# TEXAS TRUST
Mansfield, TX · NCUA charter 68434 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/texas-trust-68434

Who the members are: state charter, organized 1936, low-income designated. 138,569 members of 3,716,444 potential (3.7% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $2.07B |
| Members | 138,569 (0.2% YoY) |
| Full-time staff | 331 |
| Net worth | $219.6M |
| Net worth ratio | 10.6% (p48 of band) |
| ROA (annualized) | 0.59% (p41 of band) |
| Total delinquency | 0.92% (p77 of band) |
| Net charge-offs (annualized) | 0.77% (p74 of band) |
| Loans / shares | 90% (p62 of band) |
| Cash / assets | 6.5% |
| Borrowings / assets | 7.23% |
| Net interest margin | 2.91% (p22 of band) |
| Operating expense / assets | 3.07% (p41 of band) |
| Vehicles % of loans | 38% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 190% (p65 of band) |
| Vehicle delinquency | 0.70% (p59 of band) |
| Vehicle NCO | 0.59% (p23 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 31% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 31% |
| Average share balance | $7,337 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $545,957 |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $22,346 |
| Loans granted, annualized | $529.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $545,957 outstanding purchased (0.2% of net worth), $272,721 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.8% year over year.

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2026-06-04 [Texas Trust Gives Foundation Closes Spring Food Drive to Fight Hunger - City of Arlington (.gov)](https://news.google.com/rss/articles/CBMivgFBVV95cUxQcV9VdnpRZFg3aFdKcFNyZU1XXy15eGdwcUo1eTgzcnJaUUZ2Qmsyc2NqZzVEOWRfY0lZWHgzTzh1Zy1zU1ZSbm5qVy1kVzhncEJvbXVYN2FVQ2RXTHBRY3BfSk1PaGJFYmRfUzlQNnptalcwd2RETi1pR3luNnpmZlVTWHAyUF9LOGR5X1d6Vm4zb2lKVXdWcUdwWGpnQkg3M1d1UlluN0JHOENzRzh3b21TcDJlYmNOTVdhRUtB?oc=5) · City of Arlington (.gov)
- 2026-01-12 [Texas Trust Credit Union named to Newsweek’s ‘America’s Best Regional Banks and Credit Unions 2026’ list - CUInsight](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPMVliN1Y3Q2huMzRPcWxVZXlXbEg2SkFhMm1hYWJMV3lYZkRrQjh1VW5pTTc4ZUs0b3poZExFRW8xWjY0dGdlVFhndTMyX3FPSkF1S3h6TG9iSWRtdjVZSmtlZHRKcVhkU2UxT3FRanhud1ZJdkxod0lsdTZBQ1BqWDRjVkNNZWV4NzI0bmhwaml1elA5RUlxTnVhVGNEUWVhZU54SUYzNVdaRFFVNXBkYjRFY0ctOFJ3WGFjYjZDUXJoWW5FcHVaNDhLVW9zOUZpRjhXeUM4R0o?oc=5) · CUInsight
- 2026-04-08 [Texas Trust Credit Union Acquires Arlington Tower, Plans Multimillion-dollar Renovation - D Magazine](https://news.google.com/rss/articles/CBMilAFBVV95cUxNQ1NFSmZsdmVXc3RlYy1aT3NzS3ZJYV9NZEZuYXEtazVXa2k0dk01cWVfdkRKeVFiQ2UwSmJjVHBicFBxRkRraS1BS3ppbTgxY09aYVZEdzREM2d1OEdQcWVmdTFSOFFVRXMzaVU1X096RFltMUs1dE94MGpYSlVXVjdoSU8tc3JmYlBOdHRPUWV3TG9G?oc=5) · D Magazine
- 2026-03-20 [New owner of prominent Arlington tower plans 8-figure renovations for new HQ - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxPOXBqdFFTZzc4a0lQR0VkTElVWDU4d3FBSE5GYWViYURvYzBtal9Sc2szR0otRjBmQWdzVm5HR1NzMUhfcEJjclZkeV9XODJGa1NDZWNCYnRjMWt5MUp1N2lxenhlcDhpNDBmOUVzNVZHUnZJcVhPMnVIYnJKX0J2ci12QzIxMnRJaWt4dmVGOGNtWmMycW1vcjJudWRjUQ?oc=5) · The Business Journals
- 2026-02-11 [Dr. Alan Barbee Obituary February 11, 2026 - Wade Funeral Home & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE0yVExFRjBMVmJsbnE2QjlkMG5rY1F2ZzRNd3pvazItaDhVelZ3ZmJ1OFZRQ0NJX1FTMEw0eHhrY3ltS09BRUlob3VLYTFHN3M3bDIxZy1SdDJidmZjWU43TXF0VzV6VXpRREhuWA?oc=5) · Wade Funeral Home & Crematory
- 2025-09-29 [Texas Trust Credit Union opens location at SH 360 in Mansfield - CUInsight](https://news.google.com/rss/articles/CBMipgFBVV95cUxNVmtyVzJyblVOc1BabjZ4b1FNaEZZRmJoamNJaHVUSm9meW5weGJmYWQ2OHZ4YzE3WUFVSzdIVmdfS25sOVppNDFZOXNrZXZhcXV6YldMaXRxRGNyS2xHSHltTm5qbVpVOEVWUEd2WFl2ZTZldDNfRjF2T05neWpaYVFvSUlvOFE3ZXRZdmhPTnRKeHBBRHdkQjlIQXZZNEI3YXVkeHBn?oc=5) · CUInsight
- 2024-11-21 [Texas Trust Credit Union announces move to Interstate 30 tower in Arlington - Fort Worth Report](https://news.google.com/rss/articles/CBMitgFBVV95cUxOcTBFSFJaajcyTEQxVzlIcjdFUXRkUUtIRnd2M3V5aUVDOTNEWGp0LU8wdzV1SDNyNEpXWkJ0STRnY1ozXy1INzQtYWlvQUg4c3R0SGRoWXN2X3B0NlhvSGR4UG1qTXR2TDZZQmluLUFIV1ZmSnpLY0V3aXpWUXJ4X044bDVzVTJSVm5SV1JIUFpiUGN2QUhBQVdnRUEtY0o4NG9NSElBa0NHTGtyUFJpejViN2pvQQ?oc=5) · Fort Worth Report
- 2026-04-20 [Levitt Arlington Expands Youth Spotlight Program for 2026 Season - City of Arlington (.gov)](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPWFcyaXNYR0dQaml5NkFNVVYtTUVwOGtYV1UwUk0wdzdpSl9ubm9WWlZ1QWtkX3VmZ0N4Q3pDX0JkNVJlSmo1STNMWV9uYVBZYmJjcXdnQnZTMFIybHN2MlA3ajBTM2xJSHVPZGR3UFZJWHRJbU5sTDR4clE3VnRrX2ZXOW1ubHZOU1Q3YlctUF9UTmtVTUdjeWZjTU9MQ1FPS2c3Vk8zOUVfamJNOThVbXZlQjdvcVpp?oc=5) · City of Arlington (.gov)

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68434 (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/18.json (key "68434", 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=68434
- 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