# TEX MEX
Laredo, TX · NCUA charter 67579 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tex-mex-67579

Who the members are: state charter, organized 1953, low-income designated, minority depository institution. 2,228 members of 5,000 potential (44.6% of the field); checking penetration 7% (share draft accounts per 100 members); loans per 100 members 34.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.6M |
| Members | 2,228 (-6.7% YoY) |
| Full-time staff | 6 |
| Net worth | $2.0M |
| Net worth ratio | 23.3% (p83 of band) |
| ROA (annualized) | -1.42% (p8 of band) |
| Total delinquency | 1.25% (p67 of band) |
| Net charge-offs (annualized) | 0.19% (p64 of band) |
| Loans / shares | 70% (p67 of band) |
| Cash / assets | 46.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.06% (p87 of band) |
| Operating expense / assets | 7.21% (p94 of band) |
| Vehicles % of loans | 43% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.00% (p65 of band) |
| Vehicle NCO | 0.66% (p83 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 33% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 33% |
| Average share balance | $2,678 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $5,943 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | repo signal |  |
| 2016-12 | 0 |  | repo signal |
| 2017-03 | 3 | losing money, expense trap, assets shrinking |  |
| 2017-06 | 2 |  | expense trap |
| 2017-09 | 3 | expense trap |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 0 |  | losing money, assets shrinking, expense trap |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | expense trap |  |
| 2018-12 | 3 | delinquency rising, loans>95% of shares |  |
| 2019-03 | 4 | delinquency 2x band, repo signal | expense trap |
| 2019-06 | 3 |  | repo signal |
| 2019-09 | 2 | charge-offs p90 | delinquency rising, delinquency 2x band |
| 2019-12 | 2 | delinquency 2x band, delinquency rising | loans>95% of shares, charge-offs p90 |
| 2020-03 | 5 | net worth falling, margin squeeze, repo signal |  |
| 2020-06 | 4 |  | delinquency rising |
| 2020-09 | 7 | delinquency rising, charge-offs p90, loan book shrinking |  |
| 2020-12 | 6 |  | delinquency rising |
| 2021-03 | 6 | losing money | repo signal |
| 2021-06 | 5 |  | net worth falling |
| 2021-09 | 4 |  | losing money |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 | net worth falling, losing money, repo signal | margin squeeze, charge-offs p90, loan book shrinking |
| 2022-06 | 1 |  | net worth falling, losing money, repo signal |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | assets shrinking |  |
| 2023-03 | 4 | expense trap, charge-offs p90 |  |
| 2023-06 | 4 | delinquency rising, members leaving | expense trap, charge-offs p90 |
| 2023-09 | 6 | losing money, expense trap |  |
| 2023-12 | 6 | charge-offs p90 | delinquency rising |
| 2024-03 | 5 | delinquency rising | losing money, expense trap |
| 2024-06 | 5 | losing money | members leaving |
| 2024-09 | 4 |  | delinquency rising |
| 2024-12 | 6 | expense trap, delinquency rising |  |
| 2025-03 | 6 | members leaving, loan book shrinking | charge-offs p90, delinquency rising |
| 2025-06 | 9 | net worth falling, delinquency rising, charge-offs p90 |  |
| 2025-09 | 7 |  | net worth falling, delinquency rising |
| 2025-12 | 8 | repo signal |  |
| 2026-03 | 7 | net worth falling, margin squeeze | delinquency 2x band, charge-offs p90, repo signal |

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

- 2026-09-09 [Target, tacos and other Liberty-Hill area business trends to know this September - Community Impact](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPa1YyZ0RPV3RHSlhjOG5qLXJEUHkzTWIxM0o1RzNjT2ZST3V3NFRTV0RsM2Y0NHItN3NoTGFKSUhUSVgyTUJ1cFRYclZIMWFzUlJyZ05ITGZXNzBmYk5raG5KRGEtWU1WOHZObm1CV1M5QWh1b0VibzZUVlVMYi1PMVdJaXdqTlJaSW1NOWtyOUZ1Qnc2RXo3QWxWYk85WnprSjJYSER4ektrUjlPNWQzUW1nRi04V05CNWZRb2VwblBONWhScVhGaG15MDhxRUl1a2VhSQ?oc=5) · Community Impact
- 2026-03-13 [How Amoco Federal Credit Union's CEO grew the financial institution to $1.5 billion in assets - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxOSGpjeDgyLUg3WXZjNUtUSkpzMnZ1aDZ6dE5CYkNCLUFBcUhnUkhDSGlqNUM3MERLZ2pDNzZKRXhSNE9ER0pIZDdSNjVfLThseFhpZFNmNEJra0tTMnR0LXhaekdkN3Nmb2RwX21LMzZZMGd5cHdRYWJ5SVZTSFFJLWc4dGh5TXBSVkl5eVo1aXZKblBXREs1N3drdGNXdw?oc=5) · The Business Journals
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- 2026-02-06 [McKinney moves forward with affordable apartments, RISD to invest $86M in CTE programs: 6 Dallas-Fort Worth stories - Community Impact](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQNEZRa3lPRGltQllKMzB1WG40TjROcVFaWlRWek1JZTJnUC12MWJVR291UFFOMmYyYVBac1BzWmZPaWFQdmxPdWdQUm93RHVfNDJ3Tjk3QldoTnpDSkFDTHBNWlU0T1dqdlhLTWp1UHJCS0ktWUM1djFOT3pwdlNabUtnZHdwQnVCZ3BpWWtwZmRhNk4ybTUycm91MFdQbkduSi1zSzJzb1UweXNKbGh3RGJQdlJqU3E4blVpbGY0N196R3F0eFIwZFpLYWpCQWE2YWI2MFZ3TVZiUktLNkZnWEtOYXBmZzBSUWZKaUs4RWQ?oc=5) · Community Impact
- 2024-04-10 [10 Most Respected Credit Unions in Texas for 2024 - CardRates.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQdmdyUHY3bDVYNWp0RVNuY2l3bkNRdVF3UzNjSUZZSDd4X29CNlNZNzVWbkI3dWFEODdqWGpBWGtLYzA5UkppRFJ2cUNCdjNtUUlreklsS3dNNGNOdk12cWxLLXFKd21hcjdLeGJsSFlqZDJJRWtBS1RBQjJISEs0eDJaREhUWGpQ?oc=5) · CardRates.com
- 2025-10-25 [New Tex-Mex restaurant in downtown Sumter open - The Sumter Item](https://news.google.com/rss/articles/CBMihwFBVV95cUxPeEpUZm41aTY4Ty1xSC1kcDlYLUIyeF9xcjg1cEJNQjZXNVc5aEdxT2xFUE1UVUxHUUFJQmFvYTRuV2dUUk5MX3FPZzBCNkR0RzNMMWJCdHFnb2JtRTVxSXk5RVh4NGZCaXJJeW1aLVdmN2FYQ3NveTAzRzZ4U0JMdWdDeWxmeXM?oc=5) · The Sumter Item
- 2023-04-29 [United Way honors volunteers, announces $3.58 million total at 22nd Victory Celebration - Amarillo Globe-News](https://news.google.com/rss/articles/CBMizAFBVV95cUxQWEhLdDMtcW1FN0FmRXo1Nmh3N1k2bXVzOWN3bVFBUkNQTjliSDVyOFREQzU0d2xidERJaTZhdHA2c0hEZ2hMYUpxeGR1ZjVhTEM1VUVHb1JLZXRFQ1pBLU0zdFBjempBZFczZmIxUlhpeFVieUcyOXk0S3Zyc2ZFTmVYUjBUT3M3UXNEUG13SWs0dWZ3NUlvQngtLTR3cTNtMFZjTTNzT0tyR0VKMVFLT3VfVjB2MDRNRGRKV1p4dFVXQU9faTBjWnVGZ1A?oc=5) · Amarillo Globe-News
- 2025-07-15 [Heart of Texas Readers' Choice 2025: Here are the winners - Waco Tribune-Herald](https://news.google.com/rss/articles/CBMijwFBVV95cUxPRlRfU0xpMHpfMmlISDgxb1RmT2FuR1oyMllPczFrQUU1MHFGMHRmLXVsLTkzRDNDRnQ4RjgxNlZlSlNKbDNZUVY0WERWeVhlVWFmSGpsN3pYSlkxNmRzVm5LYTRfODJHelFEOXZyVlItczZoVW0xYTQzS0JONHpicmQ0ZVNNR1FVQzYyWWpaOA?oc=5) · Waco Tribune-Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67579 (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/59.json (key "67579", 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=67579
- 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