# UNITED COMMUNITY
Houston, TX · NCUA charter 68369 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/united-community-68369

Who the members are: state charter, organized 1950, minority depository institution. 13,596 members of 120,000 potential (11.3% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 58.

**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 | $127.0M |
| Members | 13,596 (-0.9% YoY) |
| Full-time staff | 49 |
| Net worth | $15.1M |
| Net worth ratio | 11.9% (p52 of band) |
| ROA (annualized) | 0.94% (p65 of band) |
| Total delinquency | 0.98% (p73 of band) |
| Net charge-offs (annualized) | 1.10% (p91 of band) |
| Loans / shares | 79% (p68 of band) |
| Cash / assets | 16.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.72% (p91 of band) |
| Operating expense / assets | 5.79% (p95 of band) |
| Vehicles % of loans | 62% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 3% |
| Third-party paper % of net worth | 12% (p43 of band) |
| Vehicle delinquency | 0.56% (p50 of band) |
| Vehicle NCO | 0.67% (p59 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 16% |
| Average share balance | $4,423 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $440,656 |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $11,305 |
| Loans granted, annualized | $19.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $440,656 outstanding purchased (2.9% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares -1.7% year over year.

## 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 | 5 | thin capital, expense trap, loans>95% of shares, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 4 |  | thin capital |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | delinquency rising |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 | net worth falling, charge-offs p90 | loans>95% of shares, delinquency rising |
| 2018-03 | 5 |  |  |
| 2018-06 | 3 |  | net worth falling, charge-offs p90 |
| 2018-09 | 2 |  | 3rd-party paper>100% NW |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 4 | net worth falling, charge-offs p90 | delinquency rising |
| 2020-06 | 5 | margin squeeze |  |
| 2020-09 | 3 |  | net worth falling, charge-offs p90 |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | thin capital, charge-offs p90 |  |
| 2021-06 | 3 |  | margin squeeze, charge-offs p90 |
| 2021-09 | 2 |  | thin capital |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 6 | delinquency 2x band, charge-offs p90, members leaving |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 5 |  | members leaving |
| 2023-03 | 4 |  | delinquency 2x band |
| 2023-06 | 2 |  | delinquency rising, charge-offs p90 |
| 2023-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 3 | charge-offs p90 | delinquency 2x band |
| 2024-06 | 4 | members leaving |  |
| 2024-09 | 3 | delinquency 2x band | charge-offs p90, members leaving |
| 2024-12 | 3 |  |  |
| 2025-03 | 5 | delinquency rising, charge-offs p90 |  |
| 2025-06 | 3 |  | delinquency 2x band, delinquency rising |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

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

- 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
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- 2026-02-25 [Crosby-Huffman chamber celebrates excellence at awards banquet - Star-Courier News](https://news.google.com/rss/articles/CBMipgFBVV95cUxOeUd3UXFYMkU3cGJHbU5ZUGR3a2N1Y2I4OThzT1U1eFpIcno4RTBWUDgwMFhEaW50U0lvdjQ0bXNTaU5FVnFNeHZvVlRMZFc1VzBiSnRXVzJVTVpXRjF5NFJ2SXlQcnV5QWo3NjR4cHhjTVBiLTZXTmh0RU5TRjZaZXE3VHN0Z3c5eGhjOUlEQjNwN05McDVCTjNrU0pRY015N1pmdE93?oc=5) · Star-Courier News
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Missouri - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRDF3OFZvcm1iNjJwY0VPQmx6bVZJT19UcUFneHFaRmJXN2N5TndPa3lrM3A5ekFsUWVBSHBHaV9hRGNzcC12Q1JJcjlhZjRrbEFpTFJUTEtQUzJnczNNeEgyZzlJZzBnNW56cDFSN01zU0tad2lqYlVuTkk5TUR0R0xQWE9RaXFxYWEzM1dRZw?oc=5) · Newsweek Rankings
- 2011-06-02 [Banks Where You Can Still Count Your Change - The New York Times Web Archive](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNemlqV2Z3SzE5ZEtwMmo3b0Y3NWt5TUhKMkc4WVE4YzBwYVM5R19vRy13eGNMeUdWNFpDV0ctc09MRmIyQ3FyMnZ4SUxMLWRDSEZIWEdaYksyTzE5NEpZX2lGSVk3cWxZdk9xSzNhSzl2TW1ON1lYdXJzZGNVcXJyTUZrdHNqZ251b1NjR0JyYTBlRjFxZDNNbXM3UjB6ZnljdGNYQmZGU0hvWWc?oc=5) · The New York Times Web Archive
- 2023-12-15 [Oxford United community destination home plans - coliseum-online.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPem1OM28tdUtyejB3MGcyR2k2NGREeTVVRHlQVmlFaHEyRFpDSm10UFJtMlFKdUM4SmNOb1pwZnlzVjNMYTlaNGhNZTBzb1dxcVJtTjYzcXF5ak5pellKQ1FwaWxjcGpNbmpUcmNlbU1pajVfNDRJUmR2VkRiREM2dlVsVXc4UdIBiwFBVV95cUxNRzRiaEtjZDNTbU1xR1JiVkNVbVRkczBIZ1hEUmNOSE54b3M0TTJ4bEhid2FiVm5tS2pqZVctSExoUlBIZXRLVUYtY1ROdkUxckpibFhhbVBQNS1OLWZfS1VnOEFHMUF4aHhEazRFUk5JdkxsMEE2eTNjSEEzUWxsUWFQcDV4OXJiTnI4?oc=5) · coliseum-online.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68369 (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/17.json (key "68369", 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=68369
- 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