# SHARED RESOURCES
Pasadena, TX · NCUA charter 67477 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/shared-resources-67477

Who the members are: state charter, organized 1949. 2,787 members of 80,000 potential (3.5% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $26.3M |
| Members | 2,787 (-3.7% YoY) |
| Full-time staff | 8 |
| Net worth | $3.3M |
| Net worth ratio | 12.4% (p34 of band) |
| ROA (annualized) | -0.90% (p11 of band) |
| Total delinquency | 0.97% (p61 of band) |
| Net charge-offs (annualized) | 0.32% (p70 of band) |
| Loans / shares | 82% (p83 of band) |
| Cash / assets | 24.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.16% (p89 of band) |
| Operating expense / assets | 8.31% (p96 of band) |
| Vehicles % of loans | 66% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.33% (p70 of band) |
| Vehicle NCO | 0.49% (p80 of band) |
| Repossessed % of vehicle book | 0.31% (p95 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 5% |
| Average share balance | $4,932 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $18,441 |
| Loans granted, annualized | $9.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 2 | expense trap | net worth falling |
| 2018-12 | 4 | losing money, delinquency rising |  |
| 2019-03 | 4 | net worth falling | losing money |
| 2019-06 | 4 | losing money | delinquency rising |
| 2019-09 | 3 |  | net worth falling |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 | assets shrinking | expense trap, losing money |
| 2020-06 | 3 | margin squeeze, loan book shrinking | assets shrinking |
| 2020-09 | 4 | expense trap |  |
| 2020-12 | 5 | delinquency 2x band, delinquency rising | margin squeeze |
| 2021-03 | 7 | losing money, charge-offs p90 |  |
| 2021-06 | 6 |  | charge-offs p90 |
| 2021-09 | 5 | assets shrinking | loan book shrinking, losing money |
| 2021-12 | 4 |  | delinquency rising |
| 2022-03 | 5 | margin squeeze, members leaving | expense trap |
| 2022-06 | 7 | losing money, delinquency rising |  |
| 2022-09 | 4 | expense trap | assets shrinking, margin squeeze, losing money, delinquency rising |
| 2022-12 | 3 |  | delinquency 2x band |
| 2023-03 | 4 | net worth falling, charge-offs p90 | members leaving |
| 2023-06 | 2 |  | net worth falling, charge-offs p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | assets shrinking |  |
| 2024-03 | 4 | losing money |  |
| 2024-06 | 5 | delinquency rising |  |
| 2024-09 | 4 | repo signal | assets shrinking, delinquency rising |
| 2024-12 | 7 | delinquency 2x band, delinquency rising, assets shrinking, leaning on borrowings | repo signal |
| 2025-03 | 3 | repo signal | losing money, delinquency 2x band, delinquency rising, assets shrinking, leaning on borrowings |
| 2025-06 | 3 | assets shrinking | repo signal |
| 2025-09 | 4 | delinquency rising |  |
| 2025-12 | 4 | members leaving | delinquency rising |
| 2026-03 | 5 | losing money |  |

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

- 2018-04-03 [Pasadena bank robber gets 43-year sentence - KHOU](https://news.google.com/rss/articles/CBMinAFBVV95cUxNaUpseV9uTmJ2cFFPQ25QaVZUZVFZYlhHS0FzaHlSNjFTMjVGOVp0WkRlRTBWNG9lRUV5X2xWbXVlcXNUN0VCVDdJQWNvcVdDdkxJRnZibi1lZE1xc1FzbFpoVFZmWUM5ejEtUXRoU2xXMmt0SWNwSVhNMEVNVmU5TE0wMzJoT1Vzc3p5eVZpNXJoR2lxeXNnZmtZT3M?oc=5) · KHOU
- 2015-02-18 [Fugitive arrested, seven indicted in credit union robbery - Chron](https://news.google.com/rss/articles/CBMivwFBVV95cUxNZGlIYmFpMG1nVnRRa1dubnJCUk1nbk5ZcXhoV01helVTak5CUUlGT2VCNDdkLUNkYzZsQXJ0alVQNlktY1RWNTB3M1E2RDNPdzRPOF9VNUFmcWVxNXVYaUZaUENKM0I2cnlSUlZjcDNRZGdzQXg2cGpuS2dqZEFCQm15d205dUpOeFYySHM3dHdLR0VMT1JpMVhDbDdFVlNkZUtiREJfRTZoTEZIRGtZSWxlNHpyc2xRaWk0eWw1Yw?oc=5) · Chron
- 2020-05-30 [Roland Lytle Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE90eWtFOHI5Zi1iX1UtcU5XTlZDbW1WLXFpRU9zYkI2bmJTZ0Q1YVFDSEs5RU5yTTdkY3l5WDk3a2NGSjd2enlDSU9ub19kU29MNWV1TWVUT2gwWlhUWEo3anZTTk4xb0pRQjZIbTRVYnJQS0NaZGFmdWtXeUhJOEk?oc=5) · Dignity Memorial
- 2020-11-23 [How Swoovy Hopes to Modernize the Way Nonprofits Recruit Volunteers - Built In](https://news.google.com/rss/articles/CBMieEFVX3lxTE9xQ3VZTDNBVWRLdnpUeE1fNFNtMW1FQjc0RktUWFp2ZkZ1YmoxVGw4NXNBSENmQ3ZENGx4bjJIRWEwY2JlVTdtazVGQzdFQ19fcEoxd3hBNlJNR3U5MXA4Z24xSGFJT3haaUdRZTdhRDBpX0I4aXUtRQ?oc=5) · Built In
- 2017-10-26 [Pasadena bank robber involved in high-speed chase gets 40 years in prison - Chron](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPZXZWdUptbnE5b0NEVG1XRXA2Qi02S3hoRXNoMktVcVJzaVNZSkEwOXpiRm1rUTFzN21VRjg5WWkyVHlmakZUamVjRnFiOWJwOUszRzdaampCLXdZcUFBV1pyd1FwU29ZdXNmd1NjZlZZS2xjY0ZjRDlyOWJ5N0UwVnNPaXFKVXh5ZlMzcUFEMVNvYndvb05sQmtiWVRIdjdPNXBWb2t4UWl3UQ?oc=5) · Chron
- 2015-01-27 [More than a dozen suspects connected to massive robbery ring in Houston area - click2houston.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPYWFQUkdZU1hhZHMyMlRzSDQxbTZ0bTQ0WkJtUk5mblV3d0RVdTBiYjFTQTQ2Q1Z1d1o3NmdHOUJBNE5Wd0hOY0FreHRZZlRQTEdBWGRWQ0lEOEw1Q0NsR0FNWDNLTTJxckxyRG9ocDZwOTdORmhjaE1wSm8yc1NGcWdKRThMQ1FZc2ZGVnRfVFd0N1ZjVU5WMGpfbGFzNTBFc2hzR0plNUo0QWpnM2NtLXVXSEZORjI3TThUdnc5U24?oc=5) · click2houston.com
- 2020-10-04 [Frank Peters Obituary - Austin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE5wQnY3dmI5aUVBSGRxZmtaR0JCUHRXUzkyVWZ4N2tyTU9fTXQtVFhPMU5JNW5HamRzV0RxZHZ0cURfRldGbUZYbGpxNkZaRlBRU3F3c0NKaUFDY0JYTDZ2Q21QT2REc1d3VVlmUkQwd1lwZXFuejRtTWcwYWJCUQ?oc=5) · Dignity Memorial
- 2017-10-26 [Houston man gets 40-plus years in prison for role in 7-man robbery of Pasadena bank - Chron](https://news.google.com/rss/articles/CBMiuwFBVV95cUxObVpkLWZHQ00zLXRBckp3X3ZfY3REMjFOdFczalZXUF83S18yMGJKOHM0dkhRZk1sT2xkeUoyS1VpdHFIamN4UnVxRWFzMnZfWlZ3bXpMZDVnUERNMmNxVzRfT0hqQkVBZUlUVGx0LXQyMER6VFZ4S2JEbXRDNlBMaWZkd1l2aWNwTlFDamtqVjlPbDFadDEzNlZZV0lkbWJ4V1drWm5tSUhBM01EYXlER1lnX1lUdmZCVnVV?oc=5) · Chron

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67477 (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/21.json (key "67477", 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=67477
- 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