# REED
HOUSTON, TX · NCUA charter 67486 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/reed-67486

Who the members are: state charter, organized 1935, low-income designated. 968 members of 2,500 potential (38.7% of the field); checking penetration 15% (share draft accounts per 100 members); loans per 100 members 12.

**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 | $15.2M |
| Members | 968 (-9.1% YoY) |
| Full-time staff | 3 |
| Net worth | $2.7M |
| Net worth ratio | 18.0% (p66 of band) |
| ROA (annualized) | 0.08% (p28 of band) |
| Total delinquency | 2.05% (p78 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 17% (p4 of band) |
| Cash / assets | 84.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.08% (p21 of band) |
| Operating expense / assets | 3.00% (p31 of band) |
| Vehicles % of loans | 93% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 97% |
| Third-party paper % of net worth | 68% (p95 of band) |
| Vehicle delinquency | 2.21% (p82 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 | 0% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 14% |
| Average share balance | $9,767 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 12% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $17,746 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 2 | auto monoline |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 5 | delinquency rising, assets shrinking, members leaving |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 4 |  | assets shrinking |
| 2017-12 | 5 | net worth falling |  |
| 2018-03 | 3 |  | delinquency rising, net worth falling |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 | 3rd-party paper>100% NW | losing money |
| 2018-12 | 3 | assets shrinking | 3rd-party paper>100% NW |
| 2019-03 | 4 | net worth falling, delinquency rising | assets shrinking |
| 2019-06 | 3 |  | delinquency rising |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | losing money, assets shrinking |  |
| 2020-06 | 5 | 3rd-party paper>100% NW |  |
| 2020-09 | 4 | delinquency rising | losing money, assets shrinking |
| 2020-12 | 4 |  |  |
| 2021-03 | 6 | net worth falling, losing money |  |
| 2021-06 | 6 | charge-offs p90 | losing money |
| 2021-09 | 3 |  | delinquency rising, net worth falling, charge-offs p90 |
| 2021-12 | 2 |  | members leaving |
| 2022-03 | 4 | losing money, members leaving |  |
| 2022-06 | 5 | assets shrinking |  |
| 2022-09 | 5 | delinquency rising | assets shrinking |
| 2022-12 | 5 |  |  |
| 2023-03 | 3 | assets shrinking | losing money, members leaving, delinquency rising |
| 2023-06 | 4 | members leaving |  |
| 2023-09 | 3 |  | members leaving |
| 2023-12 | 3 | loan book shrinking | 3rd-party paper>100% NW |
| 2024-03 | 5 | delinquency rising, members leaving, 3rd-party paper>100% NW | assets shrinking |
| 2024-06 | 6 | delinquency 2x band |  |
| 2024-09 | 5 |  | 3rd-party paper>100% NW |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 5 | assets shrinking | delinquency rising |
| 2025-12 | 6 | delinquency rising |  |
| 2026-03 | 5 |  | delinquency rising |

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

- 2026-08-27 [QB Marcel Reed’s offseason bonding push as No. 8 Texas A&M eyes more wins - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMi8gFBVV95cUxNZWZLeEVNRVhFQ3BBVVB0MnNZRnBRMXljYWJhRW53NW5SMjhHTDNtTGNGV2hwRVRrMGNlNHF1dnZldEFmX0FDM3N5aEpnYS1GNDhhZXFWVmh5dzlFRVMzTWoySHBXczdEd3l4RmNid2pzRFQ1aDNvU0pkZzdjZTFvN2RvWk5iOWpNUkNzNi0tYkFGZkg3THpTMTY0WUNHYWM3VFdfXzZPU1o5WEdQZ0pHR0JvNDhQMzM4dHZldDNQb1RxS1JIZ0RJY0JUSHlqVW51MWdHYmQ4SmE5cjRHSVNxQ3BSOU84Vng2dHFwME90bW1EUQ?oc=5) · Daily Jefferson County Union
- 2025-10-23 [Meet Becky Reed of BankSocial - Voyage Dallas](https://news.google.com/rss/articles/CBMic0FVX3lxTE1BYTQxUmZCVThaN0g3NEx3dXNha1ZqcG8yVHZCVW9SQlExSURTWFdRT0JYeE9YWFVwZXhseWZ3NGViTW1jZUpNTXZaZkZ3QmtvNU1zV1FPUENGWHpPNW04aldycDk4eExPei1yZVNETHNFR00?oc=5) · Voyage Dallas
- 2025-10-20 [Patriot League Football Players of the Week presented by Credit Union 1 Announced (10.20.25) - Patriot League](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOOGZqMnJuNFJpdFZKMG5BYzQxNE1WMW1vbEsxQ1ZmZFhXalNZR2RqS2tiTmN3dENqRGxVZGotNmcxUTBmVHFNaEl3M0JqM2ZLb1NfRmgwSUpicHFiOGZBTU9QSHV2QUIyQnoyR2U1S3Y4YlRTc1BudGFnVWpNRGVGNE5EdzdHdVhURDlkaHl0NlNidzJmajI0X3pzZk1FZ2NTdVRkSklCbjZhakZPQlhRV3ExZlNuaTMybktUS0M2THlFbDRWQk01R1BlMlRVMnRxbXRV?oc=5) · Patriot League
- 2026-01-23 [Paris Police Reports January 23, 2026 - MyParisTexas](https://news.google.com/rss/articles/CBMib0FVX3lxTFBRbFNiUUVCeHc4VWJSRGtuQUw1Z2JhUXVQRG1ObFBxTENFZThqWGVNcU1ZYjhfLVdrMG9veHlsWWdlU2RYTHZyX0lWRFpuaXM0Z3lKdHpKZ0FLbEZTVlZwcVJkMlpENGNpMWV3bDNiOA?oc=5) · MyParisTexas
- 2019-03-27 [Baylor Health Care System Credit Union announces selection of new president/CEO - CUInsight](https://news.google.com/rss/articles/CBMivAFBVV95cUxNVUVjZTFnSkR6ZXNLNWszSzd4N3pGUmxwZDQtN2I2OWUwX2szam9neGRxR0RmZXJJQnNBb3VyeUl4LV8xYXlMa3E4eHNTSmR4RmtxVm5NY1ZldWM5N01rOUxJT3VSMnJQZ3d5XzJMSUJ2aEg1aV9uejNBaklQcWlIaXYtRk5VT2E5bk4yS2ZzQzdtc1g5dlk1QURPQmIzcGVMcVdkT05IcFJyd1NYVEFGVTJoTUxzLUFRS2F5NQ?oc=5) · CUInsight
- 2022-01-13 [Credit Union’s New Chief Executive Officer - Texas Border Business](https://news.google.com/rss/articles/CBMif0FVX3lxTE4xd25QQUpQQVhVbG4yS0E3NVJmenZYckFIWHlLanNUVXdxWHlIbEdOUGlrRTZqMHY2blg4Nlc5OHpVOUJEWXpsUnU0TVc3RXZEdjhsbmlFYXd5azhjek9DU1B3M3FpMVFPbmR0emtkbmdJOVFyNmREM3JqMVhadzA?oc=5) · Texas Border Business
- 2025-09-08 [Brownsville ISD partners with Security First to launch new banking program - ValleyCentral.com](https://news.google.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?oc=5) · ValleyCentral.com
- 2024-03-11 [Technology Credit Union Expands to Offer Robust Services to More Members Across the U.S. - CardRates.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNUngwSk04akVGNGowQTZtQjJ2NF9ialUweDhvV1djbUJCbVlJSHdTS1NISXpYT2lGc0taR1Jyc2dRem80NWxLZzRQMDMxRGR0eE12WDhJc1ZYZURQNm9NUXdGcU5ZMDZCb1FIbFhBWmQxdncxSHRCSFhBZG9KMzI5UjVnN0RwemsxcWViYnRYS2ltUQ?oc=5) · CardRates.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67486 (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/30.json (key "67486", 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=67486
- 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