# WESTEX COMMUNITY
Kermit, TX · NCUA charter 67915 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/westex-community-67915

Who the members are: state charter, organized 1960, low-income designated. 17,037 members of 57,053 potential (29.9% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 52.

**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 | $233.4M |
| Members | 17,037 (-0.4% YoY) |
| Full-time staff | 43 |
| Net worth | $34.0M |
| Net worth ratio | 14.6% (p87 of band) |
| ROA (annualized) | 2.17% (p98 of band) |
| Total delinquency | 0.71% (p59 of band) |
| Net charge-offs (annualized) | 0.50% (p63 of band) |
| Loans / shares | 59% (p18 of band) |
| Cash / assets | 12.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.02% (p78 of band) |
| Operating expense / assets | 3.73% (p51 of band) |
| Vehicles % of loans | 49% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 5% (p24 of band) |
| Vehicle delinquency | 0.93% (p74 of band) |
| Vehicle NCO | 0.44% (p39 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 13% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 20% |
| Average share balance | $6,984 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.0M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $13,159 |
| Loans granted, annualized | $46.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.0M outstanding purchased (8.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 11.8% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | charge-offs p90, repo signal |  |
| 2016-06 | 0 |  | charge-offs p90, repo signal |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, charge-offs p90 |  |
| 2017-06 | 0 |  | net worth falling, charge-offs p90 |
| 2017-09 | 1 | repo signal |  |
| 2017-12 | 1 | net worth falling | repo signal |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | delinquency 2x band |  |
| 2021-03 | 4 | net worth falling, margin squeeze, charge-offs p90 |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze, charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | delinquency 2x band |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 0 |  | charge-offs p90 |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | net worth falling |  |
| 2024-06 | 0 |  | net worth falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 2 | net worth falling, delinquency rising |  |
| 2025-09 | 0 |  | net worth falling, delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2025-11-09 [Ella Sue Johnson Obituary Nov 9, 2025 - Pecos Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBpbG9YTk5ROC1mUEh3SXF0SXN1bXExMGktX3ZtSlF0dXhCNHQ5V2s5QmVsV2N1UWdjeEhiTTcyMWdHamMzcTAwcXNpU2JSMU9uNkkzU3N2U2swdkQ5SU5Ya09TNWpLQjA?oc=5) · Pecos Funeral Home
- 2024-08-12 [Terri Morse Obituary Aug 12, 2024 - Pecos Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5LdFEzcFVLRmctekk4Q1RiZG5ncGJQT2hxUWFEUDRCY0Zud2VlU2xOQnJJRlFIUnd4NUVVNU9Ba3hTSl80T3g1SEdhbGFpMk1JMV8xV1NINW1LZ1RfREJNYUM3ZVM1UQ?oc=5) · Pecos Funeral Home
- 2026-02-23 [Devora Denice Mitchell Obituary (2026) - Odessa, TX - Family Service Funeral Parlor - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQbXNhcFFSbnR1N0dtTXRWb2psWkNiRDFrX1FKSGMtc3JBUVNEeHNNMFlkemwwTG85b3NkM3V1ZVE2YnVjSzAzQTRPb1FkZ3R2MVpSN2Vqd0FMTDF0NE1uSmE2aURZTk1KOHRvT0N3UV9TV2I4QzEtWkl4N3EzbVptRjNBc3I?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67915 (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/11.json (key "67915", 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=67915
- 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