# NEIGHBORHOOD
Dallas, TX · NCUA charter 67681 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/neighborhood-67681

Who the members are: state charter, organized 1930. 68,342 members of 20,000,000 potential (0.3% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *ordinary*. 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 | $1.13B |
| Members | 68,342 (-0.9% YoY) |
| Full-time staff | 190 |
| Net worth | $119.2M |
| Net worth ratio | 10.5% (p46 of band) |
| ROA (annualized) | 0.69% (p49 of band) |
| Total delinquency | 1.54% (p94 of band) |
| Net charge-offs (annualized) | 1.22% (p93 of band) |
| Loans / shares | 77% (p26 of band) |
| Cash / assets | 5.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.33% (p51 of band) |
| Operating expense / assets | 3.66% (p74 of band) |
| Vehicles % of loans | 42% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 155% (p55 of band) |
| Vehicle delinquency | 0.86% (p71 of band) |
| Vehicle NCO | 0.80% (p38 of band) |
| Repossessed % of vehicle book | 0.26% (p88 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 25% |
| Average share balance | $6,823 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $87.7M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $18,810 |
| Loans granted, annualized | $234.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $87.7M outstanding purchased (73.6% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -1.5% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2026-08-27 [Armando Rodriguez Obituary (2026) - SAN ANTONIO, TX - Angelus Funeral Home - San Antonio - Post and Courier](https://news.google.com/rss/articles/CBMiogFBVV95cUxNc05Mekc0VFprbUxLbzJPTUhsOXdqRnRWS1M2SmhldVUyR04wMmw0NWhwOTI5VUdOa19rU20zY24wN01tQnlsQWNlOEhCOUZnS0JuamdiQnVySUdyN0QtUlZlbWkwcUxCVDNUTVdHMGJlWEd0VENtaFZPZW11cTBQRnMzeUxsdkxlZ045NGR0RFRMYmllcHYxTnNzNUpVMWRxQ1E?oc=5) · Post and Courier
- 2026-07-22 [Morning Talk of the Town: Beyond the Walls Outreach’s Back to School Bash - KXII](https://news.google.com/rss/articles/CBMilAFBVV95cUxPaWdMaHh5U1FzaFpFeTYyX291THVVcE9KdWVKN3Frc3VSZTV0eWhaTENLYzc3S2gzLXh4dFVoT3hUZ090Q3k0Q3ZtbnBIRDQzVmxuNjg2aU1KR3A0VnJvdnJTb3YtdkNRTWNNdmJnTzVhSXVuZVAxVXVmMm5aRUdPcV9HVHdfOGJQRzlKZ2dzaDdOTm5x0gGoAUFVX3lxTFBKeEIxaXhMenlSU040V1ZJLTc5MC1BcE4tZWJPcFhaTmp4eW1DTlNjc3B6c3ZXeVMwQlRsc29SQUhQV0djUFJGVWc2bTZYTXJLdFpJUG1ma0x5STJfbFBJM3g0NS1HQnFDNlBZWm8zZ2lYOC1RQjMyVEFncG93X2dqRkFLcUZrZm5vRk13UHRuaGs0cjVnVTVYWFhPdTNmOWNBMTZ5eTFJbw?oc=5) · KXII
- 2020-12-08 [Neighborhood Credit Union partners with interface.ai to transform member experiences over the call center by offering an Intelligent Virtual Assistant - PR Newswire](https://news.google.com/rss/articles/CBMiqwJBVV95cUxNeVU4eVJkd2tJdTE5RVpnZDd0Z0UwMXFIaHljalZncXJPZ0xEbU4tZ2hJMkNvb1JWRURQZ0NPUlFld2dEVUx6NWpzYnBQMnJObFJ5Vk9tdXNXeWxkUmFGMzFNeUNlRTdET211UHhtSjZVeC16ZnJWRlIteFhwa1Z3MlcwQmhCWWRFbE5kQzFPUkk4VFNrSmtvVUQyeGkwOF9fY0F0TmRYaDhjaGZJd01QNkxZZDRMcm10TUc5dVFQZnd4aWFYQkpTYk9SaXNTdU5YZ0JLY0dFZTFrSkZKY19ITUEyUU11bXN1b3ZUeTNGdkhqOFVrT3NHMkZ6RVJyN3gzeWV5WVpnNjR2cVQwSDRfTm5UZFh1SXRJVUhzeTc5clVfYmN5endJNGlaYw?oc=5) · PR Newswire
- 2026-05-08 [Freestone County Courthouse News: April 2026 - Freestone County Times](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPVlhJWUhmcmhUanBPOG5tZjA2WFpoVnlMSVVyUUx6TmxvLU9aQjhiUXBEY2ZRNzgzX1B4ZHJhdHE4YTlYTU01UkZvemk2d1pqZm9HRklZNmNiWWp5aFl3MUxST0VGNDFhNWFvY2FHTUtWbFo0WXMzWjVlSElGSXB0QThJRUY3XzR1ZVZn?oc=5) · Freestone County Times
- 2025-10-08 [DFW Business Leaders Experience being Principal For a Day - Richardson ISD](https://news.google.com/rss/articles/CBMiYEFVX3lxTE56TndUbVptT2FOQmVFbTh3ajV0WmZXekU0SExYc3Z5YTVBSFhLa3RvWERtd2l4Ujc3R2M1VXFYU1BQNXNrQTNiVnduU0lOT1cycFFwWXZuYTU4ZWhCNnRlMQ?oc=5) · Richardson ISD
- 2026-07-23 [‘Get down’: Man recounts hearing gunshots while playing pickleball in far West Side neighborhood - KSAT](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOQng3WVAxZ1BZakpfZlBEYmR1dnA3MldMRjZVTkM2YjdQbTMzX3hTczJLR1Y0T3NRWkl5ZXFJWC1KbndOaVR3dVpmdVlkZnZFSGJ5Q1drU2NTLTVacUF2RHdad1J6SGxkdmtEZ2VVdHYxWl9kcERRWTNXdlFEcjhwdG10SjlERW1tNWE1RlZZUE9pbTFjaEtOMEpTRzBkSGZoaW9ZQlNXdjBJNzJFckhVcEhzZzZHeXB6V0RfQlg3Y0NvVGdmLUV6RHF5bWJTcVhIM1lkcg?oc=5) · KSAT
- 2025-11-04 [Dallas Stars Alum Marty Turco Rallies The North Texas Community For Children’s Health - Local Profile](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPbi12MnRfVFl0MEVQbDhDQ0pNWUVaLWhQMFpRcV90dDNHWnVWeVhrOE42MGpLUDVBbXpQeTRWQWFETmw4YnN1bGlPaTVVa2pUQm9ld2ZZUVYzTzNOOXZrenlXY1VQMW1ETGxqcDhXcWJoN0ZJWTVvblZMalF1QXZHaGpXN1A0MTZ2RGRqel9samloM195N2tsdk0teEw3U012RXZYWU5LcVlZd9IBrwFBVV95cUxNT3NHVXhhQlBXemNydnM3MFdVQmRydmZlT1Roa05rREVBVFlqNVJlZWdXcDlPaTJINld6ZWFOemhfd2JfY2wxVnVhT0t3U19vb191cjRiZDA3am5nUXdldDlyRkRwRXc2cjYwOG1XclVGM01tLXZxTy1MTlV1VnBxcS1Ga2ZqVFBaRGZXRktCSm9GdFdDUlk0amtsN0xiQXl1QmQtb3E2UGdYYmlTZW9F?oc=5) · Local Profile
- 2022-10-19 [Neighborhood Credit Union Provides Tools That Allow Members to Improve Their Financial Standing - BadCredit.org](https://news.google.com/rss/articles/CBMimgFBVV95cUxQOTlRR0VjTGJkX2lZbHdMTHFkeHdDQmEwVUVCamNrQTlCOFRUWGp0NXMzSUNUd3pmVWlweWVqQzNpSXBtdGladGk1ZEZudmdBdEdRU0JOM3h5ZklvMnRPNk95VnhfVWxteXVFU0hWa2ZKODh0ZlJ5VFZlMTZDcHY3djRQOGpnZjgxampCZ2ZVdlBocVgxTVBleVJ30gGfAUFVX3lxTFA5eVR3Y0NERnZuVHRhZXUyLXJmUnpLVHJVbE8yZXV0aGJab0dTTXVOM0JMS0czSlBrY05yM0xuel9aaktZM2podE1fdE95Y3NYM1dwbzNyVDRGQnJxUlRVMUlFUVFGTi1mSlJQWl9MQWtfQ2VOdFR6c2thUE5GVDBvZmZNWlc3QjhybUpjdUdWdHRQNHRpSWxTNFIwcTE3aw?oc=5) · BadCredit.org

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67681 (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/33.json (key "67681", 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=67681
- 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