# WEST TEXAS
Odessa, TX · NCUA charter 67592 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/west-texas-67592

Who the members are: state charter, organized 1953, low-income designated. 5,135 members of 138,000 potential (3.7% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $70.3M |
| Members | 5,135 (4.4% YoY) |
| Full-time staff | 21 |
| Net worth | $6.5M |
| Net worth ratio | 9.3% (p13 of band) |
| ROA (annualized) | 0.10% (p17 of band) |
| Total delinquency | 0.77% (p59 of band) |
| Net charge-offs (annualized) | 0.05% (p25 of band) |
| Loans / shares | 61% (p50 of band) |
| Cash / assets | 34.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.10% (p73 of band) |
| Operating expense / assets | 5.39% (p91 of band) |
| Vehicles % of loans | 76% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 28% |
| Third-party paper % of net worth | 123% (p88 of band) |
| Vehicle delinquency | 0.59% (p51 of band) |
| Vehicle NCO | 0.42% (p62 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 12% |
| Average share balance | $7,215 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $13,559 |
| Loans granted, annualized | $12.9M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, auto monoline |  |
| 2016-06 | 4 | charge-offs p90 |  |
| 2016-09 | 3 |  | auto monoline |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | net worth falling, losing money |  |
| 2017-06 | 4 |  | delinquency 2x band |
| 2017-09 | 2 |  | net worth falling, losing money |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | losing money, auto monoline |  |
| 2020-06 | 3 |  | losing money |
| 2020-09 | 2 |  | delinquency rising |
| 2020-12 | 4 | net worth falling, expense trap |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 5 | losing money |  |
| 2021-09 | 3 |  | net worth falling, losing money |
| 2021-12 | 3 | losing money | auto monoline |
| 2022-03 | 4 | margin squeeze, members leaving, loan book shrinking | expense trap, losing money |
| 2022-06 | 4 | delinquency rising | thin capital |
| 2022-09 | 3 |  | delinquency rising |
| 2022-12 | 2 |  | margin squeeze |
| 2023-03 | 3 | thin capital, expense trap, charge-offs p90 | members leaving, loan book shrinking |
| 2023-06 | 3 | assets shrinking, auto monoline | thin capital, charge-offs p90 |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | delinquency rising, assets shrinking | expense trap |
| 2024-06 | 3 | expense trap | assets shrinking |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 | 3rd-party paper>100% NW | net worth falling |
| 2025-12 | 4 | delinquency rising |  |
| 2026-03 | 4 |  |  |

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

- 2026-08-26 [GECU opens its doors in Lubbock, strengthening its commitment to West Texas - CUInsight](https://news.google.com/rss/articles/CBMitgFBVV95cUxQaGdUY2tVbktyTTl5ZlptNmdmUzM3cFhsZ0p5Tm9GOVBRbmkycDYwam9CQVh5NlpBMXozV0ltZHNaLVJENmktblBMUmxDVXg5QllFRjNZYTVVWUJkOW54X0E2M0I0d0RWSDRaYUd5cy1peWVvVTVLRWQ2Q1M1QVBNU092LS1VTmlvVnFKVFptMWhyNklxcDdwWEF3RXZpUHBzM2c2cV9aYnFUa2VpMTlNNUd1NDUtdw?oc=5) · CUInsight
- 2026-02-20 [Show us your West Texas! - CBS7](https://news.google.com/rss/articles/CBMicEFVX3lxTE95Skg3RUZ5M2lvRUhUUUxuR2dYUUN6eVNlYXp0cm5rMWZvNi1yZzg0MHZ0WHI0UXFUd3ZKV2psbGF3TGF6d2swYTRWczhXYU5hLTdLU2JINmNHaXNjOUFIcVNLNGFJT0xGVEZWZWNQN3LSAYQBQVVfeXFMT0llSUF0Ty1VRTB3YWtianU3cGpNZVhFUFRJV1dSbFQtakc3b3VJTmx3N3gyS05QSmRFWjVCU2hxVURjaC00WGczWDVnS1llUHh3RHBXeGVKMW5qTHdtMUFNYTNLekFOLVNhYW45SHlBQXFTUkExcWo4OW9FZmsxVlFQRG9G?oc=5) · CBS7
- 2026-05-20 [Angelo State 56-19 West Texas A&M (Nov 16, 2024) Final Score - ESPN](https://news.google.com/rss/articles/CBMiigFBVV95cUxPMG42bktpUHA1emczZk54MHd5WmNDbUJBbkdYYVB5M1B2SEFXT2cyNHpPZ2xqTG5HY0F6TkJBUmxYdlFVVXREeVRLNXl3LXhTMnVaWmNSRm5YUEZBWE9iS0hpdVFEV2RsRDExR0p0UTRodFhfNzlHWTNvek9aRUFMajM1RURCdE1xRWc?oc=5) · ESPN
- 2026-05-07 [Treaty Oak Revival Plots Second Leg Of ‘West Texas Degenerate Tour’ - MusicRow.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPdW1RamlnUFUzcVJ5LVQ0bnhnMmhjdk9oMS1xeXQ3Y1RUR3JKbzFJQUNuVkktZmF1MjRUZzN6YzQ5eEdzUXUzaGtackNPMmJac0FUNURKZ1dxWVFqMVAxbUN2UnhCNlRlamhna2lMSDM5d2tMcmdpWWhSY1VSZDVUMTZZSmJlMUF4SWxIRG9tV010TUhEcC13dlYwUQ?oc=5) · MusicRow.com
- 2026-05-07 [Treaty Oak Revival Expand 2026 "West Texas Degenerate Tour" - Consequence of Sound](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQU9FX3NMMlJ5aUF1WVI1QXVxLW9wcjFWb1doa1U5OUhydVdNeEQ2M0g0NXdIQmVkZGpPTU82UnJydzB6V0R3YzA1WUxwSUhONkFZSXZwZS0yX3lvLVBwSm03Y1kySmVpZEREbkF5WFByaUhVZkNmTm96QVZnUkEtVjV6N29GdVpXelY2NFZB?oc=5) · Consequence of Sound
- 2025-12-31 [Lubbock-based ALLIANCE Credit Union merges with San Antonio UTCU - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNVjNsQ0x6cUtXYUpzWkNiZXF3Uk84U1FUNC1pMW9mbTVDek0xc0VsWFNkY2lpMU1jSFdNNnozc0x1RVZNM0hYYXVkTTVRYnpNQXIxa3Y5djE2YTRYbldfNXV6MmlLdVRORTFCYVR6ZmZyU1hxaVBZbmdJT2ZzeWpodkVjWWg0Z0hNaXdNOW9lVW9hcG5KMF9xRHN3cUZ4SkFic0pIWEFvUkszMnZZNlgxeVNUMFZLYlhHQkIyZGNqMTRQQTBDSks1QlNOdXdrZTlUSnF4VlZXOHUyWlhOaHc?oc=5) · Lubbock Avalanche-Journal
- 2026-05-14 [Treaty Oak Revival Announces Additional 2026 ‘West Texas Degenerate Tour’ Dates - TicketNews](https://news.google.com/rss/articles/CBMiswFBVV95cUxOdVc4YU80Q29LMWZqTVpiY3pSUGZpM3U5QjZQaTNKLW1nWUl1aHJkbGlnQ29RLTdDZnp2MDR4ZF9aSG9aRmxwR3g3WEtuNUM1WVp2clRuNFRGNjA2empEZDRPY3RNM3F6ZGlmVHRYYXZFWXgtWnVNa3hKMDBTWnYyZlZVbUxRQ3IydkNMck13MU0yal9GRC1qUWNwcVJ4UlpYSkRyQllKVnB2T0pIMXBFTHNZdw?oc=5) · TicketNews
- 2026-06-03 [West Texas A&M Announces 2026 Football Promotional Schedule - West Texas A&M University Athletics](https://news.google.com/rss/articles/CBMioAFBVV95cUxPT3ZxU2VHWEg1YzRsN1VDcGVjWFYxV0F5VTJzVGFIUnpXMU5rMTFUUlhqSWRBSVQ3VWdac3hBQ3Rpd253YkFXSlQ0Wkd2MWR2ZnBmZ0ZLeGtmaHEtMWVOcTVZbDlvci1OdGRtbVNwQzlJSlRseFFjQ1drb2RjU3Q1UGJjNUdZenRTZW81dWZhdFBPYmhmcXctMkJhckdreE82?oc=5) · West Texas A&M University Athletics

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67592 (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/8.json (key "67592", 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=67592
- 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