# P.I.E.
Houston, TX · NCUA charter 66582 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/p-i-e-66582

Who the members are: state charter, organized 1971. 1,140 members of 2,500 potential (45.6% of the field); checking penetration 22% (share draft accounts per 100 members); loans per 100 members 37.

**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 | $11.4M |
| Members | 1,140 (1.8% YoY) |
| Full-time staff | 3 |
| Net worth | $2.8M |
| Net worth ratio | 24.4% (p85 of band) |
| ROA (annualized) | 1.64% (p88 of band) |
| Total delinquency | 0.71% (p52 of band) |
| Net charge-offs (annualized) | 0.13% (p60 of band) |
| Loans / shares | 72% (p70 of band) |
| Cash / assets | 44.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.96% (p85 of band) |
| Operating expense / assets | 3.51% (p46 of band) |
| Vehicles % of loans | 62% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.65% (p56 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 13% |
| Average share balance | $5,854 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $14,817 |
| Loans granted, annualized | $2.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-09-09 [The apple pie (inspired by mom, of course) became the symbolic food of a nation - Union-Bulletin](https://news.google.com/rss/articles/CBMigAJBVV95cUxNRGJoOEZ2VEFzYUgxb1dtS3d2MUVtWTVyOGZGa2MzT2sxRkRidG5hZzctN25lQlNPMjlLSW1yS1ZzUDNoUzdSN0VjM0FBN1R5RnVVRFJiSmxuRDM5aGtLR1JvZDJDQ3BpSFRqMUl3a0ZOamp1YnhxSVNYVlB3ZXhtblBpaHhKdjdpcG1vdjA1VFQteWttSUU5Sk8zR1o0eVl4dE1naFdWdlN2eWJSWUlueFJ0NVlfSmlkN18yUWFwcEFqMnh1SkZNZGloNXlITDN0enFoWlk4ejl6SV9oNzU3V0U5aUxQeTg4b25CMzdwMkdURzl5UEhyUEdnVVc3M2V0?oc=5) · Union-Bulletin
- 2026-04-16 [Top 10 Things To Do This Weekend In Plano, Frisco And Beyond - Local Profile](https://news.google.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?oc=5) · Local Profile
- 2025-09-08 [Straight Out Of The Oven: Blue Bell releases new flavor, Classic Pecan Pie - MyParisTexas](https://news.google.com/rss/articles/CBMinwFBVV95cUxQdndtcy1kOF9FSTZBVUJMd0NXZFMxd3hvNVZPMjdCRWVaZkstNjc3OHVuOURMSTl2cnlibFRZN2swREZYcHZfVDNrUGVTNzNnTjRtb01RZWtRUk1SYi1JYW5TbTA2M056ZzhNX3pUd2JNOVFuUjg0c2diaE1jZVBkTk9TLVh0N1hnMExYcXdhM0t3ZW9aTUlJaHd4OUJiWHM?oc=5) · MyParisTexas
- 2025-07-02 [Credit Card Issuer Market Share: Top 30 Issuers - CardRates.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE92NU41OGdoTUd2cDNqVUFISnRSeUNwbVhVUHNyNTdpajNnS05sUERvb0JnWHNsUHAxUzI0R3BuUGppSEFBeG5JNEs2eFRXc0pDeUtPbjJjQVFBeHBBSkg1OVg1VUlDZGM4NWhLN0FqcEJoR2c?oc=5) · CardRates.com
- 2016-05-17 [Fort Benning schools' partners in education receive honors - army.mil](https://news.google.com/rss/articles/CBMimAFBVV95cUxPaDY4cUxUZzVWUGZmQzA3ZEptb2p5c1V3b0hHeDdRMVBpNTU2TmIzQTBjMVhIbm5kM2tFd0NXVEVUazlZc2tYOGE4NjJmSW1ZOE5zOVZoVmlVazFFSHdFd2VKdjJaYUxCTnlGdzlMSXJ4UzJZbFR6ZTF4cDZNVDlONEhKWVJDdmJYbEt2b0ZxM09zREZSN25Xd9IBngFBVV95cUxNa2xnMS1OTWQwN3djY19tSmhUTGpreFUtTVpjY2F6RzU1S3ZmNThlV0JWQ2ZfZDB0VEFoRzRkUGNGY3Nxb1VIREIwRUZXTmNhdjZEWkRYUDZ5ZmFETEpmamUwWVZ0c2lEb21TQVFjdEV2U3FjOEdQcVpXWUwxNU1DeFlvWDdLcl9jS05zdHd1YnhmVDFyVkFGNFdIWHhSUQ?oc=5) · army.mil
- 2025-03-28 [Braxton Keith Brings Electric Live Show to East Texas in April - knue.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5Zb1VER1J0N3k5aDNFaEoydzlIWEZ5bkdRWXRkRWZMM2xPaTd4RFY5TjRlaUw4RGFOdmFqZHBFNnM3eHVfSDdNV0FzTXF0R0pTanI2VTVLZ29BYTFNNHc?oc=5) · knue.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66582 (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/22.json (key "66582", 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=66582
- 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