# NAVARRO
Corsicana, TX · NCUA charter 67407 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/navarro-67407

Who the members are: state charter, organized 1953. 671 members of 960 potential (69.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.7M |
| Members | 671 (-0.7% YoY) |
| Full-time staff | 1 |
| Net worth | $1.1M |
| Net worth ratio | 42.1% (p98 of band) |
| ROA (annualized) | -0.27% (p19 of band) |
| Total delinquency | 3.04% (p87 of band) |
| Net charge-offs (annualized) | 0.85% (p83 of band) |
| Loans / shares | 93% (p93 of band) |
| Cash / assets | 46.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 9.62% (p100 of band) |
| Operating expense / assets | 7.35% (p95 of band) |
| Vehicles % of loans | 84% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.46% (p90 of band) |
| Vehicle NCO | 2.53% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,561 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 30% |
| Average loan balance | $5,776 |
| Loans granted, annualized | $1.0M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-04-27 [Enid tornado recovery effort grows as volunteers aid victims and support crews - koco.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQRGhaV0UwZ2tjZ0EzalFSMDE1VnBSV2dudWJycnYxVWJkdjBzSzJqNi12VV9DbWI3eXVFWnZ0M0o1c2NGMzQ1SlZ4ZWJMNkdGM25UX3RncVZKUGFRemNTWXlXZUoxU3ZWcmZpUGhNQTJ1Znd5S2ZpcVQxNGVTdk9sc1ZRYw?oc=5) · koco.com
- 2026-01-26 [Meet Abilene Teachers Federal Credit Union Amazing Teacher and national honoree - Abilene Reporter-News](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQd3RjUXp6Mm1EVlYtSXhQVVFUcWViY2FuTXdKSHBpTXB1VnlKTVJnVnRBU3NQTGliamNsbkN2X0VUX1Y5ZGJBa2pMZWdlVk5QOE4wR0djWUNKT0xQQThIb3NEQjdWRHVxZV9RVVRleVJpU1JENk1VS2VlS0JkUTZ2clJRQl9TZ1lnZkJmUktxaW9aRHBNbFJBU1JneWFGUUtMTk9kUVRtYllibHBWWUR6QUtKNm5uVE90dTJxOUdXcTBSNGt1NHNPbzg4ZmxOeFUxN3RsVG5HY0hLUQ?oc=5) · Abilene Reporter-News
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- 2026-01-11 [Photos: New Texas Football RB Hollywood Smothers through the years - Longhorns Wire](https://news.google.com/rss/articles/CBMihAJBVV95cUxQUXVtY3NBSVZzMTdKRENzQldpbG1QbkRZVVJWWlJNbU4zVHJfSkxtajdmTXRnWXo1OU5RVzJaa2p6di1kTmE3aWZ5NWhCdTltZlVZOUZCTkZGWUhka3RXaDhJbHM2bkk0bS1sY3BGdUNYOTliX2ZPSUs3NkRGY2VWVjNhQnp4WnF2dEtzOWhwM21yRWU3TDF5bzVRSHJMRFBRSmhlZE9NSkQtQXBOZ3dlREZSdWFvSWl6SGxnWE9zSks1WTVrVHVxdGJxSkFDaV9ZZFhTT29ZODVrckI5ZnNQS1VrZDE4NGwzV1I2ZEVEQ2NmUEJWemxxU0hpTmhVZFppbEhiQg?oc=5) · Longhorns Wire
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- 2023-11-02 [East Texas FFA student named national runner-up in Spanish Creed Speaking competition - cbs19.tv](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNalFVb29FR3NQMFBNU1U2VTJRSjdqZmc4dUxmXzVkMnYydTVmLVhmQktfeXZXNEJjLVAwY3V6TlotTnVuMmtGVEZwc1ptU3llcUpBMlN0TWdIUXpLU0Uzd1dYYTR6b1N3Ukw3Zi16WnZDRjZzRk1mMW1BSTVSVzhTbFlkV2VoUUxMTjNIRmFLREhRbUxiU0Z5VFdOQTZXRWltYVkyUnZtbHVFbFlnOFBJT3NCQnBiVDJVMWZBTXI4Tk5OZ090R1FnZ0t0UjZwV1FhNGdTQ3BmTnJlM2NDSFlOT1JXSGY5Q1dMc2NpRl9ROXFQWUNQaFE?oc=5) · cbs19.tv
- 2023-07-10 [New TDECU Victoria branch replaces mall location - The Victoria Advocate](https://news.google.com/rss/articles/CBMikwFBVV95cUxNQXZ4LXZ4VmhIRVVvNS15d1hwQUNjel85bm1hR3NKSEpub2dYY01md2Fud19jbzBVdnptYmNGX0tJUUxxb1J3cWNfOVFBdDJYa19SVHZ6cTd5YmthbjlaVjkyYkk0NlNnTjV3UmZrb3RTeW5yWFFmX2o3YjVfM2lJTm03Yzc0R0ZvVHVMODBRSFdwSTg?oc=5) · The Victoria Advocate

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67407 (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/15.json (key "67407", 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=67407
- 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