# MEMBERS
Cleburne, TX · NCUA charter 67649 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-67649

Who the members are: state charter, organized 1954, low-income designated. 8,665 members of 224,250 potential (3.9% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *auto monoline*. 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 | $117.4M |
| Members | 8,665 (0.8% YoY) |
| Full-time staff | 22 |
| Net worth | $12.9M |
| Net worth ratio | 11.0% (p40 of band) |
| ROA (annualized) | 0.85% (p61 of band) |
| Total delinquency | 0.83% (p64 of band) |
| Net charge-offs (annualized) | 0.62% (p75 of band) |
| Loans / shares | 50% (p16 of band) |
| Cash / assets | 41.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.79% (p58 of band) |
| Operating expense / assets | 3.92% (p60 of band) |
| Vehicles % of loans | 76% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 17% |
| Third-party paper % of net worth | 102% (p70 of band) |
| Vehicle delinquency | 0.59% (p51 of band) |
| Vehicle NCO | 0.53% (p50 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 7% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 21% |
| Average share balance | $7,203 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.0M |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 368% |
| Average loan balance | $15,848 |
| Loans granted, annualized | $15.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.0M outstanding purchased (54.1% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 9.8% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

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

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

- 2026-08-31 [The Best Credit Unions Near Austin, According to Locals - Austin American-Statesman](https://news.google.com/rss/articles/CBMibkFVX3lxTE51UktMa0ZiZGxBR2tRT0VaOUFOeVpoSkZzZWN4NWVmYlBrQldqcWd0U1hHWk1menNpTmpURFlQQXFkN2kta3I4c3FWWVcyYndQYldoTFQ1anBBeFZua3RQX05aNWRrUFFKRk94cjJn?oc=5) · Austin American-Statesman
- 2026-09-02 [The best credit unions near Houston - Chron](https://news.google.com/rss/articles/CBMiakFVX3lxTFByd3FwR2MyYUVxZW9EdktCYWRyR3lKWjlCRTBzcXlnSUN2NUYxYzNaTmZqMEdPWThnY3dHblpUTUw5STJKU05idWEyREpoOVJrSXg3MmRuay1MeUI2N3lJLVRvT21hbkpFdWc?oc=5) · Chron
- 2026-01-12 [Texas Trust Credit Union named to Newsweek’s ‘America’s Best Regional Banks and Credit Unions 2026’ list - CUInsight](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPMVliN1Y3Q2huMzRPcWxVZXlXbEg2SkFhMm1hYWJMV3lYZkRrQjh1VW5pTTc4ZUs0b3poZExFRW8xWjY0dGdlVFhndTMyX3FPSkF1S3h6TG9iSWRtdjVZSmtlZHRKcVhkU2UxT3FRanhud1ZJdkxod0lsdTZBQ1BqWDRjVkNNZWV4NzI0bmhwaml1elA5RUlxTnVhVGNEUWVhZU54SUYzNVdaRFFVNXBkYjRFY0ctOFJ3WGFjYjZDUXJoWW5FcHVaNDhLVW9zOUZpRjhXeUM4R0o?oc=5) · CUInsight
- 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
- 2025-11-21 [Premier America to Buy Three Credit Union Branches in Houston - CUTimes](https://news.google.com/rss/articles/CBMingFBVV95cUxQYWFBZHp0VldVbjZMelZJcGpvV1hBTkNfSlVEaE1zV2I2cEVDa1E0b1dDOURwdm5ZczZBWXl2M3dGVDc1QlI4cjVOZVBYNk10QlZmZTB6UXdQNkRzdUlJaUxVTVNiU2NGNVdCWDJWVWwtVUNDS1FKelB1Sy01MVA2azV6a1lNVDVoLUFjX1dJZ2hwU1QyUElORkZLQ2E0dw?oc=5) · CUTimes
- 2025-10-15 [Best Banks and Credit Unions for Military Members for 2026 - money.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9PcWZlSG41WW51ZlFTenpIcHFyaTVaOW9ZMHR3U012dFVQWVJia3EtWG51QkdfQ2IzWU8xN1NsVzg0UXVjYnlYdG5ZeElINmROdWt1QlNDbEJDQ29nZWZBbGRCS09jd0k?oc=5) · money.com
- 2025-11-05 [THE SCOOP: Burlington celebrates grand opening, Members Choice Credit Union opens location in Lake Jackson - thefacts.com](https://news.google.com/rss/articles/CBMimwJBVV95cUxQT2Qzblg1OV85b1RVeXhDTjFkd1RuWDdmWkhTajdaaURIR3F2ZVZkc0g3T1VkaWY5X0R3NmkxRzRGZGxTSmR6ZFdzZ2VPUjB3SVNLVy1KeVdqbEctZFJfNXFkcC1NUjdiaEJsR1dtaWZNU1M2T2lMdWRhbm9QZnIzcUdRX0MyQkNBRHRNM2MxUFRmREFzTXR0b0ZiWUpxaG5xclliZVBxQXpCMzU1T2dvcUZ6RDhReDhpaVU3MzdlamxaLTBMdDVNcXJVX3lQck1BQklUTVpkRlB2U0dFSDdVeGIxSEg5WkJMSExoOW5vbWhZMFB4dzZoTXZMcUZIeDJpZ1UxYW5pWmViMmJ2aXl5YktyVHdvakQyd1pB?oc=5) · thefacts.com
- 2025-10-03 [How InTouch Credit Union Empowers Members and Strengthens Communities - Local Profile](https://news.google.com/rss/articles/CBMiugFBVV95cUxPeHgxNTFLd0g3UFE2azVBUHB6NzlzclVUeFREU3NOU1BSMXN4T3pTSm1QZzdKNDhYVmp5Qks3LU9KaFJ6YUlrX2NHNk0zNUJEaEI3aFdobWtTSjZveThpb1dUZ1hfc2IwOF9CTHV1Nml4SlZwdnF5bGFpZmxuWlR4YXdHR0VzYkwxbWloWnhJRVJ4cnZ6cUpqRGQtZUhQb0N0cTRvM2Q4U0wxWG9kUGdVOS1pbllIdl9RX1E?oc=5) · Local Profile

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67649 (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/1.json (key "67649", 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=67649
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide