# COMMUNITY SERVICE
Huntsville, TX · NCUA charter 67974 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-service-67974

Who the members are: state charter, organized 1954, low-income designated. 11,379 members of 1,174,667 potential (1.0% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 61.

**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 | $162.9M |
| Members | 11,379 (1.5% YoY) |
| Full-time staff | 30 |
| Net worth | $15.1M |
| Net worth ratio | 9.3% (p17 of band) |
| ROA (annualized) | 0.05% (p11 of band) |
| Total delinquency | 0.43% (p35 of band) |
| Net charge-offs (annualized) | 2.24% (p99 of band) |
| Loans / shares | 86% (p82 of band) |
| Cash / assets | 7.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.54% (p88 of band) |
| Operating expense / assets | 5.32% (p91 of band) |
| Vehicles % of loans | 64% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 14% |
| Third-party paper % of net worth | 75% (p64 of band) |
| Vehicle delinquency | 0.23% (p25 of band) |
| Vehicle NCO | 0.56% (p52 of band) |
| Repossessed % of vehicle book | 0.03% (p69 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 18% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 15% |
| Average share balance | $7,060 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $18,073 |
| Loans granted, annualized | $57.2M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | 3rd-party paper>100% NW |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 3 |  | delinquency rising |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 | margin squeeze | net worth falling |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 | members leaving | margin squeeze |
| 2021-09 | 3 |  | members leaving |
| 2021-12 | 4 | delinquency rising |  |
| 2022-03 | 3 |  | delinquency rising |
| 2022-06 | 5 | delinquency rising, members leaving |  |
| 2022-09 | 4 |  | 3rd-party paper>100% NW |
| 2022-12 | 5 | net worth falling, 3rd-party paper>100% NW | delinquency rising |
| 2023-03 | 5 | delinquency rising | 3rd-party paper>100% NW |
| 2023-06 | 2 |  | members leaving, net worth falling, delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 4 | leaning on borrowings |  |
| 2024-06 | 6 | thin capital, net worth falling |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 2 |  | delinquency rising, leaning on borrowings, thin capital, net worth falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | delinquency rising |  |
| 2025-09 | 2 |  | expense trap |
| 2025-12 | 2 | net worth falling | delinquency rising |
| 2026-03 | 3 | expense trap, charge-offs p90 | net worth falling |

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

- 2026-06-04 [A+ Federal Credit Union encourages community giving with Austin Gives Awards - cbsaustin.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxNT2VKVVk2anVhWHVVNFF3Y012MlpMeFEyd2h6WTV2ZkpLY3BNbjBiRlNrNFZlejBIR0NTYzRYUHZjSlM4UUwtcVZSNXZGa2x0QVVNMnRjWU5wXzkyRlJaa2hIdkt1M09QUFZSZ1d2S0Nod3hoM3dtbzdKZlhabWxHU1ZQbURSOUtJQXVKLXpyU2tGMUNhajBXQW1KU3RhaUE4RnBhbGN2OEY0WGh3U0RiVTNWd09QZkNoaGNkTw?oc=5) · cbsaustin.com
- 2026-06-08 [52 credit union leaders earn CUDE designation in June DE class of 2026 - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxPMWNHSl9CUXE1aFRCUGtabGttcW45OUVObFFuVTNXbC0zOUtTNURqZGFib2FPZ3VCUnQ1RlRNWjN6MzlUb1dNZUtoZTJ6VV9uZHA3RGIwTEZTeTVpR29rRTFRQ2twVjh5WThPTTRqSG5CZFhCNHZsUkhvS1gtbEdKcjBkTC1aVTh1SUZoX2tWUF83OGxfZHkzUzFieTRWZjJMZVFwNFFQSExndVhoUDU2ag?oc=5) · CUInsight
- 2026-08-15 [Sen. Blanco honors Raiz Federal Credit Union’s 90 years of service - AOL.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE14NUQ3OFZfbmR1amd6X3ZkZmVjQkNtMUpHWFRhNGtTSlUwWHdDVVhvWWw4Ymd4dEVfQlNqaFpQRkMycnl2V2NkeDRJWlpEM0N4d1NGRHVKUmtid19nSTNpZWk3WVBHYXh1WnAxbkswYnZ3anNYUDUwN3VNVUExODA?oc=5) · AOL.com
- 2026-01-19 [El Pasoans unite for MLK Day to combat hunger - KFOX](https://news.google.com/rss/articles/CBMigAFBVV95cUxOZW11Nlg0Q052c2JGY1dSMWRYb1U4dGdDTUM0RTVsUldQbkdKVVBfMU5ETlNrRU1tOTVoME9lWUE4MjJxaDlJQkZ1ZWZPM0JVQ3hZMURTNmJTdmdwTGtJNENUNFl6a25ZVkZaeVdPNXF0UDFSRkY5b0hWXzhLWlVCVw?oc=5) · KFOX
- 2026-03-01 [Joyce Liptak Obituary - Dallas, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5oc0tXVFh6VlA4Z2VLanF1Z1NBUDNiVWZ4dWVHLWxWUVVkYUMxZTFlb2FCSlJ3M1pJN1hEVExsRlh3Uk0wNU8yT3kzMkgyV296MEVBTm9SY0NtbWM0b2FSc0NDU2hKNHE1MXNXaEp5cUV2d3NvYmVmV1ZMcm9IT2s?oc=5) · Dignity Memorial
- 2026-02-23 [Jerry Clerveaux, VP of Consumer Lending, at Raiz Federal Credit Union, receives prestigious award from the United Negro College Fund National Alumni Council - CUInsight](https://news.google.com/rss/articles/CBMinwJBVV95cUxQeGdXMzFFNzlLSXFhRGsxQWlGRlgwanBJaEZMekpzekhrT1V2U0JfVEJyN3pHZ2VWYm1kNWU0UzgyQ1JfQmxpNmN4TnN3WXhfN192bDQtT2paTWEwejVvRWdsX1R2V3hqdm03UjNmWkg3WnVoMEV1Vm5GaGUwbXNYdEZ0dUdOTGFHTTJXekFybnJJSlFfWWVicVZ5WjcyQkwtUDBJTlFfTVdmVUVTVFd3SjVWZzNET1ZfN3UyN3FVZXpjZVk5TFZNak5TOHpzWUVWZFZuNFk2Rk5CN1B2dEc2cUZEdEk3RUZfdUlzenJIZFN5TUx6VTdPTjNtQ3JNd2o5Z0p3LUFxLWY5Ym5xOG9UcWhFdmZhZHVoVGhNTk9Idw?oc=5) · CUInsight
- 2025-12-22 [Former Texas CU Employee Gets 10-Year Deferred Adjudication for $300K Theft - CUTimes](https://news.google.com/rss/articles/CBMirwFBVV95cUxQRDZ1ZnJpLWM1Y1hRR0ZIc2ZVYzhjYk1FVXhQSVBfUEwySjJCVWMwMU9PakM5ZGVxV3JKNVM0Z05oVjZDakpOWk5JNFB3dm4xMmlxYmtINnJBRDcxT19NYzZIVFdKd1Z3aVMzd2VJSUt1YmdfQ1lXZmU4Q2c2Mk9mYVFvYVA5Y2hkeF9lVDlsZVpNOC1WV1BoT0NSYlFRX1dEOUF4MUo3SldlQl81SmZR?oc=5) · CUTimes
- 2025-06-04 [Houston-based First Community Credit Union expanding to Central Texas - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQcl9iNFV2Ty1rQ0JPOHAwWmgwSllXREhpczF3SVdmVHRqdHdqbDBZX3VUUExWazVLY1FmamFUd1RCaXR4Rkw4OTF0RExicERGcG1iNkxQZXQ1WEJwcUt6c0JIU1FLSHJaTnRXeHlFbjNOS2JLMUxiRW9uYmt6V2F1bmh2V0RiN1BRdjE0aXVGdjBuM3hpSC1abmphWVAtNGVFU3hJ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67974 (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 "67974", 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=67974
- 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