# TEMPLE SANTA FE COMMUNITY
Temple, TX · NCUA charter 67573 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/temple-santa-fe-community-67573

Who the members are: state charter, organized 1954. 1,672 members of 402,250 potential (0.4% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *ordinary*. 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 | $24.7M |
| Members | 1,672 (-0.7% YoY) |
| Full-time staff | 6 |
| Net worth | $2.1M |
| Net worth ratio | 8.3% (p7 of band) |
| ROA (annualized) | 0.19% (p32 of band) |
| Total delinquency | 0.13% (p27 of band) |
| Net charge-offs (annualized) | 0.07% (p57 of band) |
| Loans / shares | 61% (p55 of band) |
| Cash / assets | 18.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.64% (p40 of band) |
| Operating expense / assets | 4.08% (p61 of band) |
| Vehicles % of loans | 51% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.15% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 12% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 20% |
| Average share balance | $8,346 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $13,987 |
| Loans granted, annualized | $4.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **margin squeeze** (`earn_nim_squeeze`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, charge-offs p90 |  |
| 2016-06 | 2 |  | charge-offs p90 |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling, members leaving | losing money |
| 2017-06 | 1 |  | net worth falling, members leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 | net worth falling | delinquency rising |
| 2019-12 | 4 | losing money, members leaving |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 7 | capital below 7%, margin squeeze, delinquency 2x band | members leaving |
| 2020-09 | 2 |  | net worth falling, losing money, capital below 7%, delinquency 2x band |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | capital below 7% |  |
| 2021-06 | 5 | net worth falling |  |
| 2021-09 | 4 |  | net worth falling |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | margin squeeze |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 | assets shrinking | capital below 7% |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 3 | assets shrinking |  |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 3 | assets shrinking |  |
| 2025-03 | 1 |  | delinquency rising, assets shrinking |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 2 | net worth falling | delinquency rising |
| 2025-12 | 1 |  | net worth falling |
| 2026-03 | 2 | margin squeeze |  |

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

- 2022-12-18 [Robert Gilmore Obituary - Temple, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPczAwNTJEUFhJNFBTZldTb3ZGY0RvMm5IcGQwTkl1eWhiUVE2M3Atem41YzJmRVZzckZUNDlpVWRyOUx4T0FNSDl6OXRsdm9yR3BEQTVBTjZwUkpkNm11em9DYlFVdjZkeDkxaFpuZ2lRYWNUcWRnRHpsZll3dDFSWFV3?oc=5) · Dignity Memorial
- 2019-05-15 [Guilty: Waco man enters plea in armed bank robberies in Temple, Hewitt - kcentv.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNWkstUS1TVXYyV3dNS1pDSy1tWGpfdUtyN0V0N2tEcmRaVERWVzV1UnM4QklkVzY2emppYkxodXNwdThlSWxoOHppaWRDeDdMbklQTy1pRk14aDktYlBmdE1aYkU0T2Y3SXNmUDRRWUhOWEZ3X2F3NXhaRE91ek5JdjBFU2JiZWNkaEY1MWdtRUpielRldlJJOVFyb3l2ZXRkOGU4cmF4alhCSGNRZER3aV9WaXRzVHkwQW1hc3V3ZGpwN1I5eGxFU0F1eDM3c3dsei05RFNnNlpaQUlq?oc=5) · kcentv.com
- 2016-11-23 [Temple Police, FBI looking for man who fired shots, robbed bank - KXXV](https://news.google.com/rss/articles/CBMie0FVX3lxTE5uNkJkYWZ5eDVWZHdaeDlBYWJoMHRxSUc0YzNBMFFUeVRmYkRDVjdIeVFtUnNkRklOWEZNX192YzlIdzdLWnR6SkdkYW5XbzV6WFRNRkVUZE8xbnRBVUZRV001OTY2MkZ4eXdRdW9CVHdibUxUb3M0MnBkNA?oc=5) · KXXV
- 2019-10-31 [Waco: Man who robbed banks, shot officer, sentenced to 3 life terms - KWTX](https://news.google.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?oc=5) · KWTX
- 2015-03-12 [Texas, Arkansas bank robber gets 40 years in federal prison - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMioAFBVV95cUxNdEI4OGNhZ3Myb0hrM0VpaEVHU0JRSXRTbFZ2Vko3S1phem84RWVvVHJHUnU4NW1oQkVCcDlUUk1pbTRtV0lZenZqMExDMmdnQ1NQY1Y2Yk40WEFKZ0FuV0xrUDNLeE00TnlYRGR0RVplclBKWlZSRTNMZkNiT2dmQVF2ajR0Zmp1Ul9GVnFJa2huSWJLMnptTUxQZEVGNXRF?oc=5) · The Arkansas Democrat-Gazette
- 2019-02-12 [Alleged gunman in Hewitt bank robbery faces several charges - KWKT - FOX 44](https://news.google.com/rss/articles/CBMirAFBVV95cUxOeHlRbnBha2dKX1hNV2l0Z1IzZzNVX1MwRDVCUXVfNFZELWMwRHp1MHJ3UE14dE12NHNqcVZpUS1UOHc0ZVNRakJuOTNETFN6b2dJMWhhNVBacWxKcmpZMXVfY1l2N3JFWE1iNTN0anU5WVRTWkg5NGd6dFJpcmZibkp2SllIdVQ4T1ItWlQyalZ2Y25nWFl2V0YwamZUdlZ0NGtxUnU3TktRTmJO0gGyAUFVX3lxTE90NTFUQ29HcE1FQ3BMYjFxT2Ric2VsV0hEU2E2ZTAtYURORmpUUjlQdDVsQk1fNTNFZXVYUVF1a19JNFBzaG1iUHlKSjM0Q2Iwcy1zOFpNYldQejZpSmRodnpKWmVEMzZnNHZhYW9mRkJmdHVMbUZuLThuSjdldU5ybGswRXdQd0VCMUd1TlltUzVDMk9fUUJOZFY4a2JITkx6RjlyZGJoenN5aDdScU9NbHc?oc=5) · KWKT - FOX 44
- 2019-10-31 [Man who robbed banks across Central Texas, shot at Hewitt officer sentenced to life - kcentv.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNeVl4aFNucXRMcDJ3ZzROVi1FNlVseVNSLV9qQ2QxbDhoelE4VWQxWGVhaUhTTkVzUFVyc05Gc1NTYVdxOG5VVkxDakhXcko4WENUUHh2M2R6NkpUcHZuc3hPdW5KRkhrYmZjNjRGMnA4SlZEcjBzT2NxUWFyWG5YaDZrRmRsU2loVkowY1JFTkgwbXo5emNmRFFJQjBiWnM2czA5V3pmakdjeXJGdnMyNXQxV3BIU3UzNWJYWXAxcktCY0I1di0zQ2RVUDJTSHliSlJVREJySXZYLU1zQlc2VlRQVjJDZW9I?oc=5) · kcentv.com
- 2019-10-31 [Waco man sentenced to life in federal prison for armed bank robberies in Temple and Hewitt - KXXV](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOdFNtNlBpV2lBNzdWQklNaHBiMUhFaHRjaEF1NWs4bVY1dTNTSGUxdDBKOUdSYXJ5R0J6V2RvbW9FbXNaRzVfdHl6T0hRRnI1MHdiQnYwU0VzNTY5QjBqT2NScUFLU21SVEY3ZVpuRURVTEtKNTAteDU0cC15R0FHU0RIbDhHRnNRRjQ4emlJNnJBRk9GeFFIMXZBdGZKbFgyNzI3dGZ3TFFEWFBPUFhZMThxblhQQnVPZk5FWHBhQm0tU0h6d3JoaC1JU25iWF9hamc?oc=5) · KXXV

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67573 (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/53.json (key "67573", 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=67573
- 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