# DATCU
DENTON, TX · NCUA charter 67535 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/datcu-67535

Who the members are: state charter, organized 1936. 112,942 members of 7,785,300 potential (1.4% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $1.77B |
| Members | 112,942 (2.7% YoY) |
| Full-time staff | 218 |
| Net worth | $302.0M |
| Net worth ratio | 17.1% (p97 of band) |
| ROA (annualized) | 1.47% (p93 of band) |
| Total delinquency | 0.16% (p6 of band) |
| Net charge-offs (annualized) | 0.75% (p73 of band) |
| Loans / shares | 104% (p96 of band) |
| Cash / assets | 9.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.04% (p91 of band) |
| Operating expense / assets | 2.70% (p24 of band) |
| Vehicles % of loans | 57% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 90% |
| Third-party paper % of net worth | 345% (p89 of band) |
| Vehicle delinquency | 0.11% (p5 of band) |
| Vehicle NCO | 0.76% (p36 of band) |
| Repossessed % of vehicle book | 0.12% (p64 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 27% |
| Average share balance | $6,865 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $22,097 |
| Loans granted, annualized | $676.3M |

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | loans>95% of shares, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | net worth falling |  |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | margin squeeze, members leaving | loans>95% of shares |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 2 |  | margin squeeze, members leaving |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 4 | loans>95% of shares |  |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | delinquency rising |  |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | auto monoline |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | net worth falling |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2023-07-31 [DATCU Stadium - Facilities - University of North Texas Athletics](https://news.google.com/rss/articles/CBMiZEFVX3lxTE05d3RMa2dJOE1qX0xIY2pmbzNmRno3N21Qakk0RzZhMjc1bFdjU1c5WkRlMjBZMVRlcFBFNkM2bG5MSEk5VUdxTEVEWlBWa2syZHRwVGVCdEdPX19zcTBJUzdPb0w?oc=5) · University of North Texas Athletics
- 2024-03-16 [New DATCU location opens in the University Union - ntdaily.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxPU3l5UXJuWVFOTktOM1ptbnBsZkZjc0ptckw5WVp1OHlHMFFRU3VDMGhJN2xSS2lpSlBNOUlFMmxLeWluelJ5UW91TUFHcnNzUHVDVUNFQXpmb3Y2UHJDUEdmV19IREFzR0NBS3lzWlJtZG9QdHRXWS1WaTBpb1pHMmRsWFRSa2VQeDVsV29nV2pTWVNMZlpCaXI0YlYwRnZRdnFnYmZsRkhfbVp1NmdZU21ZTUV3cXlLVFZRdnJ0VDFnYVEyelE?oc=5) · ntdaily.com
- 2025-01-08 [DATCU Credit Union CEO to retire in 2025 - CUInsight](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQQWg3WmcwVGtCenBiR0RaTW1ncXhmZVhxZWVYY25wYmV6RlZOQndPVlNyUU9zRUhabHMzWEo5Y3JBNHN4V2gyNzVvcnBHb1RQMjFsREdfVy1KRHR6RzBpR2xCSXhLazRjNXB3MlpURGV2YzliV2R4UnVQWE1jRS1XdW1MeFhXY0t2?oc=5) · CUInsight
- 2023-08-01 [UNT celebrates naming rights deal for DATCU Stadium that will boost athletic department’s financial backing - Denton Record-Chronicle](https://news.google.com/rss/articles/CBMiowJBVV95cUxOTkdiWTY4WHpfNnBzdlNpcVhUbXUwdlJYc3h4czUxVXE0SlhxYWRoVzBQS3o2WEhETXVlNGVwTjMzLWFZVDNZckxzN0lDR2g2cW1ZeWlBOXFZTm9ZajZRYkZwV082Q1FUUk9LQkJHVkUyM1J1YW5PQWl6bVlSTjZnLVdXSjgwYWEwZTE2Z2oxdWxpR2xhZkZXVDNYdnlsVUw1SGplNkdjUGUyUFlDSXcwQThDNHRBQWUwRlRxbTJyR1VYOE9aLXBQUTFoWXZoTHByWC1aTEJFVnZ1MF9abHJhcHBHNTFqWl9UYVdkMi1ZRU5NX1Z4VnA4ZVkwdzloVGlzNk5PWmJkblVmXzNrcUotUjFoUmhYWFdMbkdHWG1ORUtnMnM?oc=5) · Denton Record-Chronicle
- 2023-07-31 [UNT Renames Its Football Stadium, Awkwardly - D Magazine](https://news.google.com/rss/articles/CBMid0FVX3lxTE1lSjRBMUl1bkFhZ1MxSlRHTTlQdUtOcHlXM28tMTk2S3J4Rmo1ZlpyQWtFVWZSMERJb3EyM3ZNa0JsTFYteU5yclR2dm04dWhENmNNdkR3ajBDYlJJRUFLdUx5a0d4MkxKeXgwWThPaFR0Wi0xaE1B?oc=5) · D Magazine
- 2023-08-01 [UNT ushers ‘new era,' renames football stadium to DATCU stadium - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMipwFBVV95cUxOOTdSZGZBdElDNElXZHN4LWhKMUttUzB3dXJ3MTg2NnpEY3g4dG45R0pPek11N3Y0Qmk2TVR1d1lKUElZbi1OaDdKNEFnMTExNHBtZzdJMy16eHBPcnM0eG1nWUo1S29jZWR2b3M4SW1RWDgyMzVCd0FBdTAtcjFPTVRMeS14Sk9BSTh1Q0JFb2FZVUF1ODlMN2lENzB3N0p3LVZGbDFfY9IBrwFBVV95cUxNVkZCX3ZxRlZ4Rzhadmc1dlJYTUthNndFMkxyQ09LanpqVGMxdjR1OE9NMXZkcmtsNUV3dzJVWU5vLU9NZ25pQlI3VUd5eUduakEyb2p1ZjVUcW1OSVFtYlhxNEotaTM4eG9ENUdrMXpFX2RLVHc5LVJZYzJRS1FvV3VhUXZBdVk0X2R3bDdQNWlkZ2QxX056ZWVsMlpCNXRObUhjZ3BSMXpKcEpUY2J3?oc=5) · NBC 5 Dallas-Fort Worth
- 2016-12-01 [DATCU chief to retire - crosstimbersgazette.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE5lUmduSEtGUkh6b0tUOHA3bUpnMnhTbFNOX2tjLXd6bGY1WVEyMTctRWNvQlMwbVZzVFUzN3dDell5UUQ5c3Y2eFFCMW41bndmYXphX3pwZnpPUXowakhZdWg2SFBvX3NGT2pJcjVoRzJtVDBNcWpEaw?oc=5) · crosstimbersgazette.com
- 2023-08-02 [New Name on UNT Football Stadium Inadvertently Pays Homage to TCU - Fort Worth Magazine](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNaUZjVUlVSGQ5UHFXZnJxdktGMWhlaVg5YW1jZFU4alNwMGlqOVJLaDZ0ZWt0VTNlOEQwdjM5MDhUS1FpSGRKNGNYalpiNzFuTThWYm1odmRrRFpfN2JYMlFMNlFvQXJVYnRLSlpfUFkyUU9OdTEzQWJtRGNQT1JnbHV1QWFSTEI1MXpF?oc=5) · Fort Worth Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67535 (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/15.json (key "67535", 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=67535
- 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