# PRESTIGE COMMUNITY
Dallas, TX · NCUA charter 67507 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/prestige-community-67507

Who the members are: state charter, organized 1936. 7,817 members of 1,325,255 potential (0.6% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *ordinary*. 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 | $122.1M |
| Members | 7,817 (-6.0% YoY) |
| Full-time staff | 24 |
| Net worth | $10.5M |
| Net worth ratio | 8.6% (p10 of band) |
| ROA (annualized) | 0.83% (p59 of band) |
| Total delinquency | 0.65% (p52 of band) |
| Net charge-offs (annualized) | 1.33% (p93 of band) |
| Loans / shares | 85% (p81 of band) |
| Cash / assets | 17.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.63% (p47 of band) |
| Operating expense / assets | 3.70% (p52 of band) |
| Vehicles % of loans | 34% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 6% |
| Third-party paper % of net worth | 500% (p99 of band) |
| Vehicle delinquency | 1.47% (p85 of band) |
| Vehicle NCO | 2.66% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 24% |
| Average share balance | $8,008 |
| Participations bought / yr | $15.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $3.8M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $23,237 |
| Loans granted, annualized | $35.1M |

## Participation posture (from the same filings)

Bought $15.7M and sold $0 in the latest annualized quarter; $3.8M outstanding purchased (35.7% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares -0.1% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 2 | thin capital |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 2 |  | charge-offs p90 |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 3 | losing money |  |
| 2018-06 | 2 |  | losing money |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | net worth falling |  |
| 2019-03 | 2 |  | net worth falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | delinquency rising |
| 2020-06 | 3 | members leaving |  |
| 2020-09 | 3 | net worth falling, delinquency rising | 3rd-party paper>100% NW, members leaving |
| 2020-12 | 3 | 3rd-party paper>100% NW | delinquency rising |
| 2021-03 | 4 | charge-offs p90 |  |
| 2021-06 | 2 |  | net worth falling, charge-offs p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | loans>95% of shares |  |
| 2022-09 | 2 |  | loans>95% of shares |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 5 | losing money, loans>95% of shares |  |
| 2023-09 | 6 | net worth falling, charge-offs p90 | loans>95% of shares |
| 2023-12 | 5 |  | net worth falling |
| 2024-03 | 3 |  | losing money, charge-offs p90 |
| 2024-06 | 5 | net worth falling, losing money, members leaving | delinquency rising |
| 2024-09 | 6 | charge-offs p90 |  |
| 2024-12 | 6 | assets shrinking | net worth falling |
| 2025-03 | 6 |  |  |
| 2025-06 | 8 | net worth falling, loan book shrinking |  |
| 2025-09 | 7 |  | net worth falling |
| 2025-12 | 6 |  | loan book shrinking |
| 2026-03 | 4 |  | losing money, assets shrinking |

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

- 2022-11-10 [Second Chance Checking Accounts By State - Lee News Central](https://news.google.com/rss/articles/CBMisAFBVV95cUxNOW82MnUyWmVEZUJGbTJMUkhhOTI3eDFWLUxEZnIteV9BVmlnRTZLYzZJY29TeWRKZ0p4NHhBbVUzejVscnRWTG5BcW5Pc2tVQU9fMG04RFpLMGNMT05UaTlMTTRWVlB6Y1NRNkt6dTk0cWU4dVB0VWZHWC1MY0tBanRsWjZlNjJ2RGhrM21kd3M4ek5DLXgwZzg5YWVzUkRzeUpZMExhUjRCWER5MnFWOA?oc=5) · Lee News Central
- 2024-10-01 [George Mccalpin Obituary (1923 - 2024) - Dallas News](https://news.google.com/rss/articles/CBMipAFBVV95cUxPSG1STzMzYlRjN3IwUUJqOWhUa3FfZDFpTlFpUnJFM2wzWXVrbU1hcTZGUm1zVGYyV1d3MEtubXlNd1haOVJnVlRwaHpOT2szMzZRWktXb3J3NEhuTk5PMzk4S2xsTVBETVpsSUE3cjFMMHNmeV9EVXNBVDlibGVRVjdWV29WaFZldlZQNmh5b0RINHk1WW1acjJTcDhlVFYwTkVsNA?oc=5) · Dallas News
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67507 (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/51.json (key "67507", 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=67507
- 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