# ORANGE COUNTY TEACHERS
Orange, TX · NCUA charter 67498 · asset band <$50M · latest filing 2020-03 · stopped filing after 2020-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/orange-county-teachers-67498

Who the members are: state charter, organized 1954. 60 members of 60 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**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 | $268,722 |
| Members | 60 (-17.8% YoY) |
| Full-time staff | 0 |
| Net worth | $127,391 |
| Net worth ratio | 47.4% (p99 of band) |
| ROA (annualized) | -16.04% (p0 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | 0% (p0 of band) |
| Cash / assets | 90.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.60% (p0 of band) |
| Operating expense / assets | 16.64% (p100 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,132 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 | repo signal | delinquency 2x band |
| 2016-09 | 0 |  | repo signal |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 6 | margin squeeze, delinquency rising, assets shrinking, members leaving, loan book shrinking |  |
| 2017-06 | 6 |  |  |
| 2017-09 | 6 |  |  |
| 2017-12 | 6 | losing money, charge-offs p90 | delinquency 2x band, delinquency rising |
| 2018-03 | 5 | expense trap | margin squeeze, charge-offs p90 |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 |  |  |

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

- 2024-06-21 [SchoolsFirst, California’s biggest credit union, looks to next-generation growth - Orange County Register](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPOFR6NVQtYVFJYVVESWw4b28yMjF4Z2pKWTBqLTlIWGRjb3dnQ0lkVldfV0ZtaGRmbml0QkZmSkVsRUE4bk9rb0NnUVZ6UUFZQ0o3S0ZLdllsa3JycVB0SlRKaElTQWtfWU50RGZPSG9fc2M4dl9jMVBCdDB6dE85bGRWUFNFek5aWG1ZRkZzUWc4ZENhMVNtaFpMM2Q5LUN1ZWN4cG9feDNRS2M0TVVyOUxDRHFRT0t6dHcwaGVRWXNkVGtJU3JHVkQyd3ZaRzlkRnhfajN3?oc=5) · Orange County Register
- 2022-11-01 [SchoolsFirst Sees Growth Potential in California - Orange County Business Journal](https://news.google.com/rss/articles/CBMihAFBVV95cUxPTmdDMW1GMXh2U0RjNTg1alM5OUg0Tk5wdjBtMmpEc1JORkRlVFZiNTJwNmNqN3BfSEQyS09paTVxTkdGLXRkbUdIT2NUS2lrQUJvUm1LOWJMQ29yTnpNbVlqQXJzWi1ZbTY2d3VxdkctR2VCVnMzYzRLMzgwQjN4QUltS0U?oc=5) · Orange County Business Journal
- 2022-04-21 [Cities of Orange, Pinehurst Voters' Guide - The Record Newspapers](https://news.google.com/rss/articles/CBMipAFBVV95cUxPY1IxNHB3ZllvUWp4emRpZDRWaHBWTDVxcEhqcV81WkYtUXlSX3k3WVJjOGNUZkt3cXM1bEVhU1dBMHJVdUZkc0sxc0NyTXpqQk05Z0hrbVVMNEZCV3BhYkFFT28xcnFFaHhVU2JySVhTUF9wSmVXbHpjZWN3Z2FiRkpRTTZqTXRLZnpfMDAwYkYwd21ENTE2bEJwN1BEOVhpLUJreA?oc=5) · The Record Newspapers
- 2023-08-21 [Status Update: Fashion Island adds another luxe brand with Paige debut - Orange County Register](https://news.google.com/rss/articles/CBMirAFBVV95cUxPNXp5RHdickJ6dnREZzhsaE00bmNuNzI0QWk0Y3pySlZZbC1ydEpLbE5wc0VzdXVjbFQ1N09FaDNMSFhVOU9zWDhnQnNjMUY3eHdQc2tiNVpzQm9Ga1dKWXAyajhLZXUtVVMyWlVYTHVqbnZubXk0ZEI5bG0zSC01WWlrRkVSTGZUZDd0dFpmLVZZbnEzT29xa1d3eVZTLU94SlhudENaV0c0N3Qy?oc=5) · Orange County Register
- 2006-05-11 [O.C. Teachers of the Year named - Orange County Register](https://news.google.com/rss/articles/CBMid0FVX3lxTFB0TS1VaWo0czkzRnFpZUVMTVJzMzlpNFRWVS05amw4LUdEcnhKazlkRXpKNlpPNk9SaFkxSUF3NUdud2d5bk05eDY4R1hRc3M0aFVLeEc1bU1qQl83ZTJvZGdNUUV2em5IVDZLUWNvYUlzeEtMTEF3?oc=5) · Orange County Register

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67498 (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/42.json (key "67498", 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=67498
- 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