# FREESTONE
Teague, TX · NCUA charter 68005 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/freestone-68005

Who the members are: state charter, organized 1952. 5,062 members of 100,000 potential (5.1% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *quiet fade*. 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 | $77.9M |
| Members | 5,062 (-9.5% YoY) |
| Full-time staff | 17 |
| Net worth | $7.8M |
| Net worth ratio | 10.0% (p22 of band) |
| ROA (annualized) | 0.25% (p24 of band) |
| Total delinquency | 0.11% (p13 of band) |
| Net charge-offs (annualized) | 0.01% (p19 of band) |
| Loans / shares | 55% (p40 of band) |
| Cash / assets | 26.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.75% (p9 of band) |
| Operating expense / assets | 3.09% (p33 of band) |
| Vehicles % of loans | 35% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.10% (p17 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 35% |
| Average share balance | $7,086 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $19,656 |
| Loans granted, annualized | $15.0M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | leaning on borrowings |  |
| 2018-03 | 1 | delinquency rising | leaning on borrowings |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | delinquency rising |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | margin squeeze |  |
| 2021-06 | 0 |  | margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | net worth falling |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 2 | delinquency rising, members leaving |  |

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

- 2026-04-17 [Teague’s ‘Best of the Best’ Named at Chamber of Commerce Banquet - Freestone County Times](https://news.google.com/rss/articles/CBMiowFBVV95cUxORGxSM1ZwRmJ3cTFnZ0oycDRBYm5PRHd3eFRJVWJEOHNDOUVERlZxUjU4ZGNWRXo0TEhqVVFSN2kzaVdYTkhkU05ub0l5UWRtRXZuOC1Bc2hlNW5yTXZtTEM0RzV4ME9UYU1nNzhqRUtDQkJQam1Bdm91MVhZejZVTFYtd0VSUjZSbXVNY0dlaVRIZnExRTRxXzhKZm5WbmhMRzZv?oc=5) · Freestone County Times
- 2026-08-28 [Get Tested To Qualify For A Position As Volunteer Deputy Registrar - Freestone County Times](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNYy03TlNUdGcxNUwyYkdCWHgzczB4YmVQWWFQSTdwTkpyZWxxR3F6VHhZY1RsOHFFbDM2WUdGRHVEM0ROS1JORHB0TFZCUGRyVVptM1psMS0zWHhyNl9vMDRUUkVQbHA3Ymg3SXZpMkhXa2xXQlQ4Z2RiWDVLVlVteXB1b3pKOTF1N01uOTAxQ2JRTmNmNHlRTFVaS292WXhMbW9GU2ZScS1WQQ?oc=5) · Freestone County Times
- 2025-07-02 [4th of July Events in Freestone County Begin Thursday - Freestone County Times](https://news.google.com/rss/articles/CBMimAFBVV95cUxQNUVEbXpsVUZHd0lRT0YzWndLYTBaWGtLS3lDWDd6SWhmaElVMEZRSFBqZVM4UDM5SHVkUzNWblFsUi10Rkl0X0E2TW1OOTNLRTByV1RrRmM3dWxlSmgzdm9jRXZGejhfcVdaZUR3OEhsLUJodmhic2V0bjVPZ3JSaWhvczBSM0sxbDJkMVNidjZBM0JwaWVZYw?oc=5) · Freestone County Times
- 2021-10-08 [Freestone County Courthouse News - Freestone County Times](https://news.google.com/rss/articles/CBMigAFBVV95cUxONXdFWjc5ME80Y3NyN3RlWm90eG96Y3RIeFp3WmtVUl9JMGtFT3JEU3F5RWZDS1A3QUtFZmJfMFk1Zmxnb0tuVVF4RFZibFA1ZlhfS3hWTEJnTjlKYk9YcDdKNGZzY2JUV2t4R0JzWFU5VzlUanR1TGRYQjkweTBmag?oc=5) · Freestone County Times
- 2025-05-23 [Woods, Waters, and Wildlife: Don’t Pet the Alligators - Freestone County Times](https://news.google.com/rss/articles/CBMikwFBVV95cUxPeTlUVDdFLXlBcV81WE5nSWFaQkpucUtJWmgxSDRxdkZNeGJiX05NaC1JNVdSNlBmMFNLTjVXN0p2d0Q3UE5YODNJLWRremhqLWtJOFVjTkFQWnpIX1JwTm9KOTlSazEyUllERG1UTHR0a2c3REZ2bENhaEVDdC16SnUtTVg0blNCUHQ1QWY5QXJmems?oc=5) · Freestone County Times
- 2017-05-18 [Community National Invests in Freestone County’s History - Freestone County Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxNZ1FkUUQtaW90bm5zUU1zZGEzYTF4R0xURmg1Sl9GNklHUVJZT2xUUExjaHVBRUEyeHh0Q3c0VnlIS0p3eUd4YUhvUGZTY05HNzhtbWN4WnBleG5NTVFnT3k5WDVZcDBacHVMNkh2dEtPVzhENkE4T0NHMmViVXJJbXM5LTVENEtLWGVwa2ZfRDFfWHJuTHd0Rmp5VQ?oc=5) · Freestone County Times
- 2020-10-02 [Freestone County Courthouse News - Freestone County Times](https://news.google.com/rss/articles/CBMigAFBVV95cUxPWTZHMWlCbW1nVElDbkNCTVdWRGdaRFpUMDRucDBQZDhBN0x5VkQtOGdhM09HNVF4bGFEVHZQeVBtS08xc2FCOS1FWDlnR3luZGFSMnIyYkV0cDRIUzl4andveWJPcUI1YzlsSEpQcGFXUDYxZ1puQjJkaUxSVzFSVA?oc=5) · Freestone County Times
- 2025-11-27 [Fairfield 8th Grade Football Team 2025 Undefeated District Champs - Freestone County Times](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQM3ZDUVhxanVTMTFIOWZfNUd3WDBxTUUwdW1YRzg5WVNDNHFubU9sZzJxeXNwYzJxQ1lOcl9VVmN2NEVjSzI1WksteEVCLXdkbXFOSjFVejVDWG40TmlhUzR2NzNBcTg4NC1LRFFtMW5VNFpJbFpILU9mYWJ5RGwydmJyT1VQWTJSRy1Kck9zcjk1bVNCYm94OURCczB6VWR3Q3p4bTFURmY?oc=5) · Freestone County Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68005 (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/37.json (key "68005", 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=68005
- 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