# MARTIN LUTHER KING
Houston, TX · NCUA charter 67910 · asset band <$50M · latest filing 2019-06 · stopped filing after 2019-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/martin-luther-king-67910

Who the members are: state charter, organized 1987. 405 members of 5,000 potential (8.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 6.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $267,646 |
| Members | 405 (2.8% YoY) |
| Full-time staff | 0 |
| Net worth | $87,416 |
| Net worth ratio | 32.7% (p97 of band) |
| ROA (annualized) | -1.25% (p5 of band) |
| Total delinquency | 53.88% (p100 of band) |
| Net charge-offs (annualized) | 8.68% (p99 of band) |
| Loans / shares | 27% (p8 of band) |
| Cash / assets | 49.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.84% (p25 of band) |
| Operating expense / assets | 4.42% (p74 of band) |
| Vehicles % of loans | 37% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 99.99% (p100 of band) |
| Vehicle NCO | 0.00% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 51% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $344 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 6% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $1,983 |
| Loans granted, annualized | $17,000 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | assets shrinking |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | charge-offs p90 |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 6 | losing money, margin squeeze, loan book shrinking |  |
| 2018-06 | 8 | net worth falling, members leaving |  |
| 2018-09 | 7 |  | margin squeeze |
| 2018-12 | 8 | margin squeeze, delinquency rising | net worth falling |
| 2019-03 | 6 |  | assets shrinking, delinquency rising |
| 2019-06 | 6 | assets shrinking | members leaving |

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

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- 2025-07-23 [Community First Credit Union opens Callahan branch - CUInsight](https://news.google.com/rss/articles/CBMilgFBVV95cUxOWXAwX1diRGcxRW1LNXQ1eE1BeGJUalBVNWJOaDRZcmtOc1B1cW9FakpVcEx5enJ4cUNuU3BvLV94YXN5a3pzTHFpN0daVW9pb041OXpjaGZUTHg4dUFhOHJGYWVVMjRLWmFRTHQ5V0I5NC1VNFluVkdTNV9UcnJ3X284eS1vcm92bUtPVE40R1hyc0JQOGc?oc=5) · CUInsight
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- 2025-12-11 [FBI asks for help locating 'Cougar Campus Crook' in UH bank robbery - Houston Chronicle](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPT0V2U1dHT09OczhyRFZzNFFrdnJBQXlvdGdwYU1zQUdUaG91R09tY095RXRFdjBrYnBXYlA0aEd1SFE4Z1ZtT2JNcUxqUzZ3TXhkc2dRUmxCUVVSQzJsNTFoQWJVd2dkTWpONnFuZHZNZjRXeHdMT1lIRWg5RWsyM2dPbGZWZzNpOFBvMEtEenBVcFhaaWs4LVhrTnI4RFhKM21MdFBvY004dw?oc=5) · Houston Chronicle

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67910 (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/6.json (key "67910", 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=67910
- 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