# FORT WORTH CITY
Fort Worth, TX · NCUA charter 67532 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fort-worth-city-67532

Who the members are: state charter, organized 1934, low-income designated. 16,282 members of 3,413,203 potential (0.5% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $335.1M |
| Members | 16,282 (3.3% YoY) |
| Full-time staff | 45 |
| Net worth | $42.5M |
| Net worth ratio | 12.7% (p69 of band) |
| ROA (annualized) | 1.92% (p97 of band) |
| Total delinquency | 0.03% (p2 of band) |
| Net charge-offs (annualized) | 0.04% (p7 of band) |
| Loans / shares | 63% (p27 of band) |
| Cash / assets | 28.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.29% (p33 of band) |
| Operating expense / assets | 2.45% (p11 of band) |
| Vehicles % of loans | 32% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 8% |
| Third-party paper % of net worth | 15% (p29 of band) |
| Vehicle delinquency | 0.06% (p7 of band) |
| Vehicle NCO | 0.06% (p11 of band) |
| Repossessed % of vehicle book | 0.02% (p54 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 44% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 17% |
| Average share balance | $9,040 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $19.0M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $18,790 |
| Loans granted, annualized | $46.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $19.0M outstanding purchased (44.8% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 5.8% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2017-12-28 [Fort Worth City Credit Union converts to community charter - American Banker](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQZUpyT1FpRDJjZlVOWlkwQ0Z1czNTdDhIYUtYbE1qRjNtbm5XUERjMnRPekoyQ3ZGT3dhdElIU1VlNEJuQUI2QnE1Njgyamo2Tjk1eF8wX29XSDc0REIwNUR2dUJMaTB2VmpmMEZzSmN0cWhlX2FZYnNiR2tWT0p0WWwzWUdYaG5EeFN4ZThuclhuQWNPdWtFbE04T1pfZ3g1SnRhYnM2MHlUYnc?oc=5) · American Banker
- 2024-11-21 [Texas Trust Credit Union announces move to Interstate 30 tower in Arlington - Fort Worth Report](https://news.google.com/rss/articles/CBMitgFBVV95cUxOcTBFSFJaajcyTEQxVzlIcjdFUXRkUUtIRnd2M3V5aUVDOTNEWGp0LU8wdzV1SDNyNEpXWkJ0STRnY1ozXy1INzQtYWlvQUg4c3R0SGRoWXN2X3B0NlhvSGR4UG1qTXR2TDZZQmluLUFIV1ZmSnpLY0V3aXpWUXJ4X044bDVzVTJSVm5SV1JIUFpiUGN2QUhBQVdnRUEtY0o4NG9NSElBa0NHTGtyUFJpejViN2pvQQ?oc=5) · Fort Worth Report
- 2023-12-31 [Bretta Suzanne Butler Obituary Dec 31, 2023 - Minton-Chatwell Funeral Directors](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1Vb1BzUlZwdjFBeWNGSDJFZTg4XzBlWjVTaEtKTWJRNlg2czlzTTIwOEJIYkFINXNrUEd6UzJwQTNfVE5JSlVobUk1Q3pWMEx0UWhfMXJucXFWOGxKc0ExUTNMZjg5QQ?oc=5) · Minton-Chatwell Funeral Directors
- 2024-06-13 [Linda Gilliam Obituary Jun 13, 2024 - Murray-Orwosky Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5TcHBlZG9QTGNyeUFTZEl2dGxwLUgzWXozbDNYQ1M1ZnVvX1RLSnJnTVZGRzQ2N01XeXBRX3FIUVJXSU5wMmVRWlg1VFdSM0hlOTdCbWNKTDBfclJnS0NST1VrNC0?oc=5) · Murray-Orwosky Funeral Home
- 2022-04-11 [Fort Worth church withdraws application to build shelter for human trafficking survivors - KERA News](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQTWc0UjZtdUF6eUIycU9yODY1VllZSk1oOGVka0tlcWlGU0k5Vk43OVBGMUdIWVRhanN5bnhNVGlPRno1MHhJb205alFQQkVMVUpqV085azVrb0sxQ2xJNU5ZYXI4bEJTalJiOHJPR25zWTNvVU5tQUJVVjNYNElPcEV6bThrbjNVcHJsVWw1dTNFNEtZVW1UZW1sSl9qNGdqRXJ1aE9iWUZ3bngyZ1dzcHZISjZTMGVFdFYxS1RvZUc3aklIVHJDM3ZJUzdxeXMwNVF6WnZzai1lb28?oc=5) · KERA News
- 2025-09-01 [David Yett Obituary (1955 - 2025) - Fort Worth, TX - Star-Telegram - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQVGRwRTR0VUd6c1hoSW12SVFwNDh3LUNPcVRQWEdkc2tvaFA1clc0RFVOWHRieS1TZUxGSFNfZTR0bE54QlJqM2NsN1ZJMXRGWmNZSlA5UF8yR3cyekhsMkNneFFIajVqdi1aUnpZVUk5YkEwQnAxVmU4RFIzT25wNjZsMA?oc=5) · legacy.com
- 2003-03-26 [Andre Armani Obituary (2003) - Fort Worth - Dallas News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNWXBia1FTRVh6TWdpT1B2TVZITEhseDlaRlllUHVWbkRCOVdjV1IzbUJsbmJKaW8tVHk4TEFxOFpmVUU0c0JVYmlWbjRRRVRmbHdRc2Y1c0Q0bXVYa2ZzejY5b2JVTm5GbGJDSE11MjlFSTFxOHZja1BGeExDU3dBeXFQb1BBZS1QOGdSbkUtRmNPZTkzeDBzNEtRSmdFa2ZM?oc=5) · Dallas News
- 2016-12-22 [Fort Worth Officer on Restricted Duty After Making Arrest Caught on Video - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMinwFBVV95cUxQb1NYWUI4WFRRbnB3OTZad0JEbzlSMV93cmZIbURkLXh1T3g2TElaNXRCN0prYkRnTXAwUnJ0RGJxc0lyd2JfWTlZOFZ2YUtqOFJEcWp6SDFXbU1yZm1iM3J5RmMtaHM1eWFia2ZqU3dxRGZFNTJjdHAwM1VEbDBlTEYxaVFoRG1rUEU2YXF1cmxld2QtR3lEcTNoZG1zd1HSAacBQVVfeXFMTjdpYTA1NDlCZjhSSmZPa0RPWjFCbWFXejFvbHp5bGdLbnpKY2lNMzZUVUFpLUNka0dpRjFrSW9QS2FRQUxBcS0xZlE2eXp2NnhNRDBTOV8yLXVwcTg2cGhUSDJIcGhuempsUVk2cnBSS1ZTQWZtQ2F1VlN1RVhvMGdyMmY0andnZ21UWVJLTk44NW5yNGpzR2tGemVYejhtejF5b1o5WUE?oc=5) · NBC 5 Dallas-Fort Worth

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67532 (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/12.json (key "67532", 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=67532
- 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