# HOCKLEY COUNTY
Levelland, TX · NCUA charter 67516 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hockley-county-67516

Who the members are: state charter, organized 1954. 4,197 members of 8,000 potential (52.5% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $43.8M |
| Members | 4,197 (9.1% YoY) |
| Full-time staff | 13 |
| Net worth | $4.1M |
| Net worth ratio | 9.4% (p13 of band) |
| ROA (annualized) | -0.72% (p13 of band) |
| Total delinquency | 0.62% (p49 of band) |
| Net charge-offs (annualized) | 0.79% (p82 of band) |
| Loans / shares | 65% (p60 of band) |
| Cash / assets | 15.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.48% (p34 of band) |
| Operating expense / assets | 4.49% (p69 of band) |
| Vehicles % of loans | 70% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.58% (p54 of band) |
| Vehicle NCO | 0.47% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 45% |
| Average share balance | $5,860 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $10,653 |
| Loans granted, annualized | $11.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 4 | net worth falling, losing money, delinquency 2x band |  |
| 2016-12 | 2 |  | net worth falling, delinquency 2x band |
| 2017-03 | 3 | delinquency rising, repo signal | losing money |
| 2017-06 | 5 | losing money, delinquency 2x band, charge-offs p90, assets shrinking | delinquency rising, repo signal |
| 2017-09 | 3 |  | delinquency 2x band, assets shrinking |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 | delinquency rising | losing money, charge-offs p90 |
| 2018-06 | 3 | losing money, delinquency 2x band | delinquency rising |
| 2018-09 | 3 | delinquency rising | delinquency 2x band |
| 2018-12 | 2 | assets shrinking | losing money, delinquency rising |
| 2019-03 | 2 | losing money | assets shrinking |
| 2019-06 | 3 | assets shrinking |  |
| 2019-09 | 3 | delinquency 2x band | assets shrinking |
| 2019-12 | 1 |  | losing money, delinquency 2x band |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | delinquency 2x band |  |
| 2020-09 | 1 |  | delinquency 2x band |
| 2020-12 | 5 | delinquency 2x band, delinquency rising, assets shrinking, loan book shrinking |  |
| 2021-03 | 5 | net worth falling, charge-offs p90 | assets shrinking, loan book shrinking |
| 2021-06 | 2 |  | delinquency 2x band, delinquency rising, charge-offs p90 |
| 2021-09 | 3 | delinquency 2x band |  |
| 2021-12 | 3 | charge-offs p90 | delinquency 2x band |
| 2022-03 | 1 |  | net worth falling, charge-offs p90 |
| 2022-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | net worth falling |  |
| 2023-09 | 1 |  | net worth falling |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 3 | net worth falling, delinquency rising |  |
| 2025-03 | 4 | delinquency 2x band |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 | losing money, charge-offs p90 | delinquency rising, delinquency 2x band |
| 2025-12 | 3 |  | charge-offs p90 |
| 2026-03 | 3 |  |  |

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

- 2022-01-12 [Hockley County Sheriff appointed to Governor’s Broadband Development Council - KCBD](https://news.google.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?oc=5) · KCBD
- 2017-10-27 [GrooveCar brings on 25 new credit union partners in Q3 - Auto Remarketing](https://news.google.com/rss/articles/CBMilAFBVV95cUxPc1hHdERaTnQzbDZKbEVObEJXb3BzTXZIQXdxajFVQXJSeVBtTmFjc2RNV2NzR0E5eVZkQklJZ3RQYTBvRGFaLVpXR0k0M19SSkR1MEtYdEx0SGVIN2tMeXZnZzhfMXdtLW5fTGxOeUNLYjZUdzNNYlJLTUU5QUk4WmxQbVZpUnNIQ0R1eFJXMHB3SFFi?oc=5) · Auto Remarketing
- 2018-12-01 [Nell Maddux Obituary - San Angelo, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNTGRERXZPYWE2SGpweTZaN0VrUTBJNWJxVTVibk5hOVhmeG8wZGowaExxOXJKcUN6T1dhR29JVGR0NV9yTzl4V0YwWC15SW1DN2NRcXlIVUliMFBlTDlaZEJLaHVHSXphQ2tBeUV3b29jMFlCZVVKNTgtQVRWUHZvWjdR?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67516 (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/60.json (key "67516", 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=67516
- 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