# TEMPLE-INLAND
Diboll, TX · NCUA charter 6726 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/temple-inland-6726

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated. 1,700 members of 2,000 potential (85.0% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 28.

**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 | $20.2M |
| Members | 1,700 (1.7% YoY) |
| Full-time staff | 4 |
| Net worth | $3.6M |
| Net worth ratio | 17.9% (p66 of band) |
| ROA (annualized) | 0.70% (p56 of band) |
| Total delinquency | 0.23% (p32 of band) |
| Net charge-offs (annualized) | 0.04% (p54 of band) |
| Loans / shares | 45% (p31 of band) |
| Cash / assets | 29.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.73% (p13 of band) |
| Operating expense / assets | 2.92% (p29 of band) |
| Vehicles % of loans | 84% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.27% (p42 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 1% |
| Average share balance | $5,954 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $15,829 |
| Loans granted, annualized | $3.7M |

## 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 | 1 | auto monoline |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2017-06 | 2 | net worth falling | delinquency 2x band, delinquency rising |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 4 | assets shrinking, members leaving |  |
| 2023-06 | 2 |  | delinquency rising, members leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | assets shrinking |  |
| 2025-06 | 1 |  | assets shrinking |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

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

- 2021-10-02 [United Way helps Katherine Sage Temple Day Care provide home away from home - The Lufkin Daily News](https://news.google.com/rss/articles/CBMi9wFBVV95cUxOeV9mbldVSHZDaEQxWTNmRmlJU1FXV1ZNbUJXYUN5SUhlRkxMcGtZc3VLeWNleG5yeGFPMHp1OGRnUW9Ya1V1cGRDWjhPRG5GQmhPREliWHJhSnNnWWo3Mloyb1c4T2hWcEVlbTczQ3FITEZxMVlsNXpJX2lWeGVXT3FLUTNpWEdMRDV6ZUhTOTlSeHBzek83NnF3STZMZlY2cWtGMktDVHprRW1ySG40ZmtIaGFoblF1YUZPRjJKd1RYNVFHUzVzMFZrc3dCNmo4STUyMmpuVGkwc2NXdnZVOWJmOUZCLXlkMGVZTnBmampaRlZMTFRF?oc=5) · The Lufkin Daily News
- 2011-02-03 [Howard V. Mullins Obituary Feb 3, 2011 - carrowayfuneralhome.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5vZmpKUG90am5tOXdzTU9iOXEtLV9FbGc4RnJVV1Q4UU1panJUU0NReUdHdS01TElxWEJOd3llWjNwV0lTczFtZndDSW1ZQUVNY1NDSTVyMjFiVDdhVEJTa1JyZnc?oc=5) · carrowayfuneralhome.com
- 2017-01-30 [Leroy Lazarine Obituary - Lufkin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxQbEIyeldYYTNyZ2d0dWtvam9iNW1NdzZHQ0Y1NFpFcWFEREJrYm1sdmYyUndrRjBBVk5JYXo4XzBzb1A1bHlEQkF0YnlsOUU4UE9CbVVDYlRmZnppUnFPYk1WS0JWN3pIcl9KWXZMQTFYUG0wU1ZfNGwtOVVtM1hrWg?oc=5) · Dignity Memorial
- 2002-03-09 [Lottie Mae Temple Obituary (2002) - Houston, TX - Houston Chronicle - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQS3VYWU1wRjRLbEc3cFFIdER1NXk0eWlZVDU5Q3E1UHpJRWJMWHhzVWowZTFmOGpMWkZZWDhlY1YwWDYxQ3RqdnE2VUlLaHRUVmJhYkNOVEhIelE5dTFKQVFmZ1lLam9xeHFmYWVZZ09vYUlob3czLVM5WWlYdmVjYk5fRDFNYkFLVktyZjdraGFqWTQxQkhDMUs3MFlQZw?oc=5) · legacy.com
- 2018-01-05 [Containerboard Price-Fixing Direct Purchaser Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOVUI5cWVlME9Jem5ENEFpQ0h1X0ZseUR1WWV0YjJXeUl0ZHBTYjJobHFDV20tdmFMNG5hajR0X2ZaS1BUV19mNm1hZXBNbF9DRnk4al8xc0JJRGpnZUZiTWExdUlBZFBtVVhUZWs5akl0eEo3ckgzM1lwTy0tRzFlSUdmU3VoTldLc2huNTVZMEFKMnpqUTJKNTAyblpkTHk2NG5pRXh1NzFDNXpORjFoMUZGNWR0Y0hpZTBBWFZFMjZKMjR3TW5ySGtMY1E0WXZXWlE?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6726 (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/6.json (key "6726", 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=6726
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide