# AMARILLO POSTAL EMPLOYEES
AMARILLO, TX · NCUA charter 67639 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/amarillo-postal-employees-67639

Who the members are: state charter, organized 1931, low-income designated. 1,833 members of 205,300 potential (0.9% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *too clean*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $19.6M |
| Members | 1,833 (-0.9% YoY) |
| Full-time staff | 4 |
| Net worth | $2.5M |
| Net worth ratio | 12.6% (p35 of band) |
| ROA (annualized) | -0.13% (p21 of band) |
| Total delinquency | 0.03% (p19 of band) |
| Net charge-offs (annualized) | 0.22% (p65 of band) |
| Loans / shares | 47% (p34 of band) |
| Cash / assets | 58.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.98% (p19 of band) |
| Operating expense / assets | 3.28% (p40 of band) |
| Vehicles % of loans | 62% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 34% |
| Average share balance | $5,903 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $9,768 |
| Loans granted, annualized | $6.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2019-08-13 [Area credit unions working to make miracles happen for children in the hospital - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.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?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2024-09-28 [Matthew Jerome Sellmyer Obituary Sep 28, 2024 - Schooler Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE11bEVuREMtMDB0U1FVN2lsc2tFY3E5MWVqZTlscE8zcl91ZmloZ0JZRFJXR21OQ21fajV1U09OenM0b2ZrZVRQQnZhV2NMRUJsRXVDaEZYYVZaNER6MWNwWTV3QzdOUEF4Y3lBdVVlWWw?oc=5) · Schooler Funeral Home
- 2014-02-26 [Big State owner faces his creditors - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNNmdmWWNDUTdzOHhrcFdFd0NzMllfOEdEUk5GdG5LZ2ZSMkQxeHdnLUU2SFgtVzhXaDdnd1NCR3VVbzltbWo3ejJQV3luWE1WdUFROGV4aFhDTkxZNGFISVM1QmNWQWF0NHRwdWNuYThrcGdNR3J5SDBPb0dFLVVidTdsbERQcVJGa3pndjlVaG5ISW45ZzB2ck5Gd3lDb0trUWNpeFZ0ZkotUE1sUEFEcjREMDZxWTZn?oc=5) · Amarillo Globe-News
- 2014-02-18 [Big State Remodeling bankruptcy: Owner's debt includes $1.3M for Cowboys seats - Amarillo Globe-News](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPeGluQ1hXQmt5YXZhUnJZTUdoY3FiSzZPR19PUFlHMXZrTF82ZlpkQWpYU2J3Umk2QUpJLWdMWHlMR25uX2dtX3dnc2JfV3A0ckhZY3VnNl9rZ254MkpZLWozMF9HU0ZnenA0RkpyOXlhRmRGZkpUQlVUbk4xMG5naWs4TTBSaWtjQjBtR1pVeWU0SEdvQV9lWEpObU56bWtoN3IxVHhQY0xMU3ZzS2ZHcnJ4cXAxMTNLampPY0tBWkF3RnhkOXpKbHdGNDlyeXFkemc?oc=5) · Amarillo Globe-News
- 2014-08-07 [Trustee collects $125K to pay creditors in Big State bankruptcy - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiswFBVV95cUxPb3Q0VVRSNDVZQkM2MkhYWTVCV2Y4MmYtZVZNV3pDM2xycDE1TXNEZ25mVmhTLU1YX1owOXJZRXlWNUN4b2NmMGc3QU1SUlNEZmtmZmg1OVFIMzhZWGRadEZEY2wySk5IZW0zd0VtRUZITWItMm5CdFVrY1RqSFc2WjRPWE1QOXMyTF9pNE5veUswXzdqaVB0N2tlMWIyemNQTWZSLXphRkhtR1lCSEhoVTZaYw?oc=5) · Amarillo Globe-News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67639 (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/55.json (key "67639", 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=67639
- 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