# EAST TEXAS PROFESSIONAL
Longview, TX · NCUA charter 67761 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/east-texas-professional-67761

Who the members are: state charter, organized 1953, low-income designated. 104,913 members of 947,425 potential (11.1% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.44B |
| Members | 104,913 (2.2% YoY) |
| Full-time staff | 239 |
| Net worth | $273.5M |
| Net worth ratio | 18.9% (p98 of band) |
| ROA (annualized) | 1.64% (p95 of band) |
| Total delinquency | 0.23% (p10 of band) |
| Net charge-offs (annualized) | 0.39% (p34 of band) |
| Loans / shares | 83% (p39 of band) |
| Cash / assets | 13.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.66% (p73 of band) |
| Operating expense / assets | 2.76% (p26 of band) |
| Vehicles % of loans | 65% (p99 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 55% |
| Third-party paper % of net worth | 125% (p45 of band) |
| Vehicle delinquency | 0.15% (p6 of band) |
| Vehicle NCO | 0.46% (p15 of band) |
| Repossessed % of vehicle book | 0.16% (p74 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 6% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 33% |
| Average share balance | $6,465 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $22,584 |
| Loans granted, annualized | $387.5M |

## Flags firing in the latest filing

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

## 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 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | net worth falling | margin squeeze |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | net worth falling |  |
| 2023-06 | 0 |  | net worth falling |
| 2023-09 | 1 | assets shrinking |  |
| 2023-12 | 0 |  | assets shrinking |
| 2024-03 | 2 | net worth falling, delinquency rising |  |
| 2024-06 | 3 | 3rd-party paper>100% NW, auto monoline | net worth falling |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | delinquency rising |  |

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

- 2023-06-02 [East Texas Professional Credit Union Player of the Week: Harleton's Braden Hopkins - cbs19.tv](https://news.google.com/rss/articles/CBMilAJBVV95cUxNeEpFU2cwV1pCc3poSWFXMTg0MFRCOVBGX0UwejloYU5qeDBjaEEyRVgxNDZQaWdDbVNoY1djTUZOcE55Si1feTNMN1d0V2plaE42ekx5T1VadlNNOUxQNW93V1AycmtoRVNianZEdGo3UWtBeVpaYmRNQ0ZOWUhrbWtvRFBUOU4zS21uS3FfVWVuVUt2QXR0d0plc2xPMGhiODZzemJpTnd6Yi1rN0dwZUFqb0lrUkRaZWFDaEViOGRwMUhoRm9IakhLWEZIZEkxZ1cwdWlHQS14T2taT1h5bm5EcE9Ubm44MUFLRk5CR0tKSUc2OXNzT0dWZXRaelVlUThyaDgtSXRHLVZWT1JPR1M4cVM?oc=5) · cbs19.tv
- 2014-08-18 [Police release surveillance video from Longview bank robbery - KLTV.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPUGRKcnk4eDMwNWJWSzhhM21oUlJwUGZLN1NaQm16cFF1R18xRWdfMGtiazh5RTJYc1ZJNXZOcnJpbFNDMWs4eHAyVDBySlhyUGtwdmNiR1hqdzNCN1EyZVlVaElwZHMyNlYxa3IyVGtWOWJndUlxU19WMEgyLVp3N0szMjBydV90TXdkQk9wckhtXzZaVHFvNExlMTFOd9IBsAFBVV95cUxPYnZMa0ZzbjNNWFkwTFhGbHAxZDBaRm9VdG9sLXlYc0o2eVBucFFiZzFYTHptbUdJY2RDVHk3YzQtNnVMMHg3bE54R0x2UWNtN3NDMFpVbmx6dl83SUVTMFRUb3Ftdk90VG5JSVlXclZadml1UGtGZk1rajZJZld3Rm81MFR5WGR1UFYwMU5lYWMwVnVQZ2VPSjZPRllVNmQ3aWxTT1o3cnNudGZmTE1Nbg?oc=5) · KLTV.com
- 2024-08-30 [East Texas Professional Credit Union Player of the Week: Tyler Legacy's Taylor Woods - cbs19.tv](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOa3lwcnBUUnc1VEpzUTdKUVg4eFlxdE44TC1CT2hfdkdZS21uSUY4dFZ2SnZsWExXWFRTb2YwbGluUEVOdXZVSVBmRDlHQmlaeWJ3Ym9ROFVSQkxXSGVjbVI3bFNqMzNGNERwc205OHA2aXVtMEJvZ2ZMcGZqOTVlSXZ0M1I5MGp3VGtMbWZDS3FxRDQ0V3k5empjeVVRaDBaRkRibDMzd0Y?oc=5) · cbs19.tv
- 2013-08-28 [SCAM: East Texas debit/credit cards compromised - KLTV.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNZGdXaHVkUGVoNjFKWWhaUURFMlVtSWNLMXVRYW1ZeVQ3azkxQVNNWXRtR3ZjTElZXzZVZmY0blhlZGt4cWRFanktQlhNdUJnR3U3M1F6X0J3SFdpT0l5bUt0aG9tcEtBVmhENnQ2elFSbFBtbG9qWmRkV00zVW50RkRxcy12dXFMYWfSAZwBQVVfeXFMT2F3WF9sdWpNOXpOUm43QUFSLS00YURRbTRPQjlMR093ZUdDTThEMFJrZzBzTFlrTlFVSDk1N1I1UTVBdWVQZ0RPLUNVM2dsbE5WQ1Z1QXhuUDc5X1ZWc1F2OHlyTU9lYXlzLXdlcmd2b05rSEU1Q0hUTDVNZXhLc0NYMmZHYkpIekpIbDZkcDBOYUdDWWZndExQVm12?oc=5) · KLTV.com
- 2020-04-10 [East Texas Professional Credit Union allows cardholders to skip payments June-August - cbs19.tv](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNNVo0RVU5NUpwTlhWNUpxaXNIa2hwdDJVZ0IxQ00yeUtMU3pFTk1hRHpkM0lkYVhiZXBvV3lxaDcwNHhnUEtJM2lRZ0g2amJSLXVIbnlDMzJaeWxzU09PcEVjSVJ3TUpVWEJBdWJOWmdIZXhjYTFqdGs5ZHlkcnB0LUEtY0diSkhudWJfeXZ5ZzIwUzJoMmNIWWdJcjc3SXdXb1RoVEt6WEhKdi1RdThRc0lsY05nVmREWXYxNVFaS1QwSlJrOV9HSHlSdFhtRGZGYml3SGE1VUR4S0dqakh0QldaM0QxWlNCeWhfNWdsUzhmTklmVmVtVA?oc=5) · cbs19.tv
- 2014-11-19 [John Bryant Obituary - Longview, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE1tdFdhRjVKQXB0MmgxTmt6YUNVdDhiU3dReFNnR1Q4bWFtUHJ4WjFHMlVFdUx4OTZEek9PLS1sSnMwS3hnOWhaMHZPWTJScVhubjVrYW91cmh4ZmVNd3N3T2NpVXZMWGFLRHczQWZQQUZGcWw5UnVQS3hUQXEzNjg?oc=5) · Dignity Memorial
- 2022-10-27 [East Texas Professional Credit Union Player of the Week: Beckville's J'Koby Williams - cbs19.tv](https://news.google.com/rss/articles/CBMipwJBVV95cUxNeGs5RzEzd2pZa09oa09nTEJUWVplZ1h4VjdxampDczBObUpFTTk4RnBfMTlqZUxXZjl3Y3pCZnpqVG9DZml0WnRCQlhFWVppN0VhSTkwb1lBUk1vYnNsQWdFeFh4ODlmZ082YnlrT3NfWG1OdVpoUnByZkZGamVvczJXQWlnUnJZR24tQ3ZrOUdyaVhDZmpHYkVKZ2VpaTdkZ2NzQU5WMU9XN05iMUZjMjlJV3ZPRUlvUE5iLWh2V3RMQk9OSU9HdmJTbms1VndTb1pHT3d0bF9VcExjTFppVjVCVkVjYVlvOUhvMHN0dkd4Z1pBanVDbEJOX0lSa1YyQ24wMXNUOXdtUXR0V2s5cXU4UDVFM3I5M3puOWlOMkVrMkdVUkZR?oc=5) · cbs19.tv
- 2022-02-01 [East Texas Professional Credit Union Player of the Week: TJC's Corey Camper - cbs19.tv](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPWHB1NkVYZE1wdEdWV3hFc0lUQXlIU2xaSFotNXpZVnNHaDM1cVQzU21YYW9jZ2ZuWTFXb21pN3NWb1k0MzdlTHFXQWhyU2hkUENheGNWWEJ1RFhOVXNNVmxqcWR0QWFrbXBjQVMyazBaY3NfREI3VFlFQUpFZk9Dd2tEcE5QSW5TUTF5UnJJX3VCeXhUSTkxeXlQNndkR1RFVXlDVzBsX2ZxMVBzeUJQanl0a2sxYnpvaWNILVRncDBKYm1nbmlWTWxQc1A5WWxqZVFQMzlUb19MYjJuM3ZzMENQSjlMdHM?oc=5) · cbs19.tv

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67761 (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/49.json (key "67761", 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=67761
- 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