# TEXAS DPS
Austin, TX · NCUA charter 67511 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/texas-dps-67511

Who the members are: state charter, organized 1954. 5,762 members of 25,000 potential (23.1% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *ordinary*. 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 | $99.9M |
| Members | 5,762 (-0.7% YoY) |
| Full-time staff | 21 |
| Net worth | $12.1M |
| Net worth ratio | 12.1% (p42 of band) |
| ROA (annualized) | 0.73% (p53 of band) |
| Total delinquency | 0.45% (p40 of band) |
| Net charge-offs (annualized) | 0.29% (p55 of band) |
| Loans / shares | 66% (p58 of band) |
| Cash / assets | 27.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.95% (p66 of band) |
| Operating expense / assets | 3.82% (p60 of band) |
| Vehicles % of loans | 47% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 6% (p61 of band) |
| Vehicle delinquency | 0.20% (p25 of band) |
| Vehicle NCO | 0.12% (p45 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 11% |
| Average share balance | $9,122 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $726,031 |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $16,416 |
| Loans granted, annualized | $16.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $726,031 outstanding purchased (6.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.1% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 2 | net worth falling | margin squeeze |
| 2021-09 | 2 | members leaving | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 0 |  | thin capital, members leaving |
| 2022-12 | 2 | thin capital, delinquency rising |  |
| 2023-03 | 2 | assets shrinking | thin capital |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | delinquency rising | assets shrinking |
| 2024-09 | 2 | assets shrinking |  |
| 2024-12 | 0 |  | delinquency rising, assets shrinking |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 1 |  |  |

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

- 2025-10-10 [Community Selects Lisa Thompson as Credit Union of Texas Teacher of the Month - MyParisTexas](https://news.google.com/rss/articles/CBMipgFBVV95cUxPQndMVmlYODBhQWJaR014NTFCZlJ4dEp6TUQ1bzVrVmdFNVdSYjBUTi1ZRDVsb2ZFb18zT2Jycmloei1kazRHU2FUbDN4Z0phRlFqdVpqY1lXZ3lQNmNQVGV4c2xZX21ONml4VDFwbFJzMHNRQ2FyQURaYmYza2JaUEc3SVRYYXVtYWxTWGlRd0JqR2hQLVlud1JIYnJKa2Nqd2RGUTR3?oc=5) · MyParisTexas
- 2022-09-03 [Javier Arana, Obituary March 24, 2012 - Sunset Funeral Homes - El Paso, TX](https://news.google.com/rss/articles/CBMiakFVX3lxTFB5NkNXRkcyQURXdDluSmUyVFdNOXRxRDVEMkpFRl9vbWhFM3FvZ2hOcEg2aDJvVUhjZm9hREJ2T0V1OTV4WktJalBpZnVTbGI2ZnlMVFFRVjNZZGQxODNINUdFdWJYdDJiN2c?oc=5) · Sunset Funeral Homes - El Paso, TX
- 2022-02-22 [Watch your speed: Lubbock police, DPS make 'targeted enforcement' effort - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPSHRZWjhPR0piR0llSFFibmJRclFDdkFKZEdXdDVSV2Y0VFlpZHBRcVF0T0tlYm95YjBpQUV6TmYtN1FSX0EyalNFWW5BWHFSV2lKdUVGalhudjljZHQyWGwzNXh6NERBdVJIaXR3RFdLa1FNa2pld0llQm1IV2VjcnQzSndRWmZ4M2RXSVRvdHhhRlM2Rnh2MG9tNkE3NHdOVFpiRWI1aUZnOUs0RVQzLWRwc3p2YThsMU5IbnZQYUQ3Zw?oc=5) · Lubbock Avalanche-Journal
- 2018-02-07 [George Griffin Obituary - Austin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxQS0dtZldUUFR5T3MzVFVaZ1lqWGFxdVRGT0JjclI1OXA4YVlGaVpQMWRSajVGN3JEcy05QWU2QjNBdGFESlFjWVRLVTVjYzIwdkxJeFppbWJIT0dmaXNkWFNlM2pzRWZiTHQ1VFYzVmw0aXVkUWQxQTNPcnpnYWhCbA?oc=5) · Dignity Memorial
- 2026-05-13 [DPS investigating fatal Van Zandt County hit-and-run - KLTV.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPLUdGMnN4ZUNCa2hRbzBKLXpyZzl2WVlaUFEyaVF4RklIZWllQVZYaU1HazAzdGpvekg0eWxqdmRNMGgxZWJJQXlmakhPblRBbGlidld1WmZ1dlZlTElhVVc0cjVoNnZqRXUyZmZOX0xUMFV3NS0zbXVSdl9PcnNhZ0tWU3d1dEcwbms1VUln?oc=5) · KLTV.com
- 2021-10-10 [Helen RODRIGUEZ Obituary (2014) - Austin, TX - Austin American-Statesman - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQcVNuRGRObzQ0M2o1eGI3dXpZQzNSeEMzUjYzUXFxNEVxdW0yaHg2bHlza2ItaEtxWFExbGlZR2dHM1hSQXNnS3pVLVZOcEZHWDVuamwwXzlRdXluSXl4VThGUHlYOHBrRlpCNGdKV0RFMUs0SHM0dGtHeHFfbnR1Ymp2WS0weFBadmU4RzBsZ0N5Zw?oc=5) · legacy.com
- 2015-06-29 [Maurice Beckham Obituary - Pflugerville, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxNMk55NTBzbEJlYXhxMmdXNnh3eG1FNERiaHVLZTBBUndjcW9sdXNNT1BRNE40WEtUU0pRc2hoczRMTHR5U21vTnNlbEVuYzhEVUd4T2lVX0ZIZ3BGSmpsMURGOV9DQTFvNkZOYTNGdm8tR2ZXNGlRSWtjZmVMX2YwaloybURfc0FMb1E?oc=5) · Dignity Memorial
- 2015-07-10 [Dwyt Lawson Obituary - Pflugerville, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPWnZ3RzE0TGhMM1Bic1ZVUXVrSThSRlljUVJBZW92MGRNNUoyNHdNSV82akdWN3ktSU5TekxYX0JUMG9iZC14ZVhpNWtVdkJMUkg3NHkycXlZc0RqVzFmdUdUMG5iT0EySUNmNmJOcDhDS0pRa0tKSy10Vll2ZTZoLTJJSmE?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67511 (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/55.json (key "67511", 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=67511
- 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