# S A F E
BEAUMONT, TX · NCUA charter 67501 · asset band <$50M · latest filing 2017-12 · stopped filing after 2017-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/s-a-f-e-67501

Who the members are: state charter, organized 1931, low-income designated. 1,669 members of 4,500 potential (37.1% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *too clean*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $11.4M |
| Members | 1,669 (-6.7% YoY) |
| Full-time staff | 4 |
| Net worth | $1.1M |
| Net worth ratio | 9.2% (p21 of band) |
| ROA (annualized) | -0.46% (p14 of band) |
| Total delinquency | 0.03% (p12 of band) |
| Net charge-offs (annualized) | 0.62% (p69 of band) |
| Loans / shares | 40% (p23 of band) |
| Cash / assets | 21.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.89% (p43 of band) |
| Operating expense / assets | 5.69% (p90 of band) |
| Vehicles % of loans | 74% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.79% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 8% |
| Average share balance | $3,141 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $4,768 |
| Loans granted, annualized | $1.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **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 | 4 | losing money, expense trap, repo signal, auto monoline |  |
| 2016-06 | 2 |  | losing money, repo signal |
| 2016-09 | 3 | delinquency 2x band |  |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 7 | losing money, delinquency rising, members leaving, loan book shrinking | delinquency 2x band |
| 2017-06 | 6 | repo signal | net worth falling, delinquency rising |
| 2017-09 | 4 |  | loan book shrinking, repo signal |
| 2017-12 | 6 | net worth falling, loan book shrinking |  |

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

- 2026-08-13 [The Best Credit Unions Of 2025 - Bankrate](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5ib0NLcS1PRHlua25MWkZkdDZ4bkxOeDZWZHlHenRLeTZjV0p3LW5OSUFOZ0QwQmpwZDJMMGdsQ3NFR25GeVNic0F5bnkzNHdLdTNxQUpWYXlmcEZiQ2lscVBn?oc=5) · Bankrate
- 2025-11-25 [West Coast credit union merger attracts scrutiny - Business North Carolina](https://news.google.com/rss/articles/CBMifEFVX3lxTE1WUklGQzdtbi1wV2VNNjMwZWJMMXN0SC0tMnNoRndBUFZEUU50WTJ2Uzc1ekl6SmJua0lYelNuRENNcHRaN19uQ1FUcWNXWENMd0RWcEppV01sY09XLTVzV2dVdGF1N0hHcXZiVmtyeUJGYUg1aExJeXU2VHA?oc=5) · Business North Carolina
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- 2025-12-04 [We Found the Top Credit Unions: 6 Best Credit Unions - NerdWallet](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBCTFlBakNVVk5za0RuYWs3ZVlXSVVIMXRfTjRKUTlnbERrb0xDa0FDdXB2UDdWeHpoaGpNb2hXZGhQWTJRY1dXVTRkRnVzU0JWRFF4NU9lYU9KUV9YQjNpM2pVaw?oc=5) · NerdWallet
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- 2026-01-28 [NCUA: What It Is And How It Keeps Your Money At Credit Unions Safe - Bankrate](https://news.google.com/rss/articles/CBMipAFBVV95cUxOdm91UF9ybExVLUVvZ1lnWDB1YzVMcjkxWXhoNU9MS0dnWC1oTHEzd1JETHdPYktxZ0ZZTWFYWGpiRWprbFR5QzNyYzRrOGlxd1hNSEVnSGsxbnlyLWZka1BaZ2hBR2lSdVhLY2JtVko5YWJfZ2xlcFozT0NzLU5EU0NHV3p0RXd4TTlnV1YwUEFJekhXUUI5c0plNlBGV1h0V3BDVA?oc=5) · Bankrate
- 2026-04-12 [Future Yuba and Sutter college students can apply for regional scholarship - appeal-democrat.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxNeU0xLXhiSUllNDE4S2kxLVpQS0M3UUF5ZHBVR0JJN201eFB0M2xLQzBmdTd0UkU3TG1RV2owLW5oQWRwQ05tcVRjZFZMZkU3bl9STS1xNXFRRTZ2cTJwLTFpb3ZhWHAySDRaTnFsUVVUSm14dERZdkN3UnZIUHdaMk05SnJUejJ6MUV6ZVJWTFFsTlExbGIzcW9YRjV2cWFRZWRaWnpiaGFWR09vbFg4dmtWbW92cGtUeVVGR0YwUnFNUXJlcFJhMExmOXJhcm1Fci1lQXZhaFB4UmhWemRNZGhkVWtQUnZaOUJ1b3Frc1FsZUE?oc=5) · appeal-democrat.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67501 (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/45.json (key "67501", 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=67501
- 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