# MESQUITE
Mesquite, TX · NCUA charter 67436 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mesquite-67436

Who the members are: state charter, organized 1968, low-income designated. 2,873 members of 50,000 potential (5.8% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $41.0M |
| Members | 2,873 (-2.8% YoY) |
| Full-time staff | 8 |
| Net worth | $4.4M |
| Net worth ratio | 10.7% (p21 of band) |
| ROA (annualized) | 0.92% (p66 of band) |
| Total delinquency | 0.03% (p19 of band) |
| Net charge-offs (annualized) | 0.38% (p72 of band) |
| Loans / shares | 71% (p68 of band) |
| Cash / assets | 9.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.18% (p62 of band) |
| Operating expense / assets | 3.94% (p59 of band) |
| Vehicles % of loans | 51% (p36 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 | 42% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 2% |
| Average share balance | $7,468 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $51,136 |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $32,288 |
| Loans granted, annualized | $8.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $51,136 outstanding purchased (1.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.3% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 2 |  | members leaving |
| 2017-09 | 3 | members leaving |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | members leaving |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 2 |  | delinquency rising |
| 2020-06 | 4 | net worth falling, margin squeeze, repo signal | auto monoline |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 2 | members leaving | margin squeeze, repo signal, net worth falling |
| 2021-09 | 3 | loan book shrinking |  |
| 2021-12 | 4 | net worth falling |  |
| 2022-03 | 2 |  | loan book shrinking, net worth falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 4 | assets shrinking |  |
| 2023-12 | 3 |  | assets shrinking |
| 2024-03 | 3 |  |  |
| 2024-06 | 1 |  | thin capital, delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | members leaving |

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

- 2026-05-15 [Debbie Simpson Obituary - Dallas, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNWFlzYVA4emdoWVE1dGV2a3k5UDJoeWVRTXJHaUpKcWg5Qk40ZlQwakV6QS1MSUltUUwzUU1BMW9PRG1VTks2MkgyTmRabjhOUkpXZVRULWNXNWJSanZjWnRXTzZGVE9zY2t3YzVwMUlfWnJoZ0xtYXgxSmNKQWd0Umpn?oc=5) · Dignity Memorial
- 2024-03-28 [Texas woman accused of stealing thousands of dollars from Richmond credit union - pal-item.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxPUVRXZnVYdE54YmpaZXlRclMzUktVRzVaUzRpdURkYUcxNFA5V1FLVU15NmNxWG1UTE80dm1kSHRfeENLbm1NTmN0ZDMwX2FOal96MVdsNGUyYWdWT2tkMXBObVhGX2haMWxVNWdpQ1YzVzA3bHU0bG55eElFS2Q0VXhwUVBUWVRTYlRoQjl0b2ZsM3doM3hMVkpPYmtPWVk3UFQ0TlhEN0ZtUDVNWDVSbWVjaU8xb3pCREhxdGlzbzNYbGk5Z3pv?oc=5) · pal-item.com
- 2020-08-26 [TruHome signs 7 new credit union partnerships - americanbanker.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOck9FYTAzUTZ0Y2NPemtBUlc2REFJb3p0cjJVQzRSU2FoNGdDOWZyX2VSNmZjSnR6ems5UkFQcmpTNGFoanR4TTBOR3NqcktXaFhfMXZIUE0wQnlUdnhmLTVJNlZZZlBraFY5dDRpWTQ5RlIza01sMXJKOWxIXzhhWmMxcWZlYXpuVXhzUGxYSUdrWkhRVjRMcTF3?oc=5) · americanbanker.com
- 2022-05-15 [Honorable Rosen Obituary (1944 - 2022) - Mesquite - Dallas News](https://news.google.com/rss/articles/CBMipAFBVV95cUxQOERRMFhnNDZNOGIzUnNLcXRQOWlZWFNvRTNIZjZyM0xRWkl0YnhxaXdpMGU3NURpSEQwZDhUWG5jdV9OcnR1clBZX0NTNmthUFIwZVpDQk4yS1NHSEhCOWpXU3Q3bkhWUDBuWjZyR2I5MWk1dDl3M0M1Z2JrLW1QMUVpY1B3TDF4V0tzazY0VDNobzdIVDU1UFFCSWY2aDhXbzIyUg?oc=5) · Dallas News
- 2026-01-17 [Billy Hart Obituary Jan 16, 2026 - newhopefh.com](https://news.google.com/rss/articles/CBMiW0FVX3lxTE0xamVSY2pRTHpIck5BQ01GWGtQUTJUcWVXM0ZsWDNOb1BIYUEtQXpDUUc5M3FJcTR2QzJhVmtzajlIMzktRkpyZVd3cmxQMzl2MXAyUDhTb0YwMzg?oc=5) · newhopefh.com
- 2020-12-11 [Obituary, Visitation & Funeral Information | Patsy Jean RHodes - Restland Funeral Home, Cemetery and Crematory](https://news.google.com/rss/articles/CBMiekFVX3lxTE1GTUJldHBBMFAtTWpGd0V2aVl5RWtzWjhfQUtuQ1dBNlJTVVZpTFBmcWdUbHJoWVhtTUxGenBvMGpFdVJlcHdSOXllaG1HME1zSVN3X2VMZGlVSTVHS0hVXzRaak9EQlkyQ1U1OEtsb0NjZ2Q0b2VHbUNn?oc=5) · Restland Funeral Home, Cemetery and Crematory
- 2009-11-06 [Bank Robber Identified in Series of Robberies in the Dallas Metroplex Area $5,000 Reward Offered - fbi.gov](https://news.google.com/rss/articles/CBMibEFVX3lxTFAwZHdTeVY0ZG5xLURSa2RtRVFCLV9PTkg2LU9MNkNRWWt2ZW5XZ3RMYTBNX0JVbGxnMzZ3VmZWQkZrakpIUnU5Zk8xa2NFZDlINFpsQUxVcEZRM04xaHhYTW9VckM1N0pILW9VSw?oc=5) · fbi.gov
- 2023-08-27 [Criminal intent? ‘Mesquite is definitely not for you,’ police warn after arrest of robbery suspect - St. George News](https://news.google.com/rss/articles/CBMikgJBVV95cUxQVmduV0p0WUJwTVBVUFNtZV9hSjRNQXpvMG1qMHFtUEo3NGtMWU1lcmdXV0xmMThacXNyYjNWM00yV2E3NnJoS2RQSmp4cloxalJ6YllGbFhtMkZxZTVGemRzLU9FZlpBcVc4WWJSOVVmcVFzb2pDZ3ROOF80UmMyRkVJMGdGbkxPQWx0ckxJYUNlUXVTbi1naDFMX3NPVFozUWpqbEhRRXNmc0d0cnd2UUsyYjF2U0ZEMG5nd2xNTGtibmNkZEx2M3BnSnJ6VEN1a01KUHQ0bnFzRzlSN3pCeXBMY1FKT050QjQ3V29iMll6ZkxjcDNKSXRUUHFjbV9wYzE0bDhLajZ0Nk9EaEZ5cDNB?oc=5) · St. George News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67436 (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/44.json (key "67436", 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=67436
- 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