# ASPIRE
Lufkin, TX · NCUA charter 67489 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/aspire-67489

Who the members are: state charter, organized 1952, low-income designated. 2,636 members of 5,500 potential (47.9% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *fortress*. 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 | $37.9M |
| Members | 2,636 (2.2% YoY) |
| Full-time staff | 8 |
| Net worth | $7.7M |
| Net worth ratio | 20.2% (p75 of band) |
| ROA (annualized) | 1.80% (p90 of band) |
| Total delinquency | 0.10% (p25 of band) |
| Net charge-offs (annualized) | 0.12% (p59 of band) |
| Loans / shares | 77% (p78 of band) |
| Cash / assets | 23.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.18% (p89 of band) |
| Operating expense / assets | 4.60% (p72 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 | 0.13% (p38 of band) |
| Vehicle NCO | 0.20% (p75 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 9% |
| Average share balance | $7,047 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $13,244 |
| Loans granted, annualized | $14.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 | net worth falling | delinquency rising |
| 2018-03 | 0 |  | net worth falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 | net worth falling | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | net worth falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 2 | delinquency rising |  |
| 2021-03 | 4 | margin squeeze, auto monoline |  |
| 2021-06 | 2 |  | net worth falling, delinquency rising |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 1 |  | margin squeeze, delinquency rising |
| 2022-03 | 0 |  | auto monoline |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | assets shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | members leaving |  |
| 2026-03 | 1 | delinquency rising | members leaving |

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

- 2025-10-23 [Aspire Platinum Rewards Review: No Longer Available - NerdWallet](https://news.google.com/rss/articles/CBMie0FVX3lxTFBLU3hyUHlRR0ZPVF92ZzNtZm9DWnc2eUZMYTFrWW80alNCeXNLOXRTd0tnTGs4NjVwQlBqMUJrX1l1aXJEa1hfUGhqZzZGYVNQU2NaUmxfQVJwUm9sX3BCSzZVbnkwVmkxeVBMS0lCMmtKY2M0aTdGSWdmbw?oc=5) · NerdWallet
- 2025-08-22 [Best CFO honoree Jason Schneider of Texas Dow Employees Credit Union (TDECU) - The Business Journals](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPY0pfQlZVSW5BclJRSDBwNUt2NDN4dk1sWEdVX29BdzU3SnpQRm5iUUE1OC1nTGJxM2d2Y3JJbWFEa1E1MGJydEs2Qnl0Sl9DTENJdlNxdnVBVld5WWJiQjNzSkJVZzI2SHZaSW5qLUJ5Rm9JM29rY3IxU2gtLVV2UWlZNzdIZTZ5YlNhenlhcXFBREdPRzY3NkV3eEkzYjBmSlpGeVN2QXg1ejhBeW9tZ3R3VE1nM0RVdE1BQlB3TkpqT1d3bWRsSktvZ1hLM2dtbDFzZzlKUjJIM2pYQ1F5YWdXWEt4SWVFSS1JVlRLOTY2U3l4bGc?oc=5) · The Business Journals
- 2020-06-08 [Credit Card Issuers: Phone Numbers & Contact List (2026) - CardRates.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOdGVYTWEwVmYyLThwSU1kRkkxWmJMXzdYZWljNXhhbFhHYzFFNFJ4NUx3endkZHFRZWZJUEVSaEpiaGxwTjIxUUlZbE1URFVMcmdLNzUtR1FiMFYwcktHOVFib1l2WmNFb1l3QnhYWkV3OWVHTC1Jc21xdE1OZG1WVkFR?oc=5) · CardRates.com
- 2022-11-10 [Second Chance Checking Accounts By State - Lee News Central](https://news.google.com/rss/articles/CBMisAFBVV95cUxNOW82MnUyWmVEZUJGbTJMUkhhOTI3eDFWLUxEZnIteV9BVmlnRTZLYzZJY29TeWRKZ0p4NHhBbVUzejVscnRWTG5BcW5Pc2tVQU9fMG04RFpLMGNMT05UaTlMTTRWVlB6Y1NRNkt6dTk0cWU4dVB0VWZHWC1MY0tBanRsWjZlNjJ2RGhrM21kd3M4ek5DLXgwZzg5YWVzUkRzeUpZMExhUjRCWER5MnFWOA?oc=5) · Lee News Central
- 2015-12-15 [Apple Pay adds 66 more U.S. banks; BJ's Wholesale store credit cards now supported - iMore](https://news.google.com/rss/articles/CBMigAFBVV95cUxPYVRvTldzaFFEODVxNUVmQi0yNmEwUkl5VnJ4QVYza09IVnBOUTluWlZjeC1KU3lJbFNNQUZLdnhJNTBDRnVZMW5naEZNV3NQT2JZYXBKNklqRUpaajl1ZjlVUFRIdG5NSkxLLUhNd2pPV1phOWNrbUdGSnd1SHdDcw?oc=5) · iMore
- 2020-01-31 [10 Best Credit Union Credit Cards - CardRates.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1MUkRTYWgzTW03dDRia0ZZakU0VURnQWdpZVppT2paZUhCMGpQeDFoVmR5OEdxOHIwMTM4ODhhZlNmTnYtcDhtRm14bjl2U2RIdFJPMFIzdVBMZl9HYXNaWVR2cng3ckFPaERzRDVwR3BhcmJmeWZielM1eTcydw?oc=5) · CardRates.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67489 (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/33.json (key "67489", 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=67489
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide