# TRAVIS COUNTY
Austin, TX · NCUA charter 67604 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/travis-county-67604

Who the members are: state charter, organized 1954, low-income designated. 3,400 members of 500,000 potential (0.7% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $42.5M |
| Members | 3,400 (2.1% YoY) |
| Full-time staff | 11 |
| Net worth | $4.0M |
| Net worth ratio | 9.3% (p12 of band) |
| ROA (annualized) | 0.42% (p43 of band) |
| Total delinquency | 0.15% (p28 of band) |
| Net charge-offs (annualized) | 0.15% (p61 of band) |
| Loans / shares | 63% (p58 of band) |
| Cash / assets | 31.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.15% (p61 of band) |
| Operating expense / assets | 4.37% (p67 of band) |
| Vehicles % of loans | 44% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.28% (p43 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 12% |
| Average share balance | $7,233 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $14,325 |
| Loans granted, annualized | $8.1M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 1 |  | members leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | net worth falling | delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 1 |  | delinquency rising |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | assets shrinking |  |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 2 | net worth falling |  |
| 2024-12 | 0 |  | thin capital, net worth falling |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | net worth falling | delinquency rising |
| 2025-12 | 0 |  | net worth falling |
| 2026-03 | 0 |  |  |

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

- 2026-07-30 [Travis County CU Data Breach Exposes Social Security Numbers - Claim Depot](https://news.google.com/rss/articles/CBMiekFVX3lxTFBNM25wTXQ5UzlrUVRsNHMwdG9YUEU4RFBXSGtyeWRZbmJaZENCYmtMR180TVFtUE15ejBwY1l0WTRJQVBVNW5EQjdPYk1yVDNCMC1lYjZRNUo4dlR3OVZsaEpib2RiU2w3MF81MUFoUEZKUHBTX09KWTJ3?oc=5) · Claim Depot
- 2026-07-02 [PECU & PlayVS Bring Free Esports to Central Texas Schools - Community Impact](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNMmhNbTNVWFV3QkFJU3lBYXNUVDJ4enJsUHZDVWExNG8xZ2x0dThhUzVNWlBMdDFjeEwzcnlaeUx4VDRHeVJ2bUY0Q0tNdXF4UENOd2RUX1dvSDF4ZkhEZk1ySDloaFlpUndrUk9fYnJGbW95OE9NQUVoSFlkeTRzekp5eDNVZlhQZDRwYzQwTzZ1ZjRSNFNMOUYzVHdvd3ZraFpmVEFmNTk2WU83RkdIYnVGbG15SzNhajlXUVEwTW55b2dlcjBTRA?oc=5) · Community Impact
- 2026-07-31 [Travis County Credit Union Data Breach Investigation - Claim Depot](https://news.google.com/rss/articles/CBMijgFBVV95cUxQM1V4ME9KNUFhaTlNdzZmQlRoVU9peWtJZTM3SHBtalB5UnZVZ2dXYl9FcVphVEhWNzY2dlFrVG1qYV9Fc2wyYlV3ODhvX1VSQng2QWdFLXI5R2lFMzJTbUw2SFNzUlV4OG1Xek5NbXFrRHBVTS1Yb3pLVENaVmFhUmozWTU3dE5qT2ljNzJB?oc=5) · Claim Depot
- 2025-08-18 [Travis County Credit Union becomes "Credit Onion" in curbside paint mistake - KEYE](https://news.google.com/rss/articles/CBMisgFBVV95cUxOcC11bjNGeGJuczVaTV9PeTBFYnFRNzF5aHRsMVAtd1lGNGs1NHBydmtsNHVoc2g1RzljQS1kNC1YVVBXVXctZ25JdGE1V250aHBiTmtwX05tcnpyUS12WXAzZ0UyWHo3VDRmWVF5R0QzaUFrRHBqdlA0bjVaOTQ1Mi01c09uemNzZ2FVeGNyOWY4M0x1Z0l2Ui1Ic2dZRzRmYy0yX2R0TmlONzNZTDBDQ0Vn?oc=5) · KEYE
- 2023-05-04 [The view from Texas on the future of community banks - Axios](https://news.google.com/rss/articles/CBMiggFBVV95cUxOVnkwUElaWFUwRl9IejFLb2RUM2ZLRG4tX0pMcjY5RWl6aDBKSU1NWUZsdFIwM0VleUJrZTNQMzJTbTQ1RVRoZ2ROUUszcGc5TmFsVGgwN20xYm80UmpmeWp1elVrLXhDU1h2TEc4TlNoN1RCRG1mSTViMzNIaXdmQkdB?oc=5) · Axios
- 2020-10-07 [Texas AG Ken Paxton releases new documents related to criminal allegations - The Texas Tribune](https://news.google.com/rss/articles/CBMimAFBVV95cUxNdzRDbUt6OUd5RHhyLWVmVlpValpGWlZWSnVpUG9GTmRnMC1qX210dlpESGNMWXZOMENsS2ZienhLTlYtV0pSemhKV05VY2Q4LWpVQU8yS2NMcXBoVGZuS29lQ29XYVFObS04dHpsOVhRV3NzTmhRbVdGRHFvUExVLUFqeVU0LTJPbExnS0xwOUY0Mklha2d3Vg?oc=5) · The Texas Tribune
- 2017-01-19 [UFCU Invests $1 Million in Central Texans’ Health Through Dell Medical School - UT News](https://news.google.com/rss/articles/CBMimAFBVV95cUxNa2hUUGpvdktzMUMyNHJHbGVxRGxDX0NHRWpsc1dlZFgybEhuTFllZ3IwV3lIVDB4dWtLQTdnVGxxV1BJTWxUY19KaTluU1NSTmdNN0dJczhXcm5DVXlTaTN0SVFZR2todDQwbjNxMW5yODZXTGJNMEpnN1JMY3h5SUNUUFBNUGdhVk9nWjZQMjcxYjNkNWN0cg?oc=5) · UT News
- 2023-06-13 [Austin Real Estate Roundup: Prolific developer lands $49M construction loan for new apartments, plus tons more deals - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPS1U0dnJCa09qVEVGdXo1d3k1SWdRdnpicG9jLXM3bjZKOGczYnVqblNla1RYdGpyUTlST2ZnSXBPZkUxbXl1NUlWdFA0U3IwSk9TSUtEaU56djlpRzZ5SGN0OGltTkV0VUFlMS1YVlhaaVlvZnhRUTdPWlBxN2dfYjdnX3l3aTZ5TjdFUjV4a01lZU5mZHhoU0VMNkMyRkZpMkMxclNWOA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67604 (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/20.json (key "67604", 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=67604
- 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