# ABILENE TEACHERS
Abilene, TX · NCUA charter 6743 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/abilene-teachers-6743

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated. 56,716 members of 180,000 potential (31.5% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $681.6M |
| Members | 56,716 (2.3% YoY) |
| Full-time staff | 141 |
| Net worth | $124.3M |
| Net worth ratio | 18.2% (p98 of band) |
| ROA (annualized) | 1.89% (p97 of band) |
| Total delinquency | 0.12% (p4 of band) |
| Net charge-offs (annualized) | 0.21% (p23 of band) |
| Loans / shares | 75% (p33 of band) |
| Cash / assets | 21.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.17% (p90 of band) |
| Operating expense / assets | 4.56% (p88 of band) |
| Vehicles % of loans | 66% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.06% (p2 of band) |
| Vehicle NCO | 0.68% (p39 of band) |
| Repossessed % of vehicle book | 0.04% (p47 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 17% |
| Average share balance | $4,833 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $12,683 |
| Loans granted, annualized | $133.5M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | repo signal, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | repo signal |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 4 | net worth falling, charge-offs p90 |  |
| 2020-09 | 2 |  | delinquency rising, net worth falling |
| 2020-12 | 1 |  | charge-offs p90 |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 3 | expense trap, delinquency rising |  |
| 2024-03 | 3 | net worth falling | expense trap |
| 2024-06 | 2 | expense trap | delinquency rising, net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | expense trap |
| 2025-03 | 2 | expense trap |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | expense trap |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-07-21 [ACU Baseball Partners With Abilene Teachers FCU to Support Habitat for Humanity Abilene - Abilene Christian Athletics](https://news.google.com/rss/articles/CBMiwgFBVV95cUxObXlsQlotVlNRUmVQeGZYYWRPR09GY18xZlFkeUVjdWdHN0dkd1kxV3dwTTZVYmFFVjdZb0JxOFJkeUY4WVV2SGYycEh1MDJNWWZxMXdpbi1NeHpuQUJOQ3dZVzJ2bVlnLVNyUjBxcW9JQVAyNllCbUk2QkhIdHdSa0MzNUJVRzNibGw5NllvQnRLXzh6ZVFZVU92UWpKTXdCYlZ2djBOb1FVWXR3cEZUOUdzWF9qRFplRWpta2tjdGx6UQ?oc=5) · Abilene Christian Athletics
- 2026-04-17 [Meet the Abilene Teachers Federal Credit Union Amazing Teacher for the month: Sabrina Anderson - Abilene Reporter-News](https://news.google.com/rss/articles/CBMi-wFBVV95cUxPdElGU3lvQ1I5dWRVVTBkV2Vtb0NhOEVuaTViazlUWTVkc0NNWV82TS1UZlg3RGRBelZPS2tJWGFxRnpwMFR6WnJyMTRFUmdBVHp4aGxpUGV1WVdzX28tNVhSVnp3aXMtTFNxVlNrbDIwc3E0MVNJN1J2cGpid2NndDlJWS1DczZma1NucXlDZWZkMzBqaXBKYk4tT0FfMzI4S1BnOUJaQU5GX2hDVkpYSlQ5NUdrVHpaVnhoNUxvYWVHaGFsamVhdkhfbm1FVnJadDZJT2lLTTlzMnNTUEh3bWc0TExvdkR0dzNaZDJWZ3l3TVQ5b3JMN2loVQ?oc=5) · Abilene Reporter-News
- 2026-07-28 [Big Country teachers shop for free classroom supplies - KTXS](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPRm51ZHZFUmNVSk9CQkJxLXo0dDhZd1VFY056ejRybl9YX29ibUdCZVV2QV9xQnBEYzg4alJXNGhSYlNiZnN4QzBHRUJvUTk3azE5Y0oxaVpzcHdNUDdWZmYtTFAzUlF4OEtESTRGWWdrWUstT1dJLU5JSFpTdnU2aXcxNmpJZ2lX?oc=5) · KTXS
- 2026-01-23 [Abilene People: Elizabeth Gray - BigCountryHomepage.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQcGtuZHFHUkRpaVgxTjVMZVZxOV9vT19HeDAxYWxfTWY5eDl3LS1NUy1Fell2SWt3ZnpOc09HbEo5UEN2VXQ4SXEya3NWTEg3cXFGTFdmeWZnRFNtVlZBUkhsUEYwRUNOc1daTEN2clpEYmJFcHR0S1RGUTlYaVBZazRTdXhkV0XSAYwBQVVfeXFMUGlhd3B5ZHZxbER2Yjc2WHpRTk0yekZLdnhVZDBFa29tajRYWGJUa2J0VFUzbDVhQm1ha2drOVpVc0RxRW9oSFZJTWxiMGZLMVJPV2FIbUx5LXpCcWVCY2xybHFxZEItQnpzZHRGX1JpcW1aclpXUTJqalcwSnZSNU9ILVJ4V0ExdEg5WGM?oc=5) · BigCountryHomepage.com
- 2026-06-25 [Meet the Abilene Teachers Federal Credit Union Amazing Teacher for the month: Rhianna Price - Abilene Reporter-News](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPWU8zX3pkUkN1Si0xZnhQWXRZb2hzcWgzU2RDZjBQSGJNSWpGaXZtcXEycEZ3N3BuVDBKdXNFREFaU2I2ZkNLUzdvQ3pEUGtGNURUWEZ3Q3ZGeWctSjFiV1M1U1M0cXFtMmtOQUd1dG04V2NUc2FIdEJidUNoOVNuVlhUal93V3BkRWtaMDgtcE9yOXpQcnRabC13bjJ3VldVbkpGY3VnRXJnd2VzbWMzbEdtWUV0ZzVYSS1ONlltZFBWaDJ0UmtRZVdXdFZaeWZkYnBjZWFYaGZjR2FOZjZKMEhOdTd5NXZyOXc4RGwxcDFwck5x?oc=5) · Abilene Reporter-News
- 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
- 2026-03-24 [Meet the Abilene Teachers Federal Credit Union Amazing Teacher for the month: Allison Blair - Abilene Reporter-News](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPWklUYkJaaEJsNWkyekh4OHFWQi1TcXZmazBfdVdRNmM1YUxLbWYxa0g0UWVVdTRDYlpNb3VWUHcxNWUyQlU2NHU0US1yMGo4ckEwRXVNbGNUbVBELTZidThhWnFrb2JZOV9TWUE4NW8xdHBjMVktRFd1ZUU2NXJmMmcycjA0OVRYVDdKS0QyTFpMYVR1dURRMGxCSHpqREE4ZjlaQXhORjE3amxfb05hN1hLWXU3S08wclVWSDZEbEtNU3ZObWtFSm0yNmI0RE11OEN1eVFtUk4wLWRMbG9xTGlsakdlZk50V05n?oc=5) · Abilene Reporter-News
- 2023-12-09 [Charles Copeland Obituary Dec 9, 2023 - The Hamil Family Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE5XVURqTzBuWng2dXA2a0JlRElRZnhDY0x2MFBHdU9KYlBOUWwzdUY1QmFKUXlBTjdmMXFISEM4YnA4M2JmSHIzZERNTHNaaXVNVmZvelh6Rld5eGE2a0YxRG4wLWk4TG5NdmJ6TE43VU5icHpr?oc=5) · The Hamil Family Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6743 (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/23.json (key "6743", 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=6743
- 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