# EDINBURG TEACHERS
Edinburg, TX · NCUA charter 66366 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/edinburg-teachers-66366

Who the members are: state charter, organized 1955, low-income designated, minority depository institution. 6,206 members of 20,000 potential (31.0% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *auto monoline*. 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 | $97.6M |
| Members | 6,206 (-0.5% YoY) |
| Full-time staff | 17 |
| Net worth | $22.0M |
| Net worth ratio | 22.6% (p96 of band) |
| ROA (annualized) | 0.07% (p16 of band) |
| Total delinquency | 0.00% (p2 of band) |
| Net charge-offs (annualized) | 0.08% (p29 of band) |
| Loans / shares | 26% (p3 of band) |
| Cash / assets | 25.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.62% (p6 of band) |
| Operating expense / assets | 2.83% (p25 of band) |
| Vehicles % of loans | 70% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 9% |
| Average share balance | $8,528 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $10,532 |
| Loans granted, annualized | $6.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 3 | charge-offs p90, repo signal |  |
| 2016-09 | 3 | net worth falling | charge-offs p90 |
| 2016-12 | 2 | charge-offs p90 | repo signal, net worth falling |
| 2017-03 | 2 | repo signal | charge-offs p90 |
| 2017-06 | 2 | net worth falling | repo signal |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 0 |  | delinquency 2x band |
| 2018-03 | 1 | delinquency 2x band |  |
| 2018-06 | 2 | net worth falling, charge-offs p90 | delinquency 2x band |
| 2018-09 | 0 |  | net worth falling, charge-offs p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | delinquency 2x band, repo signal |  |
| 2019-06 | 1 |  | delinquency 2x band |
| 2019-09 | 0 |  | repo signal |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | members leaving |  |
| 2020-06 | 1 | net worth falling | members leaving |
| 2020-09 | 2 | delinquency 2x band |  |
| 2020-12 | 3 | margin squeeze, charge-offs p90, loan book shrinking | net worth falling, delinquency 2x band |
| 2021-03 | 3 | delinquency 2x band | charge-offs p90 |
| 2021-06 | 4 | losing money, members leaving | delinquency 2x band |
| 2021-09 | 4 | charge-offs p90 | margin squeeze |
| 2021-12 | 5 | net worth falling |  |
| 2022-03 | 3 | assets shrinking | losing money, charge-offs p90, net worth falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | loan book shrinking |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | delinquency rising, auto monoline |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | charge-offs p90 | delinquency rising |
| 2024-06 | 2 |  | assets shrinking, charge-offs p90 |
| 2024-09 | 1 |  | members leaving |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-07-30 [Ex-Credit Union CEO Takes NCUA Fight To Supreme Court In High-Stakes Constitutional Challenge - cutoday.info](https://news.google.com/rss/articles/CBMiygFBVV95cUxOU1V5Q25pTWhTWFRXQlhudjc1Z1hoN3lhZnlRT0lSNjlRV2ltdWp5YVJSbUd1SG1nWlZjb0tmYVo4YlFoTnV2bGVkM0xWQkJqNTVzTmtlZWNaVjNLdFJJNVlad1EyUTJMVXBDdnZLZUNtVWVITk56a2NUdC1SNEc1NEpkSE85S0Zab3psdG5MQVF6dHUzZjlINWE5X1FzRTZGb09nQkRYdVhGcjBsZ211TmlCTFFOS1RTNXdmc2R1Q0VwOVB0RWo2QWlB?oc=5) · cutoday.info
- 2023-08-11 [Jeffrey Moats v. National Credit Union Administration Board, et al. - Pacific Legal Foundation](https://news.google.com/rss/articles/CBMiggFBVV95cUxNTUJYMDg5Z2FwVzZCWG1tSGRnRHdDWVJ3X3NEN1Q2MVduTEFvTUZ5ZDZ5SjlpODcyZzZuMFpOMFdIUXJrOGNjSlV4UWJKMTg1ZjZaUkhIYV9jbUxTRjFlVV9TY1dQdUVZaDBRYXFqRFd4YUFmbmZvTmtzWDZTN01tNF9R?oc=5) · Pacific Legal Foundation
- 2021-04-28 [Edinburg Teachers Credit Union under conservatorship - KRGV](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPeS1rcUk3UmpabnFhbDI0b21TNWNZQUlxeDJHVzN1ZktCNnRGam9rVzBicFJHZXZSeENET05XSThKRFlrVTlKeWUwVElEVHdwU0p4Z2U0d194N2lZNzVrOGM4ZGJGVk1FNnVudDVGSTFQQ0lEUmxSYTRjekVtaUIyd2ZpN3Y3UXV6?oc=5) · KRGV
- 2025-10-23 [Former CEO Asks Appeals Court to Revisit Case Challenging NCUA’s Enforcement Process - CUTimes](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNdFF6WGU4QW5UTFpSODFDYS1oX2U0OTlOajhrTEVHVEhOVWtUZU5Eb1VRZzY0bDBPMmFOT0UtOVZZOW05TUxZYkxvcHFHbFI2TGFMX0EzdzNLdmJyMUlpdktKeWIxNnZIZ3ZTa0lUSXdpUjc0dGEwRnFpcll3ZHVvYVJhQWJ3VUxfRUxObzJzTGtsQ2FLRTgyR0JkREtrZC1CY1VpTWgwaW9oZ2lOeGFYNHVFTHRJWDdQN1Rz?oc=5) · CUTimes
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2023-01-27 [Latest banking news, Jan. 27, 2023 - americanbanker.com](https://news.google.com/rss/articles/CBMidkFVX3lxTFAtb2xWSlZlaXp2QXJSYkdtc1lNNERVQkpVMHgyaEFKSzAtNFFuWWJSMFdfdDJWUURyamRwTWJsYy1pUUluZU5makhqYzF4SkktMVlBMGtBdkw0ZzFzT3V1TVVxUEVkS0lxdGR4UUpRd0V5d3FxblE?oc=5) · americanbanker.com
- 2020-02-20 [Ruben Ayala Obituary Feb 20, 2020 - memorialfuneral.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBSZ3FBMS1COGNaMGZJV2FmYnMxc3JGUTM3UjRWZHNtbUhSdC11cU94SjdJYi1wa1BaUnFzbFRZUjRDM2d1b2hMRVRxYzZXNmFYLVBVREo1Rk9CaU9QLVRtTzRmNXg?oc=5) · memorialfuneral.com
- 2025-08-27 [Appeals Court Affirms NCUA’s Authority in Former CEO’s $4 Million Enforcement Case - CUTimes](https://news.google.com/rss/articles/CBMitgFBVV95cUxOaHFZLXY3NEJoVVlVeHFtYU9ZOVZLRWdWcDVrWm5nQTVoUW5SczFSeDh2Q1FPOFBYQkhlOTZvYXFuQ0RZR0lzeXd0SldncmQxdENSaHg5T3M1YmxqRzdLOU1tbmNsSVRIOEFDTzlFeTNhemQtNlpzZ2FUQUdwd2RobXFsWnh2QmNfQkR6cHdIYWthWkdXUVYzNlFvaV9aR2RnVFFwRHhuazB6ODhBRlpRMVdaVnYyZw?oc=5) · CUTimes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66366 (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/62.json (key "66366", 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=66366
- 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