# EECU
Fort Worth, TX · NCUA charter 67928 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/eecu-67928

Who the members are: state charter, organized 1934. 307,907 members of 2,101,111 potential (14.7% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.76B |
| Members | 307,907 (4.1% YoY) |
| Full-time staff | 404 |
| Net worth | $598.5M |
| Net worth ratio | 12.6% (p77 of band) |
| ROA (annualized) | 1.56% (p95 of band) |
| Total delinquency | 0.42% (p29 of band) |
| Net charge-offs (annualized) | 0.29% (p23 of band) |
| Loans / shares | 91% (p65 of band) |
| Cash / assets | 13.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.91% (p22 of band) |
| Operating expense / assets | 1.95% (p6 of band) |
| Vehicles % of loans | 64% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 88% |
| Third-party paper % of net worth | 351% (p91 of band) |
| Vehicle delinquency | 0.34% (p21 of band) |
| Vehicle NCO | 0.27% (p8 of band) |
| Repossessed % of vehicle book | 0.08% (p53 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 74% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 37% |
| Average share balance | $8,616 |
| Participations bought / yr | $0 |
| Participations sold / yr | $13.6M |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $27,549 |
| Loans granted, annualized | $1.84B |

## Participation posture (from the same filings)

Bought $0 and sold $13.6M in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $101.9M sold and retained. Sold in 8 and bought in 0 of the last 8 quarters. Shares 11.1% year over year.

## Flags firing in the latest filing

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

## 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 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | margin squeeze |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 3 |  | margin squeeze |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | net worth falling |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | net worth falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 3 | net worth falling | auto monoline |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 2 | auto monoline |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2025-05-29 [EECU, Tarleton State Reach Naming Rights Agreement for New Event Center - Tarleton State University Athletics](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPMFNEWTFZU3FCQ0RYOTZDNjF4ZnBkdDBxdDU2ckRuRHZWeEdXZTduSDdaV0t2dHBzbWNGM2lLSEJPSFFYQVVRMEg0NnJKSXBXbklad3NITENOQ0trbDdqY080WXNSNTJzcDh6aWtoQmxVeTBlcFNjQS1sTlE4eURrQnVieFNKZm5QOW1kMTUtbThLSXJxci0ycHhOVmVUSXJRaWIzN1FmdV94ZnN2WmR0TUs2d0kzVWpBQXJwZ3NhcG0wTFU?oc=5) · Tarleton State University Athletics
- 2026-08-19 [EECU names Josh Brian as chief growth and marketing officer - Fort Worth Report](https://news.google.com/rss/articles/CBMioAFBVV95cUxOWEpiU3FvVVhWaGlPWXdSakd2c29KUWRvU0NnaUsyZDF1aFBFWGswQ0lPNWhEeGF4dWJPbk5iZUxMeEdkRnkxcEgxbXZyd21xVnZCZ3F0QjZKUDdzTzdVdGNXTll1T1drdjZDTjZzTGxXN2V4Szd1YnZoY3Q5UnVpTkZnSWRCWEZ5VHBWN2NqWTVQaUpCX3hjaDl5U256Wk13?oc=5) · Fort Worth Report
- 2025-07-24 [Koe Wetzel Returns Home to Open Tarleton’s New EECU Center - Fort Worth Magazine](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQZ21HWUZyUHdhOV95SmNzMThPQ1FoU0U4WndyVDEyZHFqTmdkOFBBU3hzdlRyanFNVUpRODJZdGdhTUdpMWFuSnlUYU5tR0lfNldLcWJjYWQwNlRJMG5TcnZmb0oydVR1MlFXaldNaDVYWEF1SW01MGQ5ZDFMUlRSUmVxTHc1VEpxcTJr?oc=5) · Fort Worth Magazine
- 2015-09-08 [EECU Heritage Trace branch to open later this month - The Business Press](https://news.google.com/rss/articles/CBMilAFBVV95cUxQQU95X2EzeXl2S3ZRSm5mZTVfa21KY2pfWmFNR2JkTXQxcjNmRjFvekVEcmN2UnVCT3VLM25QbW5DMHFXSVBqSElfXzNzV294V1BPXzVOQnZzUjRmTElsYVNITU9fUEszMWQ3RHFUVHBGckdUd3VWVmlsOUo2NXRteEZ4QlR6cGJTQVNTTXNtdXhwVlF1?oc=5) · The Business Press
- 2025-12-01 [Cindy Bartlett Obituary - Fort Worth, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxNenlycGRwV3R4ekVMNHJ1cWwxZWpIc1dIdmJ0dmhJQW9fUjV1bEhTTEptSnp3SDBTRUxtS1JVdW9VOS1sQ0xNcUhkdmtSWmRqZzhpQWhMTEdldW9WN2dVYkVMbXh5YUVEdGNyOElGTG1RNERSaVpjQm5OX0IwMUZXZjlrZ3FZLUk?oc=5) · Dignity Memorial
- 2025-07-30 [Koe Wetzel to perform at Tarleton State’s new $120 million arena - Fort Worth Star-Telegram](https://news.google.com/rss/articles/CBMic0FVX3lxTE55QWxJMmQzOUxUYnktbmxoZW40VW8tQmJmTThhOTdobU9naVI4QVIyMEdFQXlFYXpiMEpBMjlhVk02eExJb1pSRUdKci1DNVNiN296VEdfeUpjUkdwZ0xxam4xLXA5NTl3RWVrNmswWEtFV1k?oc=5) · Fort Worth Star-Telegram
- 2018-02-21 [Jerry Deering Obituary (1928 - 2018) - Dallas News](https://news.google.com/rss/articles/CBMioAFBVV95cUxOcWc3UlZkQmthVTFDaEp1N19LNU80LW9Gb2F1a1FZRE1KUXVMelM4QzByS0ZqMXZ0TTdxekw4SGFoT3h5MktQeDYyWl81NVFxT2NSQzEwSzBmT3NlOU9zRkpKbWxkNWV1cVotSkdVQTBKOGdIWHFIZTVLdlZuYkJqMWVSOHBWc2dJOFZLQkl4MTYzcGtxTnZjemRhaHdPRHVv?oc=5) · Dallas News
- 2020-10-13 [Ron Reed Obituary (1953 - 2020) - Fort Worth, TX - Star-Telegram - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9VYU8zN0dReXFGMkZTWk52aGxGUG5nY0I1MjQ3TS02QXlhUFlEN20xQ1pfS3EzeTVYTFROLWVEeGhIT3RVNkJXTGlaWmRnSEhNZENaQ0lKM203OWV0VXUxcUxtalhzdnVBakpyOVJ0MFJrdWY3UlJfaFNmejVUR3M?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67928 (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/24.json (key "67928", 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=67928
- 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