUJsbkUwR1BQaUhnOFlleFRzZF9XbUU3Y1EyQXYtS2FKSzYzbFZNZnAtdWViTE9PTDBwb2packZlTXFHV0U?oc=5) · fbindependent
- 2021-06-18 [BVSCU opens new Katy area branch - Katy Times](https://news.google.com/rss/articles/CBMidkFVX3lxTE5ZMW1xRUJMdHBWWWU1dnQ5SWF5MUhmUjhreEt5bmxTWnBLdG5mdEpLWEZjVkhqdGlBeEhJOXl6S0FLSWxWdlNmMXNUbXFyNHctR1lUcTZCREVQckFLWW4zWXBLZWZYZi16aER6WUVmQlNfa1JPUFE?oc=5) · Katy Times
- 2019-04-16 [Katy Legacies - Katy Texas Katy TX - katymagazine.com](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1tOU9fbXRJU2lqOW5BWW9VN19mWFE1YTExQkZ2dmVIbkpzZzRyNlYtOXBlRE1ZN2hHQTRwem1tancwY3p2MmNNUDdTRy1STzE2X1d1ZXUteDg?oc=5) · katymagazine.com
- 2015-05-17 [Lourdes Aragon Obituary - Sugar Land, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPOXRDb1J0N3U4MUZUanBGalhMRWJUR3RfdjZ5LU9mOXNRRWtyVVpaZjRKQVpUWm0wMnFaZVg1UGR2TzdpUFpRSjl4elZldElnQ0RNbC01X19FR19XV0RiUUhLMlhSSC1rZGNTZEN3eTMzLXBQV1VES2hIaXBvTWw3dDFEMHNrQQ?oc=5) · Dignity Memorial
- 2020-11-21 [Ruth Watkins Obituary (2020) - College Station, TX - The Bryan-College Station Eagle - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxQeFJmYUZuNnhidlZhTGNvdGZ1VDA0dUxQZjdwa0xmSUFWRkYxN3U4QjJNSnhIY2hIRHY2aGRBNExXUXlOT3V1TXNVaU5SYmd3TFFMOVhIcVZ5OGVoVG5jcEZXaUxJVV9OVVpla19XLVluc0xjTjVJOVgyeDdBVTNnMEJJVFhMOHpDZDZBNw?oc=5) · Legacy obituary
- 2007-03-15 [Richard (Rick) Mills, Jr. - Obituary & Service Information - Brenham Memorial Chapel](https://news.google.com/rss/articles/CBMiekFVX3lxTE1uYnVtYnpXSXJZU2ppdHJwU2tsRXdheG9hc3Byb3MtZnN0T3hRY2p6Y2xwWUM4WXdySTV3bGZGYXpzay1RMU1xNkVEdTQ0U2M0LThLQV82V0VRdU9FSWxITTlNQjJVN0tYV3VzWkh0ZlZDNFNlT09BOTNn?oc=5) · Brenham Memorial Chapel
- 2016-12-01 [Nearly 400 Katy ISD Classes Benefit from the 19th Annual Promise to Read Program - Katy Texas - katymagazine.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOay1OTzhwQWdqWGNGWmc2T0RtYXhLUEVydlZrcU5kWHM2M0dFLWJfQkJxLVRLRlcyM0FiOU9SRVI2NTNwUy1JejFRSlZybk9Rdy1OcEtDV0F4RWYtV1BhYld4Q0dXUWI4ckVyRmlBMUtxeDFEalMtLXpQRURVYU52MzZjT2lZNktRTE9wX3RzSnlzMTF6U0pvSEtOdE5lOXc?oc=5) · katymagazine.com
- 2022-04-12 [Clyde Wehunt Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNXzJUS0p4ZWFnTnp4Q1FtNnozZGVhWlowVVZ3VHFEZEVoMlNlYzZYeDZXbWxKcDNQOEVrWlVxdTFpbXVkSTJYVUdyZTBPMENwSFFpWG1vLUE0c0U0YWpUci10V2hOR1ZrSWt0NnRhU2JXQ2VyOVBvbnBNNkN0ekx3Vw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66353 (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/49.json (key "66353", 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=66353
- 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