# GERMANIA
Brenham, TX · NCUA charter 66857 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/germania-66857

Who the members are: state charter, organized 1985. 2,535 members of 175,000 potential (1.4% of the field); checking penetration 21% (share draft accounts per 100 members); loans per 100 members 18.

**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 | $19.4M |
| Members | 2,535 (-2.4% YoY) |
| Full-time staff | 4 |
| Net worth | $2.4M |
| Net worth ratio | 12.4% (p34 of band) |
| ROA (annualized) | 0.40% (p41 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 61% (p54 of band) |
| Cash / assets | 46.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.17% (p24 of band) |
| Operating expense / assets | 3.03% (p32 of band) |
| Vehicles % of loans | 67% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 31% |
| Average share balance | $5,261 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 18% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $22,531 |
| Loans granted, annualized | $4.9M |

## 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 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | net worth falling, losing money |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | losing money |
| 2017-06 | 3 | losing money, delinquency rising | net worth falling |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | delinquency rising, assets shrinking |  |
| 2018-06 | 3 |  | losing money |
| 2018-09 | 3 |  |  |
| 2018-12 | 1 |  | delinquency rising, assets shrinking |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | delinquency rising | net worth falling |
| 2020-06 | 3 | loans>95% of shares |  |
| 2020-09 | 2 |  | delinquency rising |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 2 |  | delinquency rising, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | losing money, loan book shrinking | loans>95% of shares |
| 2024-06 | 4 | assets shrinking, members leaving | losing money |
| 2024-09 | 3 |  | assets shrinking |
| 2024-12 | 4 | repo signal |  |
| 2025-03 | 3 |  | repo signal |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 | assets shrinking | members leaving |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 | net worth falling | loan book shrinking, assets shrinking |

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

- 2026-06-22 [What to Expect from Hilary Duff: The Lucky Me Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMicEFVX3lxTFBvVV8xUVptU01scURiOW5yZTg0dDlrQXdPWWVsV1JpTm5oX25SMWw4S0VKQnlQY05tbXFMREVEQUR6S1hCcVJoRGQ3V3NGS05MakFTWk5sUW55VUNnZEJlV0VXbzNXM2NYbUZfTXFhUHE?oc=5) · Ticketmaster Blog
- 2026-03-24 [311 & Dirty Heads Announce 2026 So Glad You Made It North American Co-Headline Summer Tour - Live Nation Newsroom](https://news.google.com/rss/articles/CBMixAFBVV95cUxOUHJqeDFBSEhhLWhJYVJiVDNaRS1WUlo1b1FvMWROVHdHY0RGRDhUM0dNN005ZW1TdFFaYW5PcW1NaGIxOHFDWXp2a08zRThfX0pPQXZSOTBoVWQyUGRFNUJISHR1Z1dfYk16emhIZ01NZVhNSktnd3JFaERHSWFHUjFldUgwZ2NmWm91RXE0WkR2QUZOSk5NaGY1YVIxTUhPMkdHd21HYkhtdVZOUXRwRjczU1FqbUZsNVdFWlkwRTg0Z1Zp?oc=5) · Live Nation Newsroom
- 2026-08-02 [Indie Rap Duo $uicideboy$ Set 33-Date Grey Day Tour For 2026 - That Eric Alper](https://news.google.com/rss/articles/CBMiogFBVV95cUxPQ3VZaFZYTlR6LTIzdlk4UDF2cVFzRHR2U3c2WWxDVGRhT3laVTJ6Y0ZQa3F3SDVNRDZpRDhOdi1jLWxvQ2ZNSmFoakZ3NEhpV25rY3RDcnBzVG12T2xBdWRiTWVEUW9wYkV3VW9fY3NUbS1NOU5xZHl5LWRhOE96UF9pMVNpYnhKS241M1phdTlEOXl1dDFndUhMZGRJbVJnZ2c?oc=5) · That Eric Alper
- 2026-03-31 [$UICIDEBOY$ announce 2026 Grey Day tour with DRAIN, DESTROY LONELY and more - Revolver Magazine](https://news.google.com/rss/articles/CBMirAFBVV95cUxOQWpRRFBkY1RpQUtHa1dBeUFUMGViMkNja1hRMGFyeXdYeWhFOUNMOXhaRlhJYVE2bUpScXB1aUYxb3RuUGVaRnBxQ0NPZ09OWUxSclRkZ0tWVHRlSnpFcVVGRlFEN3dlSnRPbWk3T1FETGZzYmR1OFlzVUZIcU1LZFBOb1B4NGdnVDZXdWswWGRhQVkyYy1ueFpzOS1PUVhLVXpPVEVqLXRndnZv?oc=5) · Revolver Magazine
- 2026-04-01 [Kali Uchis releases ‘For The Girls’ 2026 tour dates with Mariah the Scientist - MLive.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOakZ6RnAzd1d3RXFLeU02QWF0NVYtUFBOcTJHWGZWX1FRRFltdm12YWJCOWNGckNoRFhVU05PeUtHOFVVdGNkM0pSTDZVYjUyVUlkVEFncjJpQ0h6V1lZcDVZLW9zVlE2X2ZGckV0a1dHWHJ3T1JqZlVRVG1qOUVNeXBaSVQwM0ZSdVR0UldyemFVTXM2dEtYWllCV2tQM256ak1LWnpnc056M3NZRDRHZ05QcXE2ZmM5OXU1endOQ2NsVWtmNGstTA?oc=5) · MLive.com
- 2026-04-17 [Babymetal Share 'from me to u (Major Lazer Remix)' - antiMusic](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUENaNWlPbFRWd25xWGNWc1FvQlFXdFduVlRuM0Q2VHRXVnFnLTY2UTlXaDBsaE82d0tGSVVmNmxiMVVSQkJkSExmTkNZejdSOG1rT0d5Y2FkQ1Z0eTg4bGg0aXp1WDlyTTkwVnR2U2o3cGVoMFlpY3UyQy12VzNBQUhGZFJjZGdLLWFBd283d0hjQQ?oc=5) · antiMusic
- 2026-03-31 [DRAIN to join $UICIDEBOY$ on Grey Days 2026 U.S. tour - Lambgoat](https://news.google.com/rss/articles/CBMiigFBVV95cUxNNlN5RXZwbGxyVFFNQ18xamZqMUVoU1ByQ3BFVkxROEMtd2Vhb25JT2RoMzR1Q2FvNWIxQVkzRkFabHFzZjdGNmlRTXM2NE1jemxwRnIxZ05kVkZjdGtWNHl6LXFSMzJhUFBLQy1CcVNPeWlhbkI4NE9JWlBuOXg4YUZhWmE3ZktjTUE?oc=5) · Lambgoat
- 2026-05-18 [mgk Concert Setlists: Get Ready for the Lost Americana Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiVEFVX3lxTFBVeFBqWnRxeWg0c29GUHhPTlBPbHU3Q05fbmg4RTlFYW1xdXBWXzVuR0Ruai1iajY2eG1lbnJ6OEZRMDRHTHhDZXZXZ0pOeDdSZjZPSA?oc=5) · Ticketmaster Blog

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66857 (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/41.json (key "66857", 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=66857
- 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