# TEXAS HEALTH
AUSTIN, TX · NCUA charter 67452 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/texas-health-67452

Who the members are: state charter, organized 1956. 4,816 members of 1,500,000 potential (0.3% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $143.7M |
| Members | 4,816 (-1.8% YoY) |
| Full-time staff | 17 |
| Net worth | $18.3M |
| Net worth ratio | 12.8% (p63 of band) |
| ROA (annualized) | 0.70% (p50 of band) |
| Total delinquency | 2.29% (p95 of band) |
| Net charge-offs (annualized) | 1.40% (p94 of band) |
| Loans / shares | 57% (p28 of band) |
| Cash / assets | 46.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.44% (p36 of band) |
| Operating expense / assets | 2.33% (p10 of band) |
| Vehicles % of loans | 26% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 3.54% (p97 of band) |
| Vehicle NCO | 3.24% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 7% |
| Average share balance | $15,390 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $25,611 |
| Loans granted, annualized | $7.3M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | delinquency 2x band, delinquency rising, repo signal |  |
| 2017-06 | 3 | net worth falling | repo signal |
| 2017-09 | 1 | repo signal | delinquency 2x band, delinquency rising, net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | delinquency 2x band | repo signal |
| 2018-06 | 1 | repo signal | delinquency 2x band |
| 2018-09 | 0 |  | repo signal |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | net worth falling, margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | thin capital | margin squeeze |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 2 | delinquency 2x band, delinquency rising | thin capital |
| 2022-12 | 1 |  | delinquency 2x band |
| 2023-03 | 2 | delinquency 2x band |  |
| 2023-06 | 3 | assets shrinking, members leaving | delinquency 2x band |
| 2023-09 | 3 | delinquency 2x band | members leaving |
| 2023-12 | 2 | members leaving | delinquency rising, delinquency 2x band |
| 2024-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2024-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2024-09 | 2 | delinquency 2x band | assets shrinking |
| 2024-12 | 2 | delinquency rising | members leaving |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 | net worth falling | delinquency rising |
| 2026-03 | 3 | charge-offs p90, loan book shrinking | net worth falling |

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

- 2026-07-08 [Rising healthcare costs are straining Texas businesses as the Legislature seeks solutions - HPPR](https://news.google.com/rss/articles/CBMiywFBVV95cUxQSzNfYXFQdjhEcUhTUk1HNnJJTk9FczJLMmZBSkRjZ2p6U0h5Z1h5SHphdlBORjlSYWw1RGRaay1ieHlNMzRINERBWlNuWFNlaTFBWUNvcklzNl9aal82bUhQWG41WFZMUGRlU19YQ1JTZTVNRGJiWTFjeHRRVExncXBpbVAwdjVLaFBKTkRCRDl2MktmQkhNZW9UbG84Q1pfNzRQR1paSzZuRkxTQzc5TVE5cEszdHdCN3dCcERfdTVXX0U2UmQ5WlZ5UQ?oc=5) · HPPR
- 2026-08-01 [CHRISTUS Health opens 50:20 Clinic to provide specialized care for survivors of violence - Port Arthur News](https://news.google.com/rss/articles/CBMiugFBVV95cUxQNXJrRC1aWmEwMzNZOWN0dFNTckUtUWRSc3Nuc085RUpXTDFUYlNmUGJ4cy1OTUVJekFuMS1OR3NIWVdxS21zankyWVBzeVFKd242bHA3aHRheGNrRnVoaG5fOFBMTFA3aGdsbkdJcXNkVjZheWQ0ZmVNZm9Uc1pmVTItWU92Y0E4TVczRVZZQ0tyUHctR1RlZHFlV0tFUG52dlFVMXN5cmhpRE0tMGgzVGktOFZ0RzZVaWc?oc=5) · Port Arthur News
- 2025-10-08 [DFW Business Leaders Experience being Principal For a Day - Richardson ISD](https://news.google.com/rss/articles/CBMiYEFVX3lxTE56TndUbVptT2FOQmVFbTh3ajV0WmZXekU0SExYc3Z5YTVBSFhLa3RvWERtd2l4Ujc3R2M1VXFYU1BQNXNrQTNiVnduU0lOT1cycFFwWXZuYTU4ZWhCNnRlMQ?oc=5) · Richardson ISD
- 2025-10-01 [The federal government has shut down. Here’s what it means for Texas - The Texas Tribune](https://news.google.com/rss/articles/CBMioAFBVV95cUxON19SVlhhdjg1OWR1Q3pVV255TWlQa2JibV82eUZHRlpJVkJsQ1MwLVE3Tno1U3RseFdWQVJ6M2xRZkdEamZQRVo5REFMV3FKdTZLMUNadEdqc3pFeE95c0stRnFETjJsLVlEUml0dlh1VEI4R2dGZHZqTnBJYl9KWEF6NzVvN0ZMeFZFX1daTmh1MlMzYUt0c0MtZmhnaUZ4?oc=5) · The Texas Tribune
- 2025-10-03 [Resources, information available for those affected by government shutdown - KTSM 9 News](https://news.google.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?oc=5) · KTSM 9 News
- 2026-01-13 [Meet the new board members for Better Business Bureau SETX Foundation - Beaumont Enterprise](https://news.google.com/rss/articles/CBMirwFBVV95cUxOT2Zka3h6eGt0WnI2WWZDTl9PMW9tNF9jdmVqb2RGc3RJNEpMNkVMdXZiRUx5ejdLU2o5aER1bWtLNzRoUWRwZGVtbzNTYW9vTVpYZmwxUTJqcVU1ZnYzdVo5Nm15WnhOV0lkMVpDZHNVaXdKS0NjMkVnZGExeXE5cENIUXlVOXNVZnZmZ1VWOEJIclFVVTI3eE9TMUhxdlY1SWJnSmlmczVidVNpSWtR?oc=5) · Beaumont Enterprise
- 2025-11-04 [State of DFW: A Regional Economic Development Update - D Magazine](https://news.google.com/rss/articles/CBMinAFBVV95cUxNeEg5Z1I3V2pfN3JvWTVRTHp5RzVvYmRXR0VaZFE5RnRXTUxjeC1ORzlxWUhES3A4NDZDdnZlc01hbE02NU4wSlpWOWJIYkJRdVpZVTJScHNXeUNGYXhBNGRKb1JqVHp0aFBkZm9mWE9VTjZUYnlaR1E0VzB0UnFJbE16R19zeDBHeC04XzNIM1JZc1JKNHU5TkVfcjQ?oc=5) · D Magazine
- 2020-12-07 [Neches Credit Union raises $8K for Children's Miracle Network Hospital - theexaminer.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNRS00Ri1ZOUFaYlVDTFBjLWdzbGNyV3RZREtjUTBXdWNKWjA0dlZ1djAyNm02cFNtamh3c1FuM3piQmM4UTJkUEZmT2Z2TnJaY1JsRVIxRFFqODNUZ1lEa1NHTnY0QWo0amZycjlnZjdWMWxmcXZyVkNhQ0ZuWWFVT2lXQThUdnJ1NlA3b0pUNDE3a0JzRExtdHhmbXhVdw?oc=5) · theexaminer.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67452 (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/60.json (key "67452", 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=67452
- 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