# TEXAS TELCOM
Dallas, TX · NCUA charter 67490 · asset band $50-100M · latest filing 2024-09 · stopped filing after 2024-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/texas-telcom-67490

Who the members are: state charter, organized 1952. 3,526 members of 1,000,000 potential (0.3% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 99.

**Verdict on the desk:** this could be *auto monoline*. 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 | $53.7M |
| Members | 3,526 (-13.4% YoY) |
| Full-time staff | 8 |
| Net worth | $8.2M |
| Net worth ratio | 15.3% (p76 of band) |
| ROA (annualized) | -2.13% (p1 of band) |
| Total delinquency | 0.28% (p27 of band) |
| Net charge-offs (annualized) | 0.41% (p62 of band) |
| Loans / shares | 62% (p43 of band) |
| Cash / assets | 24.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.16% (p6 of band) |
| Operating expense / assets | 4.86% (p88 of band) |
| Vehicles % of loans | 71% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.31% (p36 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.06% (p82 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 34% |
| Average share balance | $9,363 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 99% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $8,130 |
| Loans granted, annualized | $7.6M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **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 | 3 | delinquency 2x band, repo signal |  |
| 2017-03 | 4 | delinquency rising, members leaving | delinquency 2x band |
| 2017-06 | 4 | charge-offs p90, assets shrinking | repo signal, delinquency rising |
| 2017-09 | 5 | delinquency rising |  |
| 2017-12 | 3 |  | assets shrinking, delinquency rising |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 5 | delinquency 2x band, delinquency rising, repo signal |  |
| 2018-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2018-12 | 6 | delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2019-03 | 3 |  | repo signal, delinquency 2x band, delinquency rising |
| 2019-06 | 3 | net worth falling | charge-offs p90 |
| 2019-09 | 4 | charge-offs p90, loan book shrinking | net worth falling |
| 2019-12 | 5 | assets shrinking |  |
| 2020-03 | 3 |  | charge-offs p90, assets shrinking |
| 2020-06 | 3 | net worth falling | loan book shrinking |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | delinquency rising |  |
| 2021-06 | 2 |  | net worth falling, delinquency rising |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 4 | net worth falling, delinquency 2x band | members leaving |
| 2022-03 | 2 | members leaving | delinquency rising, net worth falling, delinquency 2x band |
| 2022-06 | 3 | delinquency 2x band, delinquency rising | members leaving |
| 2022-09 | 2 |  | delinquency 2x band |
| 2022-12 | 2 | assets shrinking | delinquency rising |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | losing money |  |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 4 | delinquency rising |  |
| 2024-06 | 5 | members leaving |  |
| 2024-09 | 4 |  | delinquency rising |

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

- 2026-03-01 [Joyce Liptak Obituary - Dallas, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5oc0tXVFh6VlA4Z2VLanF1Z1NBUDNiVWZ4dWVHLWxWUVVkYUMxZTFlb2FCSlJ3M1pJN1hEVExsRlh3Uk0wNU8yT3kzMkgyV296MEVBTm9SY0NtbWM0b2FSc0NDU2hKNHE1MXNXaEp5cUV2d3NvYmVmV1ZMcm9IT2s?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67490 (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/34.json (key "67490", 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=67490
- 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