# TXDOT
Abilene, TX · NCUA charter 67439 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/txdot-67439

Who the members are: state charter, organized 1971, low-income designated. 1,875 members of 5,000 potential (37.5% of the field); checking penetration 8% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $17.6M |
| Members | 1,875 (2.4% YoY) |
| Full-time staff | 4 |
| Net worth | $3.1M |
| Net worth ratio | 17.5% (p64 of band) |
| ROA (annualized) | 0.90% (p65 of band) |
| Total delinquency | 0.07% (p23 of band) |
| Net charge-offs (annualized) | 0.42% (p73 of band) |
| Loans / shares | 99% (p96 of band) |
| Cash / assets | 16.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.09% (p59 of band) |
| Operating expense / assets | 2.94% (p30 of band) |
| Vehicles % of loans | 59% (p46 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 | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 32% |
| Average share balance | $6,347 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $14,617 |
| Loans granted, annualized | $6.5M |

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | loans>95% of shares |  |
| 2016-06 | 0 |  | loans>95% of shares |
| 2016-09 | 1 | loans>95% of shares |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | auto monoline |  |
| 2017-06 | 1 |  | auto monoline |
| 2017-09 | 2 | auto monoline |  |
| 2017-12 | 1 |  | auto monoline |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 3 | assets shrinking |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 | auto monoline | delinquency rising, assets shrinking |
| 2019-06 | 2 | assets shrinking | auto monoline |
| 2019-09 | 2 | auto monoline | assets shrinking |
| 2019-12 | 4 | net worth falling, delinquency rising |  |
| 2020-03 | 2 |  | loans>95% of shares, auto monoline |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | auto monoline | net worth falling |
| 2020-12 | 3 | margin squeeze, members leaving | delinquency rising |
| 2021-03 | 0 |  | auto monoline, margin squeeze, members leaving |
| 2021-06 | 1 | net worth falling |  |
| 2021-09 | 1 | auto monoline | net worth falling |
| 2021-12 | 2 | delinquency 2x band, delinquency rising | auto monoline |
| 2022-03 | 1 | net worth falling | delinquency 2x band, delinquency rising |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 2 | assets shrinking, loans>95% of shares |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | members leaving |  |
| 2024-12 | 2 | delinquency rising | members leaving |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

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

- 2026-06-15 [Official Rules: TEXAS EATS & Firstmark Credit Union Instagram Giveaway June 2026 - KSAT](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNenEzMDc0OEZJTmU5LUFfVHRIel82VE1fVGlfV2NRY1dheEJxQnBiNzd3TUZUalBheGJIY2ZaRmJQeFYtRWc2OGk3enRWanRTU0k4dnlMQk9UeC0wTldIdjVlelFDcV8wT09mRE1xdkRPQzVKZDNjMWF1QzBFa0RRVkxJVWtsYjdKOUdIcGJxckRwaWRNV2dvbDc3ajczcmN1LU5IVmNraUtKUTV0blpoS2RFRmtTeUR5a291Y2pqZFdHR0k?oc=5) · KSAT
- 2024-07-26 [TxDOT re-adding third lane to Broadway at Pearl, tearing up earlier improvements - San Antonio Report](https://news.google.com/rss/articles/CBMirgFBVV95cUxNZGJSM1RHR0M3Wi1JaGRwUWFtWi1MdTVjRjVzRlFWNV9IOTFWaWV5aHN2VTAzSTFPbVpRNlJxUmt3U3NUR3pFM1ZET3NYUTZ0ZE5lRnlNYm55Mk5qSWZyS0hIX25aNHE4NDcyUHVQRHpJT2ZYWGU1RzFSQmhCaS1fbnl5aFVaWjdqbDN1Ml9RdWtNVWxyZFdJSTZ3ZHlVTy1CaFcwVGxsWEtabEVaZGc?oc=5) · San Antonio Report
- 2024-07-15 [TxDOT to tear up Broadway sidewalk to restore traffic lane - San Antonio Express-News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxON2U2RmhZcVMxUWVYN1FxdmRIVFdxQU1oQ0xvSTVYSUR6b3Z3ODdzNGtnY2pwbEJtTU5lSHBqQ3pjSkRWSzVLS3pUdnRFcHlqZk1oNWtkRkdiRnNxM3ltOTRWMUdOSXlYTFdsR2JCclgyNnBXNVhOVEpHRGxWVHZiQm1tUXdPR0Jl?oc=5) · San Antonio Express-News
- 2025-01-21 [LIVE BLOG: Road closures, power outages, icy conditions - kiiitv.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPUk1VUmVMTy1VT09BS1JMWk1VamRPb2hqRnZvNXoxMEktd0ZpNEUxMjMxbkgyekhQTVNfM0JNelk5R0JpM3JFWmRjTkswNDRfaUNRZURENW5JZXB5UXhhVG1BZmZVZlFoRXNqMW5hS2pnVlpBdGtyNTFUeFk1NV93LURYTnhZSHlCcEh2a3BJbm5YOG5qTVlNU3Y2RFhLa29wNWNoTHR6Z1R0U1RUQWJfSGtWQmE4aDRRT1FCMDNTTjR4OUExNk5zR0psUy01QXBn?oc=5) · kiiitv.com
- 2022-06-13 [These parts of I-635 will close for construction this week in Dallas, Garland and Mesquite - dallasnews.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOV2NPQUVFUFZlRXMyUDQ5Rk9tTXFXdEFXZ2hoTXN6OFBaVXhWbm15Uk1lMzdCZUVDbUZlZ0hRdXlkWTVObU1qWFFPUzMzY2JTejlaZlFfbnJBRmEtN0hPRjBhOHUzMlByb0xZYUd3WlVqRktzUWxrdWVQVThueERqS2lwU2NRb1p5akxDYy11WTN4cmZfTzNWbVdmZ0xWTWUza0JhbjlHZ3lSVXBUdF9sc0JXNnVBZVBybVlXWlhQTFlmWENEWnZrZFVzLXk5LU1FNzFmNWlCUEJYdXd0djNrdGhR?oc=5) · dallasnews.com
- 2023-05-19 [Ryan Vaughn Stotler Obituary (2023) - Clyde, TX - Bailey-Howard Funeral Home - Clyde - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQaGpuZTJZRkNPdEQ3NGU5QkxmNTBvWk4wVU5WdTloZi1Hb2hHWUdFYlh1SEZyMXVoQkZ5WmJRRVU1SWM2ZGJVaWxhWmpncWFEaXBRaDh0YXprZUxYNDlYMUhlclRfeFhvR0F2NVdwUUo3WTYtWE90UGxLdGFYNUhUaw?oc=5) · legacy.com
- 2025-08-19 [Developers push ahead while road widening waits for funding - crosstimbersgazette.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPVDhsMS02eHZWaHpTanc4d2ZkVXRuX3FXMUwtaTAzNWhfQ09LWl9UeXVRLXMzX0NNaHZnaUdzT2prTUdNb3o3RFlTNWFfTnBvSjBoaWEycnVFTVVMRUN2X3pFVU1URU9sOVlqcHF2eFBWX0lQZDViZWsyMG5OZ0Z1TjVLZVFaTTR0T2gzMkFJWGd1ZE9La19UREZJT3p2cUY1SlpEaVlvWUI0dzg?oc=5) · crosstimbersgazette.com
- 2011-10-13 [Roland Klar, Jr. Obituary - San Antonio, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOdlVDdF9MUjFyTFpNRnNWX1ZJMTQzQWNManhabzhHdFRrZ0F1MEVickFBb3EyeHFtZEhzclNzUENtdXIybTNfZDkxRlU5NGpSb05DQjlRaHJZNHdIQVRSVllXMjc5YTJpWVZpNDBpSDJiSk5kbVowd0JKZHFUUFJLZkdXOUVrc3dn?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67439 (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/47.json (key "67439", 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=67439
- 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