# PECU
Austin, TX · NCUA charter 67428 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pecu-67428

Who the members are: state charter, organized 1952. 21,602 members of 1,500,000 potential (1.4% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $439.1M |
| Members | 21,602 (-4.0% YoY) |
| Full-time staff | 60 |
| Net worth | $62.8M |
| Net worth ratio | 14.3% (p85 of band) |
| ROA (annualized) | 0.95% (p69 of band) |
| Total delinquency | 0.52% (p43 of band) |
| Net charge-offs (annualized) | 0.41% (p51 of band) |
| Loans / shares | 59% (p18 of band) |
| Cash / assets | 17.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.39% (p39 of band) |
| Operating expense / assets | 2.34% (p8 of band) |
| Vehicles % of loans | 42% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 91% |
| Third-party paper % of net worth | 286% (p92 of band) |
| Vehicle delinquency | 0.44% (p40 of band) |
| Vehicle NCO | 0.66% (p52 of band) |
| Repossessed % of vehicle book | 0.20% (p85 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 15% |
| Average share balance | $10,796 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 42% |
| Average loan balance | $31,937 |
| Loans granted, annualized | $76.6M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 4 | delinquency rising | net worth falling |
| 2017-06 | 3 |  | delinquency rising |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 3 |  | delinquency rising |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | thin capital |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 4 | net worth falling, margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | thin capital |  |
| 2021-12 | 4 |  | margin squeeze |
| 2022-03 | 2 |  | net worth falling, thin capital |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | delinquency rising, assets shrinking |  |
| 2023-06 | 2 |  | auto monoline, delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 | loan book shrinking | members leaving |
| 2024-09 | 3 | delinquency rising | assets shrinking |
| 2024-12 | 2 |  | loan book shrinking |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 | members leaving | delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-04-22 [PECU Selects CheckAlt to Streamline Loan Payment Processing - Business Wire](https://news.google.com/rss/articles/CBMitwFBVV95cUxNcjRLM1ZIRzNsQ2VLdkh0UzQyYkVqeU5wTE51cDRyd1VVOFlJSjZuZlRZZEhWYk9mVm5oT2M0Y1I4Y3VQSjNYVVM2Rnp2NnRhaVJSOUVZOXRwR1ZoN1REYmhLMEhUVGtPWXRyNHNEbnZBSlhSOGljSVhfV3RqMWxWcVVjNmFEZWR4ZVVtckhBdlk2XzdOVFFoeVBPdDlGc09yd3M3dE9mbXRKM1FXN1BtR0xaVThYWXM?oc=5) · Business Wire
- 2026-07-02 [PECU & PlayVS Bring Free Esports to Central Texas Schools - Community Impact](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNMmhNbTNVWFV3QkFJU3lBYXNUVDJ4enJsUHZDVWExNG8xZ2x0dThhUzVNWlBMdDFjeEwzcnlaeUx4VDRHeVJ2bUY0Q0tNdXF4UENOd2RUX1dvSDF4ZkhEZk1ySDloaFlpUndrUk9fYnJGbW95OE9NQUVoSFlkeTRzekp5eDNVZlhQZDRwYzQwTzZ1ZjRSNFNMOUYzVHdvd3ZraFpmVEFmNTk2WU83RkdIYnVGbG15SzNhajlXUVEwTW55b2dlcjBTRA?oc=5) · Community Impact
- 2019-04-12 [George Finch Obituary - Austin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTFBqSTBLM004dU1NMkRpc2g2dGRKVUkyRG5TbG5IWWtrMkxxUUhUV3ZnS3RSRE03dUotc005ZTZ5cVN6THFvUmlROTFEVGk0VU1oSVVDWFg0UEZsRE82QjZnQTVwSzMwVnkzckhYekhhX0Nhb2VQMlI2RmVsQkRsQQ?oc=5) · Dignity Memorial
- 2010-11-23 [George Finch Obituary (2010) - Austin, TX - Weed-Corley-Fish Funeral Home South - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPVjNyeTR1QVFjRHdIbWNPaUoyWWNSSU1hVUtDNUpjVThPcVUyOUgwN0tUNzhmeDJXNWZjNm0wYWhVWXB1bVUzQVp5WktRdWMxdTQ4SDl4Zm5iSU15ZlZodjhfRFFiRndJSEV6LTlIemd4RG41TWw5QTRLSU5udy1vYVJEcw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67428 (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/36.json (key "67428", 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=67428
- 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