# BEAUMONT COMMUNITY
Beaumont, TX · NCUA charter 67574 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/beaumont-community-67574

Who the members are: state charter, organized 1956, low-income designated, minority depository institution. 3,407 members of 15,000 potential (22.7% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $36.0M |
| Members | 3,407 (-10.6% YoY) |
| Full-time staff | 8 |
| Net worth | $4.9M |
| Net worth ratio | 13.5% (p41 of band) |
| ROA (annualized) | 0.12% (p29 of band) |
| Total delinquency | 0.20% (p31 of band) |
| Net charge-offs (annualized) | 0.88% (p84 of band) |
| Loans / shares | 38% (p22 of band) |
| Cash / assets | 63.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.41% (p8 of band) |
| Operating expense / assets | 3.88% (p57 of band) |
| Vehicles % of loans | 70% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 3% (p88 of band) |
| Vehicle delinquency | 0.27% (p43 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 32% |
| Average share balance | $5,409 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $8,434 |
| Loans granted, annualized | $4.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2024-08-22 [Pay it Forward | August 21, 2024 | Sponsored by DuGood Credit Union - kfdm.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPclNGN0k2ZEpWenp3MExVcnM2Vm45ODA1eFFVVkJPMFlXS0R0Nk54MEE3MF9XVnlkb2JWQmdlOFFQUEhYZ2szR2hhZDBzdW05SF9DUm9BVnYxSmpHeVJ5dGpyYXlGTklabjNMVS1LYWNBWVhTaWR6MFA2clJoWmMyTElfSHRLRjBOTE9wdkJkTHJQZ1dIUTR1RGEzVmI0VVM5aVhaM013?oc=5) · kfdm.com
- 2020-06-12 [Daylight Motors owner sentenced with wife, son for multi-million dollar illegal online sports gambling, money laundering - 12newsnow.com](https://news.google.com/rss/articles/CBMirwJBVV95cUxQcElGMzhQc2FhUkU3TjhxLU1WaE9GNmRvOEdLTWdOZlM2bDNkNVR4ZlF6RVhrMGFyUHVxeE1SenZ1RC1DWlU2RWNUNzBST2R1OXM4Z0NRM0ZUb18zdEZYMC1GbkR6dDhwUllBYmJhSnRjU2RXNHBWQTlpbW9tcE91TnlYczF0RjMxeE0wdm04ejBCSWp1dHlfelhPYno0djE5R0lfcHZBdGJRUExyX0JFSUJKRzkwdHA3aXZjc1MyODNrR1hndVNPOTMtTUgtMEtYUDRIcy00UVo2TXdYNlYtVHkyN1M5bTdoUkNxNGZ1Y09ELWtVNjQ0SVNOczE4Vm52Rk5HTTBmYWpaeU5aMlVMQVZ2MlZtSTBiTmpIbXI0SjUycVhYb3h3Wm41QklXMEU?oc=5) · 12newsnow.com
- 2023-04-06 [Get to know the Beaumont Chamber's new economic development director - Beaumont Enterprise](https://news.google.com/rss/articles/CBMipwFBVV95cUxOMFhHNGVGc2ZYSUVvS2pxaEZ5QklRSjdZM2c2NTQ0V05Od3RfUm5JNURyaE9GMWUyQXAtRkp1UU9nR0djNjNvc3ZQV1NYSGs2aldaVGFLMkZ6MkdhYnZvQUxPWi1UeGFvUENGOHNZcjhmVTBYckhBTmhiZ1gyclo0THE5enBDaVpUdHJ1amdzTGxQT2NZVTBUcHhoVkdFLVNLcUxVWDVJRQ?oc=5) · Beaumont Enterprise
- 2020-06-14 [Beaumont businessman Richard Tillery, his wife and son go to prison - KJAS.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNLUFHMUluR21pb2xDa3dnT0VhVjZQZjNic19hUF9CZkxGTmxPbFloR1AydTBVeUFXSnhzeWxndm9mdUM2elllVjRsaVl6Vm0zRm9CQUtSUEY5ZDFPTmNTdVpMVm5qa1R4d0h0c29DWGxkekQtRzdBZnNBUXFxWkhKRDhHTjhZMjRWTFZqLWxhVQ?oc=5) · KJAS.com
- 2025-03-01 [Remembering Lane Nichols: Family man, attorney, community leader - kfdm.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQTGdTaHlGUHBHR0kxNi1wZ1kyQWRTN1RFSElhY2sxNmJNb1V4Qm9DYWJLVXZWS3dpVEotRkwyQXFoWTZSZ0NkSHo3LXJ6TzdWbEF0cndGdXFaX1ZmTVMyU2RESTV6cXBSSUlJSy1lTWtLUGdXNzRpOGNNSEpkRnFHNXJEQU10MnVscjNES2ZfZ1ZGME0?oc=5) · kfdm.com
- 2019-06-25 [Beaumont businessman, family plead guilty to tax evasion, laundering gambling proceeds - 12newsnow.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxQeGFGTDZ1X1F3aTFsWFhuRDFTb3JJZ09PRVpJWnBUSDJid2lhcXFYa2ZpSlRNdWpwY0d2N0lvRTdLSUpBaGc0MHVBWjdXbHJhU09TTy1lODdQRFVQU0x4UktqaHZMMlBfTVVhb3Z3ajdWU29jVFRvWWVKRGEyNnZ3aG9kbm5pcHdGYm1XWnI3NERqY3RKcy1fTkhTR095SkdaU29QVDg3dVpBamRiMzNMTmxHTU1aemF1ejM0QTlkUmpwWWVWWW5SRU82UGwyODZNd0lwdmZmbkVMZXYtUF85UDB4ZTFoSVhjSjZsN0tEUlZycU9nQW5yV3V6N2I1WlE?oc=5) · 12newsnow.com
- 2021-11-04 [Former CP Chem Orange plant manager gets promotion - Beaumont Enterprise](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPcDh5SkppaTFFbDNTcjJWdjgyY2N5MnZOS09NS1I0ZEpGcGMzdl9BMWx2S21ZODA5VXJEWnFWalBOT0FyaTBNSGxPeVNlWGYyQWFRbmZESTJ5QXM2RWFGVWdLcDU0YjBaSEx4RzZNOTV4QmdrOXJnSi1SZTZJbm1PT3p1UXQ0VFpSZERn?oc=5) · Beaumont Enterprise
- 2022-05-16 [Two Beaumont educators named 'Teacher of the Year' - Beaumont Enterprise](https://news.google.com/rss/articles/CBMirgFBVV95cUxNcEJ6Sk1DVElVOGdURW9aZ1pCQW9pSllMbG5CRkhHSF8tbmU4WHFjemdScjFKNW1fd2lFS0pseFFFUXNXMHEwUnFqbzJwWG0zeWxGRm14MWVPYVJ4VF9TUldweGpJOVlaUkRCOWhGQUdLVTYwOTA2VmZ4Q3BTU0k0bjVyYXNrdzNLZWJRdjlwdTcxWGJpX2JHY0hCM0xkSzZsOTd0VDBLdXEybnlaRlE?oc=5) · Beaumont Enterprise

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67574 (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/54.json (key "67574", 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=67574
- 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