# MEMBERS FIRST
Corpus Christi, TX · NCUA charter 67658 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-first-67658

Who the members are: state charter, organized 1938, low-income designated. 12,657 members of 360,000 potential (3.5% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $190.7M |
| Members | 12,657 (-0.3% YoY) |
| Full-time staff | 38 |
| Net worth | $43.1M |
| Net worth ratio | 22.6% (p98 of band) |
| ROA (annualized) | 1.06% (p71 of band) |
| Total delinquency | 0.76% (p61 of band) |
| Net charge-offs (annualized) | 0.45% (p63 of band) |
| Loans / shares | 47% (p14 of band) |
| Cash / assets | 16.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.21% (p24 of band) |
| Operating expense / assets | 3.05% (p27 of band) |
| Vehicles % of loans | 39% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.35% (p82 of band) |
| Vehicle NCO | 0.29% (p36 of band) |
| Repossessed % of vehicle book | 0.31% (p90 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 13% |
| Average share balance | $4,089 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $13,095 |
| Loans granted, annualized | $18.1M |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 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
- 2025-03-06 [TBA Credit Union welcomes Heather Karl as Branch Experience Leader - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNWDVLU2p4N0FNanVXaXFOYks0RkhvT0FXTDJNdGVzS0FWNG5saWQ1Vk1mV1hWY3F6YUFkRzBNSG1hVGxVZ1VkcjhxRXhERmhzR3Bsc29UVkFETTBTZkRnUnJDbkswQ29vYi1TZWo3ZVBUblN1ZE5WUDRLLXBvWm1wTjJzTlctS2pBRWx4Z0RsZEE0a0NHZDU1UXNsN09ycmFVamlOZlJ1MTg3WFE?oc=5) · CUInsight
- 2024-01-30 [President/CEO of Tyndall Federal Credit Union Announces Retirement After 20 Years of Distinguished Service - Business Wire](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPYzczREw4Z2lRWjI2X2huQm40V1hKNmZmN3VIcnA3bmVXX0tuRk8xVGRleXBROU1oSjdRdm1BRnNqRGp2QUoyRnNudmZNZE9XbVdrcl9weDN0c2VjT2xJdjVjVGFFdWdoVHo1UXZ0d1l0ZXlJWXpBb1NPVHo2VDZ3YklfdE9hbmtfV2VxdHBoaGc4OWU3N05sUzVhdkFnNU0wSDhMM1ozQTB5TVRSVnlOa0FfdTljelRRY1pITXNoOS1lY3RoRl9ZU0RMSllEUlNEZmwtQ0NPM2hibTJLNGZLSGtPcGVkNDE4NkdnSGRQU3lFb2NG?oc=5) · Business Wire
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2024-02-05 [TDECU Appoints Lavonne Burke and Adam Chibib to Board - citybiz.co](https://news.google.com/rss/articles/CBMilwFBVV95cUxPSFFFVXhEUWo2MGFOTWpiV1RrNkdyT3VYU0MtWHV6c2JpWW9OVFV2TmhxYkFtQmM2Z3RZU0pnNkNGaDVEeVZoVWYwdnpWLUJCbGJoTXNyYmkzb1JYNTdTcWE5XzFxcnJtZWtkQzk4c2cxQnVETnFoZ3Zyc1hOZElmU0lEcEcxbTQ2ZTMtV3l4bGh5MEZ6UVFr?oc=5) · citybiz.co
- 2025-02-10 [Texan Sky Credit Union Welcomes Bivins Members with Exciting Merger and Future Growth - The Moore County News-Press](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPZjEtb2J0dGhHTnlqOVdIRnZsQ0V4Tk5jckQ4dElSZHFVbTVFdml4d2ZvQ2h5M1JRenZJaWQ5blQ0Z1o2YWxTV2I1aEh4RXNsZTRnV2xEeEhMd2ZlMm41WjVEVFN0ODdUT0RLVGVNM0tTc2dzZXRiUUJQYzBBM1BQU280clZaY3Q3VGVGTHBMUlM0NXF3TFZUQnczR1czV0x0ajRGOHlHRkltc01aLUJjNG9GSTNqazhoTWZsNWpOQnh5NTNBSGZRQWx2YWcwR19FQ0hYZGpydFEwcG04OXpmQzBaNjVhbDEwdUJHQUFKT0gyZ3N6Ym5fS2dCY1pYRzA?oc=5) · The Moore County News-Press
- 2017-08-08 [Bank robbery suspect left license behind, ends in standoff, police say - The Evening Sun](https://news.google.com/rss/articles/CBMitwFBVV95cUxNYnh3UEt4WDZSbmxDTm5vbXhIVVZlTkx5TFk5WFNCUTB2eE5iVzVocklrYmNPS0NUdWdnWXY2UmZYRHF6NUN5Mnd0enF1TE5lT1dKX3E1ZVNYVm4tT1JUUG9GdXdmQ2duSV9Nd09XdldGeTNKZ1lVR3JqbjdNelFubXdpTG9RSWVGWElLaUNkLTl5dDYxLU1aQnF5eVhRdXdMdHg0U0k5TkszdmYwRjZHODdDQ0MycGs?oc=5) · The Evening Sun
- 2012-05-02 [Bryan Jacob Payne Obituary May 2, 2012 - Phaneuf Funeral Homes & Crematorium](https://news.google.com/rss/articles/CBMiTkFVX3lxTE9uQzctTHUxT29kV29lMHlRazVQMEtMd2hhYkQtcWN4OXJrblkzOThDQXpueVA4TVM1UHl1SlJSVVlGWkF5dWdYUnc5eVRVQQ?oc=5) · Phaneuf Funeral Homes & Crematorium

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67658 (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/10.json (key "67658", 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=67658
- 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