# UNITED
Tyler, TX · NCUA charter 67587 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/united-67587

Who the members are: state charter, organized 1932, low-income designated. 2,088 members of 300,000 potential (0.7% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $30.0M |
| Members | 2,088 (-6.0% YoY) |
| Full-time staff | 6 |
| Net worth | $2.1M |
| Net worth ratio | 6.8% (p2 of band) |
| ROA (annualized) | 0.68% (p55 of band) |
| Total delinquency | 1.38% (p69 of band) |
| Net charge-offs (annualized) | 0.17% (p63 of band) |
| Loans / shares | 65% (p60 of band) |
| Cash / assets | 17.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.63% (p11 of band) |
| Operating expense / assets | 2.86% (p28 of band) |
| Vehicles % of loans | 55% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p86 of band) |
| Vehicle delinquency | 0.58% (p54 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 22% |
| Average share balance | $8,051 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2,738 |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $18,914 |
| Loans granted, annualized | $7.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2,738 outstanding purchased (0.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.6% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2026-08-13 [The Best Credit Unions Of 2025 - Bankrate](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5ib0NLcS1PRHlua25MWkZkdDZ4bkxOeDZWZHlHenRLeTZjV0p3LW5OSUFOZ0QwQmpwZDJMMGdsQ3NFR25GeVNic0F5bnkzNHdLdTNxQUpWYXlmcEZiQ2lscVBn?oc=5) · Bankrate
- 2026-08-25 [AEG Presents to Open United Heritage Hall in Austin, TX in 2027 - Business Wire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQMVNwem0tUTdSM21WNzdZX3VNeFFHaE5EMUpMcVJXNjZyX2JnR1RKcTVTS1Rxdm1IQ2Q2ZGprazBrYkhvVk1SN0ZPOWtBV2xseUg3dEN1QkIxZ0JfV0xwdW0wZ2ttUlhGOXJFeTFCeU4yVUVIS0dYNXVFVTlTQXp6elNGX1hNc0xNdEZlaHRYUWNST0h1RWRrSzE3MmdXem9VUV9rOUdtQ2k4UnVRaTQ3WTZzQmJTcEc4bjZv?oc=5) · Business Wire
- 2026-04-08 [United Heritage Credit Union plans second Georgetown location - Community Impact](https://news.google.com/rss/articles/CBMirwFBVV95cUxPc3IwZF9RUktjbmxUcFUtMlg2anhHcS00VFpMbW5SOU5SYk82bGlsaDFWVFhVUG9HWG9EV2Ewb19Qc0V3NVVhdDExYWFZbTBYQmhTamFRQUtDaTl6b1dEVk1SZVZQX2hMU240VmdRVUpMWDR0eGFIQUxiRWZscHBKUUdmSWxpLVRfZzN4ZS1kZW5RSVpoWDdPVWNrZGN1TjFJN0tZY2VsYkpqc2VZVU1F?oc=5) · Community Impact
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- 2026-02-23 [Jerry Clerveaux, VP of Consumer Lending, at Raiz Federal Credit Union, receives prestigious award from the United Negro College Fund National Alumni Council - CUInsight](https://news.google.com/rss/articles/CBMinwJBVV95cUxQeGdXMzFFNzlLSXFhRGsxQWlGRlgwanBJaEZMekpzekhrT1V2U0JfVEJyN3pHZ2VWYm1kNWU0UzgyQ1JfQmxpNmN4TnN3WXhfN192bDQtT2paTWEwejVvRWdsX1R2V3hqdm03UjNmWkg3WnVoMEV1Vm5GaGUwbXNYdEZ0dUdOTGFHTTJXekFybnJJSlFfWWVicVZ5WjcyQkwtUDBJTlFfTVdmVUVTVFd3SjVWZzNET1ZfN3UyN3FVZXpjZVk5TFZNak5TOHpzWUVWZFZuNFk2Rk5CN1B2dEc2cUZEdEk3RUZfdUlzenJIZFN5TUx6VTdPTjNtQ3JNd2o5Z0p3LUFxLWY5Ym5xOG9UcWhFdmZhZHVoVGhNTk9Idw?oc=5) · CUInsight
- 2025-12-31 [ALLIANCE Credit Union merger effective January 1 - KLBK | KAMC | EverythingLubbock.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPSm5UNXhIaUU5WDBjSU5KM0N4OGVlbEhYNmNuN1laRS1zWUlkdy0wUFpnaVZfOVV3Q0h3WndVcDZoOFRMQjJOc2h3QkFYa3FlUVljaEUwdE1nSDd2TndYSmFyRWhNWUxuZGI3U183SmYzSGFRVUxQUU5EY1lreGY4VURBampWRVc4ZEtPSDBmU1I3T3VyZzBZa2xDaTd5OHJG0gGmAUFVX3lxTE1oMkd6TWdrOXV6bGhfU1hFREhHRTdMYjZUX0Y2Ukw1TWVrTjI0czFpRkptdmVacjl5RG9UN1VjUGVIVmZDNnNjaVNXaHpORVVhc3ZoQUgzTk1ydnNXczZwR3EwanFmRmN6YkVwMHIzU3BRZVQyVmh6dWVSVlRxTFI2bUlmSVRoYmVTdU1PdGdEUDRmWjg0TUJHaTNsZS04MWUtNWRhM3c?oc=5) · KLBK | KAMC | EverythingLubbock.com
- 2026-04-02 [3rd Annual Goat Yoga fundraiser for the United Way of Lamar County - MyParisTexas](https://news.google.com/rss/articles/CBMilwFBVV95cUxNcGgwU2xVb2lmek1YYWxPSmtVbDY2eWxFSkJyT3ZHc0R3ekw1NTVzSDhUbzVTcXJjNEJtVTZ2MHd2aWowOG5aSGxUTXhoM01rbDhUX28zeTc4d21NbWY4cV9BZEhWb2VvM2Y0dG9QYnRfYTBJUTZaaFk3LXhqWDVPMGtCOWp4VnRRckZEVy14UV83WUFLUjVF?oc=5) · MyParisTexas

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67587 (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/3.json (key "67587", 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=67587
- 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