# AMERICA'S
GARLAND, TX · NCUA charter 67470 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/america-s-67470

Who the members are: state charter, organized 1934. 31,666 members of 2,635,000 potential (1.2% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $422.5M |
| Members | 31,666 (-2.8% YoY) |
| Full-time staff | 134 |
| Net worth | $64.0M |
| Net worth ratio | 15.2% (p90 of band) |
| ROA (annualized) | -0.07% (p5 of band) |
| Total delinquency | 0.46% (p37 of band) |
| Net charge-offs (annualized) | 1.29% (p95 of band) |
| Loans / shares | 78% (p59 of band) |
| Cash / assets | 25.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.35% (p89 of band) |
| Operating expense / assets | 5.18% (p95 of band) |
| Vehicles % of loans | 35% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 3% (p23 of band) |
| Vehicle delinquency | 0.47% (p43 of band) |
| Vehicle NCO | 1.71% (p86 of band) |
| Repossessed % of vehicle book | 0.48% (p95 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 16% |
| Average share balance | $6,447 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $28,528 |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 61% |
| Average loan balance | $20,955 |
| Loans granted, annualized | $108.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $28,528 outstanding purchased (0.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -3.2% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 1 | members leaving | delinquency 2x band |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | assets shrinking |  |
| 2018-03 | 1 |  | assets shrinking |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | delinquency rising, repo signal | members leaving |
| 2021-03 | 2 |  | delinquency rising, repo signal |
| 2021-06 | 2 | delinquency rising, charge-offs p90 | net worth falling, margin squeeze |
| 2021-09 | 1 |  | delinquency rising |
| 2021-12 | 2 | members leaving |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | members leaving |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | repo signal, assets shrinking |  |
| 2023-09 | 2 | delinquency rising | repo signal |
| 2023-12 | 3 | repo signal |  |
| 2024-03 | 4 | expense trap, members leaving | assets shrinking |
| 2024-06 | 4 |  |  |
| 2024-09 | 5 | assets shrinking |  |
| 2024-12 | 1 |  | repo signal, expense trap, members leaving, assets shrinking |
| 2025-03 | 2 | net worth falling, repo signal | delinquency rising |
| 2025-06 | 2 | expense trap | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 5 | delinquency rising, assets shrinking, members leaving |  |
| 2026-03 | 4 | losing money, charge-offs p90 | delinquency rising, assets shrinking, members leaving |

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

- 2026-08-31 [Credit Unions Press Congressional Priorities During August Recess - cutoday.info](https://news.google.com/rss/articles/CBMipAFBVV95cUxOeXZEemZkSmxad0pRa2NmUm5lLTdkcHNzX2ttdmxuS0tSa0R6YU9VQXpJd29BU2EtRDNhVl9fNjZ2elRUMXlMMkJ3YUdqcjZtNVpHVG5qSUZPWU1LVEJxTzB3RXJGMVQ1Y2lzdTRzb0VQbjVxNXNEZWt1cXI5WS1iamVRcjBKQU9WRTV4N1BPV3FaUXdJcWZjbHVmSlFySkp0SzN2Zw?oc=5) · cutoday.info
- 2026-01-12 [Texas Trust Credit Union named to Newsweek’s ‘America’s Best Regional Banks and Credit Unions 2026’ list - CUInsight](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPMVliN1Y3Q2huMzRPcWxVZXlXbEg2SkFhMm1hYWJMV3lYZkRrQjh1VW5pTTc4ZUs0b3poZExFRW8xWjY0dGdlVFhndTMyX3FPSkF1S3h6TG9iSWRtdjVZSmtlZHRKcVhkU2UxT3FRanhud1ZJdkxod0lsdTZBQ1BqWDRjVkNNZWV4NzI0bmhwaml1elA5RUlxTnVhVGNEUWVhZU54SUYzNVdaRFFVNXBkYjRFY0ctOFJ3WGFjYjZDUXJoWW5FcHVaNDhLVW9zOUZpRjhXeUM4R0o?oc=5) · CUInsight
- 2025-12-16 [America’s Best Regional Banks & Credit Unions 2026 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNblc5ZFlRYURwTFhWdFZZX3o2ODdLSlJKYjRBaHBlU1pfRVgtT2lOVnc1djFlQXlxUzVkZl9MN2dqWjB2OGs5Um51RUhzb2JId3ZraHkwTnJYa19NOG1PWFdraDlFd1E2Y1FhbWg0UjZzM3V2Ry1fYndBN0RSUU01R1ZiTQ?oc=5) · Newsweek Rankings
- 2026-02-05 [America’s Best Financial Services of 2026 - Time Magazine](https://news.google.com/rss/articles/CBMicEFVX3lxTFBoTkN6VU5WZHhwQjZqdk9LVVdGTUdJVHUyX2NBR09wOGVaOWtkaGNJeWpBeG1QZGh4Zk9GSE1nVkgtUzRZYUxSeGlNUUJFU0xCdG0wc0xLbHM0MXRPSEc3X2hJVTZuUWxHUTJaMWZnNVE?oc=5) · Time Magazine
- 2026-07-01 [SPONSORED: RBFCU launches Stars, Stripes and Service initiative supporting North Texas Food Bank - WFAA](https://news.google.com/rss/articles/CBMipAJBVV95cUxOc2J6SkZIYUZ6bkhUekxJUzh4alg2Wk9QeU9rMWtBOThoczBjVVZyN1U5NHdScTQxRUdKNlIyUnIxWlZ2OEN4QlRDa1NmcFcxR2IwWi10NURMczdudHloajZYRmF0ZmNSVzZLVTJUeUQwV0Rva1BzemRVY2RwSG5MSkRrelF6UjNLTENka2lyMjRHdC1kZXIyZ2FlUFFQekVvdXpfM1NaRGxSSU1CNFZvRUdpNlpxendyNE5FR3hoZ2tNUjJ6cU9teWxWU2ZQelZiM093LUtDRTFkQy1DWUwxWEk1SE1WRWJBT0RPX0ZmUmphOTRnN0dGQ1A3a1BKdHg3ajk4Q0RYMTZIXzF4REMxWm5WX3FFLVZlc1B3V0VXNWR3Y0VK?oc=5) · WFAA
- 2026-03-10 [Raiz Federal Credit Union President and CEO Max Villaronga inducted into the 2026 African American Credit Union Hall of Fame - CUInsight](https://news.google.com/rss/articles/CBMi-AFBVV95cUxOa2Exd0ZQc1BVeEFheTdMVmtrcFExLUYzYXgzY1FMbG51UGhQc0hjVTFjdVBmdGJ4TG0wVHk3cWxmLXh5RGIyaFpOamRoaERGN3NJVkRHMlhLWGtPMzRaMEU4ZGNOaU5veXdaeGtVZUV6RmZNNy1GTkxjX0J5aEQ4NnVQbGR4Zktrd3RiNTc4SUZjZGw2aXdtaTNUMW5yUUhlLWdJZmkyTVlQaFFBUEU1WllfNE9tRXRqWTZVdTJyczF2OEhMajZnWDc4T1c5RGFZdENwUzZBTVdTQVBKaFR1MVREZFV3V0pkS041Zll6V0F1NkhRRzBCbg?oc=5) · CUInsight
- 2026-06-22 [Rockdale to Host Milam County 4th of July Festival for America’s 250th - cameronherald.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxONC0weFBzTGhieVc4ZlNZQUhwTXpyTjRhZk9kN182QmRiUl9kb05VUjI5ZDEzZVZwb19Hd0p4SFNtUzBHQV9BUDhsV2NZaHlPajBOYTl1MExnOGdYU0NmeldhS0ZDMTRvYktKRERvRHA5WGw4amN5dGpCbWZtZE9icjFCelZuczlmR0s5Ng?oc=5) · cameronherald.com
- 2024-03-07 [Plaintiffs and intervenors file summary judgment motion in Texas lawsuit challenging CFPB small business data collection rule - consumerfinancemonitor.com](https://news.google.com/rss/articles/CBMihwJBVV95cUxOM1drSFpFMXVuZTZDTGtYSzluSzlpMHpKR3lOcmRlbWdSdEtlXzlMMVY4OUZhd2NOdDBXZTl6dUZmVERLRVl0OWg2VHhMYzJyNWFxS2M2S3hiNVoxd0FrMFRqc0VXUURiR016M0VVUkh3c0FQaGd3d2J5dXUwdmpOYldPWEFhUTdOUmp2OWZUVHdtamlKSFQzVDhnX1hiS0NKeHQ1TDRueU9URlVrNHVOTG9hY0JCUWk0S2VRTzc1WmEtVTVFQlc2THZoUGVQX1lmNmRvOUJHVDh6RWhIeUZsV3gwZU5VakhkRTJwT1pxNFFhcXZzb0E2M25Da3N0SEZCREhOLVNhYw?oc=5) · consumerfinancemonitor.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67470 (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/14.json (key "67470", 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=67470
- 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