# POSTEL FAMILY
Wichita Falls, TX · NCUA charter 67554 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/postel-family-67554

Who the members are: state charter, organized 1929. 5,826 members of 165,612 potential (3.5% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *too clean*. 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 | $83.0M |
| Members | 5,826 (0.8% YoY) |
| Full-time staff | 23 |
| Net worth | $9.3M |
| Net worth ratio | 11.2% (p33 of band) |
| ROA (annualized) | -0.01% (p13 of band) |
| Total delinquency | 0.08% (p10 of band) |
| Net charge-offs (annualized) | 0.53% (p72 of band) |
| Loans / shares | 54% (p38 of band) |
| Cash / assets | 38.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.79% (p56 of band) |
| Operating expense / assets | 4.89% (p86 of band) |
| Vehicles % of loans | 36% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p11 of band) |
| Vehicle NCO | 0.69% (p74 of band) |
| Repossessed % of vehicle book | 0.17% (p89 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 31% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 25% |
| Average share balance | $6,885 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $15,995 |
| Loans granted, annualized | $15.2M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, delinquency 2x band, charge-offs p90, repo signal |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 5 | losing money |  |
| 2016-12 | 2 |  | thin capital, delinquency 2x band, losing money |
| 2017-03 | 5 | thin capital, losing money, assets shrinking |  |
| 2017-06 | 5 | net worth falling | assets shrinking |
| 2017-09 | 4 |  | net worth falling |
| 2017-12 | 2 |  | thin capital, losing money |
| 2018-03 | 2 | losing money | charge-offs p90 |
| 2018-06 | 2 | assets shrinking | losing money |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 1 |  | repo signal, delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | members leaving | assets shrinking |
| 2019-09 | 2 | repo signal |  |
| 2019-12 | 1 |  | repo signal |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 4 | net worth falling, margin squeeze, delinquency rising | losing money |
| 2020-09 | 3 |  | delinquency rising |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 1 |  | members leaving |
| 2021-06 | 0 |  | margin squeeze |
| 2021-09 | 1 | delinquency rising |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | delinquency rising |
| 2022-06 | 1 | net worth falling |  |
| 2022-09 | 1 | delinquency rising | net worth falling |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 1 | assets shrinking |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | net worth falling |
| 2025-12 | 1 | repo signal |  |
| 2026-03 | 2 | net worth falling, losing money | repo signal |

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

- 2020-02-21 [Postel Family Credit Union becomes oldest state-chartered credit union in Texas - Texomashomepage.com](https://news.google.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?oc=5) · Texomashomepage.com
- 2025-09-11 [TruStage Marks 90 Years With Celebration, Tribute to First Credit Union Partner - CUTimes](https://news.google.com/rss/articles/CBMitAFBVV95cUxQcHBzWlh4MXEzSTV3ZGlqbEpqZ1JsZWZTQV80am1abE1xU3JrcWRiT05LWGc5NUE5UFppMmJLYnBKdlZ2WHI4Z1JySWdCbzJad2FWanpCLWxFTzJUQXpEQzZ1elRqTUtDMzV0dF9qSFNmcUNkVEx3eS1Hc29HV2ZjNXVmUFdLY3NfRFp4Z2xER2RfSmpneWV4M2Y5UHRUcUg4ZXFUa1B4MHNvMXIzaFpzTnRWRVo?oc=5) · CUTimes
- 2018-03-15 [Beverly Ritchie Obituary - Wichita Falls, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPaWpLRndXak1LLVM5aWNEUFZ6R20wa1BXd3U5aXFZcUxudVZpd0pOVW5BWk1VQWxHV3N2Rm54QW11aHZVbG90VWU5YnJuLXJRMXlkSDFoYllpc1NNdmp4OG05Sng4WmpOazNqRzduVFpQMVVPVDNjelpRYjFtRXJYN3NfVVRxNjZvQVNv?oc=5) · Dignity Memorial
- 2024-02-26 [Becky Alexander Obituary - Times Record News](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5IeF9fbUtYb3QxMDlwSnZiRGM5VjN6cmJzS0l4ejVhbHFhbHozN1RVdjRhQVJfOXp3RjRZODIwWTRlQ3djd2hVRUJqVnl5YmtwUkdxNnMxdlVWaHlXZ2EwSzJ3?oc=5) · Times Record News
- 2017-03-24 [Matter of Record ( March 22, 2017) - Times Record News](https://news.google.com/rss/articles/CBMitAFBVV95cUxPNzVEX1JIMVlSb2tlaVNHX1A2all0RTBLVV9mb2hqcTJKSmJwdFNIUDQwUEl6UVhFaGtONjJCQVdkbHVkYVBCWFN1UGFxY0plYWxkNDZSSktfRG9DVGVOYjFOTkRtWnEwREVodUNXQWFFOGZtbi1UMW5yRkk5VFcwWUUwNVJlbkZpc2tmaWp3dnNTaG5xS1dJRlM5UDZmUmMzVTR2Vkt5NmlZVzcyTEJhQTgtYkE?oc=5) · Times Record News
- 2017-03-02 [Matter of Record ( March 1, 2017) - Times Record News](https://news.google.com/rss/articles/CBMiswFBVV95cUxNWG92dU1LMmIyU0EyeU40V3hrRmxuMVgxb29rS0NjZ2NDSl9FSmF4NHlDZ2JzYmZuWmk2UFJXOTJsYW0xNnQ3WHVJOVVuUFRsR3FIaHhKN2ZNYWw1S1NNc25KRU9zVk1FZjk4Wkx0OU1PR1FuUlpyOGFoN3dtcXhlX1NWbnBYNmF3QWk4bHdEV1dtTFltNE9OdUY0NEFpNUZiVGRQWkgtMk9FSk16RklTeUtzQQ?oc=5) · Times Record News
- 2022-04-04 [Kenny Dale Knox Obituary - Times Record News](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9wMHFzMG4yMlVaazRpaE95ZGhfdmw0MHRINFdkZ0xnWHVscS1vOWViaWZjTzFKZzFnb09MekF5bDkzSEJ2ejdsOFhUTGNiejZCX2RHaG1WSDN5VERSRWI4WnZB?oc=5) · Times Record News
- 2017-02-09 [Matter of Record ( Feb. 8, 2017) - Times Record News](https://news.google.com/rss/articles/CBMisAFBVV95cUxQbXlKTEVSRDJLc2Z6SWk4aktEMlFlVHdTY0RyUUZnQVRSQzhJQW9tZ2ZtNGtPRzAwTEVnVnpCYkxlbDJiWk9JdGpMc3JjN3NiSHd2Q2RtMzJtb1BaYTEzVHlTMWdSWjFzbzVGYjRNb0FNQ2tLVWloUjBQMlE3UmRjR0hlakpoU2xvNUxWQndkQzZpTFNaWEluOHhqU0JZM2JYZEwtSFQyaDhyNzJ3SE5FNQ?oc=5) · Times Record News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67554 (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/34.json (key "67554", 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=67554
- 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