# STAR OF TEXAS
austin, TX · NCUA charter 67512 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/star-of-texas-67512

Who the members are: state charter, organized 1952, low-income designated, minority depository institution. 2,903 members of 100,000 potential (2.9% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $68.3M |
| Members | 2,903 (3.4% YoY) |
| Full-time staff | 10 |
| Net worth | $14.9M |
| Net worth ratio | 21.8% (p94 of band) |
| ROA (annualized) | 1.72% (p91 of band) |
| Total delinquency | 0.99% (p71 of band) |
| Net charge-offs (annualized) | 0.43% (p66 of band) |
| Loans / shares | 100% (p99 of band) |
| Cash / assets | 21.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.26% (p82 of band) |
| Operating expense / assets | 2.99% (p31 of band) |
| Vehicles % of loans | 19% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p52 of band) |
| Vehicle delinquency | 0.37% (p39 of band) |
| Vehicle NCO | 2.25% (p95 of band) |
| Repossessed % of vehicle book | 1.12% (p99 of band) |
| Real estate % of loans | 78% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 35% |
| Average share balance | $8,700 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5,570 |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $37,969 |
| Loans granted, annualized | $8.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5,570 outstanding purchased (0.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.2% year over year.

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, members leaving |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 1 |  | members leaving |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | margin squeeze | delinquency rising |
| 2020-12 | 2 | delinquency 2x band | net worth falling |
| 2021-03 | 2 | members leaving | delinquency 2x band |
| 2021-06 | 3 | delinquency 2x band, delinquency rising | margin squeeze |
| 2021-09 | 2 | repo signal | delinquency 2x band, delinquency rising |
| 2021-12 | 1 |  | repo signal |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | members leaving |
| 2022-09 | 1 | repo signal |  |
| 2022-12 | 0 |  | repo signal |
| 2023-03 | 2 | repo signal, loans>95% of shares |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | delinquency rising | repo signal |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 0 |  | loans>95% of shares |
| 2024-09 | 1 | loans>95% of shares |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | delinquency rising, repo signal |  |
| 2025-06 | 2 |  | delinquency rising |
| 2025-09 | 3 | delinquency rising |  |
| 2025-12 | 4 | delinquency 2x band |  |
| 2026-03 | 2 |  | delinquency rising, delinquency 2x band |

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

- 2026-08-31 [The Best Credit Unions Near Austin, According to Locals - Austin American-Statesman](https://news.google.com/rss/articles/CBMibkFVX3lxTE51UktMa0ZiZGxBR2tRT0VaOUFOeVpoSkZzZWN4NWVmYlBrQldqcWd0U1hHWk1menNpTmpURFlQQXFkN2kta3I4c3FWWVcyYndQYldoTFQ1anBBeFZua3RQX05aNWRrUFFKRk94cjJn?oc=5) · Austin American-Statesman
- 2024-12-31 [Banks for Immigrants and US Non-Citizens: A Comprehensive Guide - businessinsider.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPN3RBb1NXSm5seGNfVk4wZlNKRXJad3IwQ25GTUVRdjhlSkw5THZmQ1VQUFM0TzJ0WkFWLVBqcEZLcUI3OXR2VjczeFhfaXVHNEI3c0xPVmgzb1hnMTcwaVV5dVRUenF6cS1NZWZUS2dvQ1VFZDM4RFF5NGhkU3YzSWtOYnlRWWVhOHlpUEtPRUN4aVFXTWVobmNyeDZ3SlVRRm5JTW1rcXNna0E?oc=5) · businessinsider.com
- 2019-04-12 [Hali Ragland Obituary - Austin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE5DQmxMcVZSbnhtcFE5RG9ZWkJrc3pJc21uaXJvVHJQZ0pGVnJrOFVTTnFtNkd1Y3RvbFZ3ZTN4VjFiQUJYSWZOdG5mWF80cDA3UFhfVS10YUd0Y0dWZjFMYk9HbFM0Sm5MM2VvUEpYVG9paVZyRUFQcGswT21wdw?oc=5) · Dignity Memorial
- 2024-02-28 [Google Wallet grows with 42 new supported banks in the US - androidpolice.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdTExb0swWkFSZ0xMRGU1OElrTVI2TFRrT1RUaFFkMTJtR0pIM0VmVGJXQ2hYbVZ5dEFwTjhZLU1Jbk9nT21iYmZmWVZFdWtMQTdGcXBOQVl6b3R6SWVmTDBaWGlWWVRCZXN4bmpOeVZ2cS01bTRYeFF6Yi14Tm40MDVCRkR3WXNLUnBKbXY1MzVpeWc?oc=5) · androidpolice.com
- 2024-02-29 [Google Wallet now supports 40 more banks - can you finally pay by phone? - zdnet.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNdElTT1pXSzdNcE5QV3Z2ZUNXVjJyQmk1LXlzNE5UN3ZmYjU1d3RXYTBFVlpSbGJSc1hOV2UxbXFacDVHSlJHUk90WDJZcDBWM1lBV2xzWjU4YldCNmdKSTJlZHlmM1NqTDlHXzZVRzhfX0NkZTh1eTEtMWkxZ0RiY18ybXBTNVJWUWdiSmlXRVU2Z2N2NXIzbU5EZjE5Mm5uNnc?oc=5) · zdnet.com
- 2024-02-29 [Google Wallet gains support for 42 more banks ahead of planned Google Pay app shutdown - Android Central](https://news.google.com/rss/articles/CBMikAFBVV95cUxOOE5QeGtRbEI0Z09yRXY2Z2EzOFhBbUdJa0Uxb2tEWmt2QkYyampBWHl4MkN0XzBSRFpVYjhaQlVmcWJPelZWUzlSdXQ1VDc1NWg1V3ZJdGNFMWJJaGlfR0hTY3RaaTF1eDZEdDdLX2Jka3BLZmJTQW5qN0ltSFJmbXp1MTR5YnZpRDJicldHNWU?oc=5) · Android Central
- 2025-12-28 [Frances Laurel Obituary (1945 - 2025) - Laredo, TX - Laredo Morning Times - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOcVVxd3ZfRkxWeDAyX3U5T3hUWldHaFRSLTNBN1JCM1FZU2hSMTF2WHhfczBxUHdCRXZ0OGd5TkhzYjUxRGlEbElhejVhX2NMSnU3RWZtUlZZSmR5Y0o0QWJyb184aDE0czA4ZUVoRzlWczAxMnVDTE9Ldk9OVVBlYXY5cjU1NXdOSGhJUU9Ddko?oc=5) · legacy.com
- 2018-03-24 [Donald Glenn Obituary - Austin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTFBzdFNfQ0tOd3BhMjM3d2FIcWlwajlsZWJtN3ZqSHVTMEF4OEtlRS1ZOFdSX1VYQWFEYXZkSm9iNHpJakMtWFM2MHRtTnVobDE1ZkE3MkhtcEtlcG1YaVpkeEtjT0Fzbm9UelBrWFoyRHBtVjFxNGE3QW03NzRBQQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67512 (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/56.json (key "67512", 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=67512
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide