# COMMUNITY RESOURCE
Baytown, TX · NCUA charter 68021 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-resource-68021

Who the members are: state charter, organized 1935, low-income designated. 58,588 members of 5,930,136 potential (1.0% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *ordinary*. 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 | $933.6M |
| Members | 58,588 (1.0% YoY) |
| Full-time staff | 190 |
| Net worth | $98.6M |
| Net worth ratio | 10.6% (p54 of band) |
| ROA (annualized) | 1.20% (p83 of band) |
| Total delinquency | 0.60% (p51 of band) |
| Net charge-offs (annualized) | 0.50% (p57 of band) |
| Loans / shares | 89% (p77 of band) |
| Cash / assets | 5.5% |
| Borrowings / assets | 2.14% |
| Net interest margin | 3.94% (p83 of band) |
| Operating expense / assets | 5.12% (p96 of band) |
| Vehicles % of loans | 35% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 35% |
| Third-party paper % of net worth | 89% (p48 of band) |
| Vehicle delinquency | 0.23% (p17 of band) |
| Vehicle NCO | 0.60% (p34 of band) |
| Repossessed % of vehicle book | 0.10% (p67 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 121% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 26% |
| Average share balance | $6,981 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $38.6M |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $18,596 |
| Loans granted, annualized | $199.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $38.6M outstanding purchased (39.2% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 1.2% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | loans>95% of shares |  |
| 2017-03 | 4 | thin capital, net worth falling | loans>95% of shares |
| 2017-06 | 3 |  | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | net worth falling |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 2 |  | thin capital |
| 2018-12 | 3 | loans>95% of shares |  |
| 2019-03 | 4 | thin capital, net worth falling | loans>95% of shares |
| 2019-06 | 2 |  | thin capital, net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | thin capital, net worth falling |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | thin capital |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 2 |  | delinquency rising |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 4 | leaning on borrowings |  |
| 2023-12 | 5 | net worth falling |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 3 |  | expense trap, net worth falling |
| 2024-09 | 4 | expense trap |  |
| 2024-12 | 2 |  | delinquency rising, expense trap |
| 2025-03 | 2 | expense trap | leaning on borrowings |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 | leaning on borrowings | 3rd-party paper>100% NW |
| 2026-03 | 2 | delinquency rising | leaning on borrowings |

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

- 2026-06-05 [Angelyn Ash Obituary - Baytown, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5ZM0Nva0FNdGJMWGg1TE5PT0I3dG5BVUNydXZ2cWRrMlQta001VHNsRC1FTnYyd0ctbnNlMkp0bFNXZXdrcVdpeVdfUE16RkdNcDkzM3N6UElreVJWUllhZWItRVBGU3lsUl90ZmNxUUhUbzFXLW1naGlCUlVUM1U?oc=5) · Dignity Memorial
- 2013-05-04 [Jessie Robert Gaskins Obituary May 4, 2013 - pacestancil.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE9HQlJBc2llUUlzdWZCU0ZQZ0lPZ1ZzQnlVbzVFNmpsc0dtNE5KNmlRZEVzc1ZERm1PalE4MmhpOUlnb0RuREhaUzFsSS0tSHZzTkh2OUpYMVc1M3NBalQ1Q05XRjhITW5EeDNDUg?oc=5) · pacestancil.com
- 2009-07-07 [Obituary information for Peter E. Hyland - Crespo & Jirrels](https://news.google.com/rss/articles/CBMifEFVX3lxTE9HTVdfQ3I2NFZxWnNmbHhBYzFXZXgxM214YlhDSUNwR3lvT00tQ1I0bUc1NWJqRDdCRDRXczMyOG5aX1RRSzVvZTZfWl9fMktNQWZpZndTVm5meEdkU3NxSkVCQ0R1N1JmYjRqV2NSV3pZX20zaE5FbmkxTzM?oc=5) · Crespo & Jirrels
- 2024-11-11 [Whitley Penn Names Newest CEO and COO - D Magazine](https://news.google.com/rss/articles/CBMikwFBVV95cUxOSk00aGpGc2JTWEJ5VF9XQ3ZvbC1US1k0QkQtalJ4eWcxbi1nWTcybWw1MlRzVS1uWC1vck55TFV2cDhoSE1ya1dobjJ5OEkxZkY4M2xVU1g1Mm4yOWs0am1pWldwLWRfU3dWVjlhU0ZaZElvcWJ3d1JGamNJd3JNSWlYOFYzbW5xcHV3Y0w1Y294V1k?oc=5) · D Magazine
- 2013-10-10 [Humble ISD introduces new Super Staffer of the Month program - Chron](https://news.google.com/rss/articles/CBMitgFBVV95cUxQMTZaZTlQd0VUa2Z0TUJYYURvUjktaE01aVdZaHJDMV9hNHMyNEROQW5uUlhNb1lPNFhha2RNSHp0LUhPd0VLMjZlU183eDFiOUp0Z1ljb2hmdWVfNEtqdG95VEw1aWJJRDdmYlAwSExyTE5wVHlwN2RXT0ZyZ2E0SWYzc3JHWjEtcDByWm04aTctLXNRRmZWRHhkSFV5eF9HT2hqYU85SktUUjlIMHNiaFdqWGJtZw?oc=5) · Chron
- 2017-08-15 [Wayne Gray Obituary - Baytown, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE9QQ3ZOeFB4MXYtY2gwdG9WUlpNUnRjczBQVURuWm96NkJ2WmxWUXM4MEFaUW8yXzItX3A2dUdIbGFCT1N3NW42dXNoejN2UFIxdVZOY2NwdjJXMTJ1UVh1cXNtU2xIbXdCTGZRWWw2MWg2QXZLSzRmSGtocXU?oc=5) · Dignity Memorial
- 2013-05-11 [John O. Purswell - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxOQUJRbFFzTzBKSlVjTVM3UUEtV3B3akx0SXA0ZlJobEp6eUtqbmEwTHYxMDZqT25LZldZN1lpVEVHOEJQazJ6RjVnX2F1cV9UeGh2SmhELTV4YklaU25UYnE3QlpZMG1neEQ3N2ZndWprZFVudEl1N0MyTXVQOE0yZWZaUmdDSlpiQWNQOEdWZm5fOVk?oc=5) · Legacy obituary
- 2022-01-16 [Amy McAdams Obituary - Baytown, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5Nb0FHRlhWdUthSW9ra2RhRXladXVNMW5EdHZaelBDUEpRajBqNVFDNlNuZ0FlMWxsWjRYZHlyUXBHMm85MF82TEtxODlWSXFJaXd2YWtzRWtTYkNRRjNaVVV3TElOTDN2c2V2MDhZX0FQcVdqS2RSS1NmdW94WEE?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68021 (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/53.json (key "68021", 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=68021
- 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