# RESOURCE ONE
Dallas, TX · NCUA charter 68439 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/resource-one-68439

Who the members are: state charter, organized 1936, low-income designated, minority depository institution. 70,924 members of 3,500,000 potential (2.0% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $654.0M |
| Members | 70,924 (-2.9% YoY) |
| Full-time staff | 149 |
| Net worth | $49.8M |
| Net worth ratio | 7.6% (p4 of band) |
| ROA (annualized) | 0.58% (p46 of band) |
| Total delinquency | 1.56% (p95 of band) |
| Net charge-offs (annualized) | 1.08% (p90 of band) |
| Loans / shares | 79% (p44 of band) |
| Cash / assets | 13.3% |
| Borrowings / assets | 0.76% |
| Net interest margin | 3.68% (p69 of band) |
| Operating expense / assets | 5.13% (p97 of band) |
| Vehicles % of loans | 37% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 20% |
| Third-party paper % of net worth | 71% (p43 of band) |
| Vehicle delinquency | 0.49% (p43 of band) |
| Vehicle NCO | 2.25% (p88 of band) |
| Repossessed % of vehicle book | 0.43% (p94 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 23% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 18% |
| Average share balance | $4,669 |
| Participations bought / yr | $8.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $6.8M |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $18,590 |
| Loans granted, annualized | $130.1M |

## Participation posture (from the same filings)

Bought $8.0M and sold $0 in the latest annualized quarter; $6.8M outstanding purchased (13.6% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -7.6% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, charge-offs p90 |  |
| 2016-06 | 3 | delinquency 2x band |  |
| 2016-09 | 2 |  | delinquency 2x band |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | net worth falling, losing money |  |
| 2017-06 | 2 |  | net worth falling, losing money |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2018-06 | 3 |  | delinquency 2x band |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 3 | delinquency 2x band |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | net worth falling |  |
| 2019-09 | 3 | loans>95% of shares | delinquency 2x band, net worth falling |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | thin capital, net worth falling | loans>95% of shares |
| 2020-06 | 6 | margin squeeze, 3rd-party paper>100% NW |  |
| 2020-09 | 5 |  | net worth falling |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | charge-offs p90 |
| 2022-06 | 2 |  | thin capital |
| 2022-09 | 5 | thin capital, delinquency rising, charge-offs p90 |  |
| 2022-12 | 6 | net worth falling |  |
| 2023-03 | 8 | losing money, delinquency 2x band |  |
| 2023-06 | 7 |  | net worth falling |
| 2023-09 | 8 | leaning on borrowings |  |
| 2023-12 | 11 | capital below 7%, assets shrinking |  |
| 2024-03 | 10 | net worth falling, members leaving | losing money, leaning on borrowings, assets shrinking |
| 2024-06 | 8 |  | net worth falling, members leaving |
| 2024-09 | 6 |  | expense trap, delinquency rising |
| 2024-12 | 9 | losing money, expense trap, repo signal |  |
| 2025-03 | 7 | assets shrinking, loan book shrinking | delinquency 2x band, capital below 7%, losing money |
| 2025-06 | 6 | delinquency 2x band | 3rd-party paper>100% NW, repo signal |
| 2025-09 | 6 |  |  |
| 2025-12 | 8 | repo signal, members leaving |  |
| 2026-03 | 8 | delinquency rising | members leaving |

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

- 2025-11-05 [Premier America Credit Union to acquire three Houston-area branches from Resource One Credit Union - CUInsight](https://news.google.com/rss/articles/CBMieEFVX3lxTE52RGMxUXd0NzRFTDVTNDNjZjRadEtnYUpvcGx2RUNvb3owNUpQQm80ay1Lb1lybHFHUkFUQUc5cWZQWm8tM0x0eENSc29rYmxWNmhVVExzVTJUMXhISjVnLVppSGJFTkZHdXlJSDBGcWpOQlRvY2gtYQ?oc=5) · CUInsight
- 2025-11-21 [Premier America to Buy Three Credit Union Branches in Houston - CUTimes](https://news.google.com/rss/articles/CBMingFBVV95cUxQYWFBZHp0VldVbjZMelZJcGpvV1hBTkNfSlVEaE1zV2I2cEVDa1E0b1dDOURwdm5ZczZBWXl2M3dGVDc1QlI4cjVOZVBYNk10QlZmZTB6UXdQNkRzdUlJaUxVTVNiU2NGNVdCWDJWVWwtVUNDS1FKelB1Sy01MVA2azV6a1lNVDVoLUFjX1dJZ2hwU1QyUElORkZLQ2E0dw?oc=5) · CUTimes
- 2025-11-11 [North Texas consumers warn payday and title loans can spiral into debt trap - NBC 5 Dallas-Fort Worth](https://news.google.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?oc=5) · NBC 5 Dallas-Fort Worth
- 2025-10-24 [Obituary information for Richard Lee Claus - Osceola Memory Gardens](https://news.google.com/rss/articles/CBMifEFVX3lxTE1BT203bU5QQ3Ywb1Q1UG8tMGtrcVZ1RHIxa1Uxc01oeXEyY0htXzNVQzRtVWUwRkdYRUVTeG54RER5UWZRTVNoWHAtSi1XMi1ablBQOC1feG5LX2hlMmVlWTRwQ0c1d1BQQm9vdHU4SFRNeWw5X2Nfalp6VXc?oc=5) · Osceola Memory Gardens
- 2024-12-31 [Banks for Immigrants and US Non-Citizens: A Comprehensive Guide - businessinsider.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPN3RBb1NXSm5seGNfVk4wZlNKRXJad3IwQ25GTUVRdjhlSkw5THZmQ1VQUFM0TzJ0WkFWLVBqcEZLcUI3OXR2VjczeFhfaXVHNEI3c0xPVmgzb1hnMTcwaVV5dVRUenF6cS1NZWZUS2dvQ1VFZDM4RFF5NGhkU3YzSWtOYnlRWWVhOHlpUEtPRUN4aVFXTWVobmNyeDZ3SlVRRm5JTW1rcXNna0E?oc=5) · businessinsider.com
- 2010-12-03 [Reward Offered for Information Leading to the Arrest and Conviction of the Persons Responsible for the December 3, 2010 Robbery of the Bank of America Located at 330 West Irving Boulevard, Irving, Texas - fbi.gov](https://news.google.com/rss/articles/CBMi5AJBVV95cUxOX25rdF92RkF0cG9oZDV2UEVqX3ZJckRkbDRqdk15aFVzbkZxWG9oUWNMa2RwTTJFYUNKdXVKcmJyZi12MTRpRkNkTHI1T3JtUVNDdDRyQnlpMld1QnBMRHYwcVd6Nmo2MWZXV3BNNHdBbEVrc0w2Zk5wNUNnSUxlVEthUGxHaEY2TVB0ZV9tOTcxM2VIMEhqR2pqaE5ka2NqSzRVN01WeWw3NHVSWjh2S283TERyVnZYREZ1Nm1mTjJtQWNYeWpTR0hiRU10cXI0TDhXczZDdDdYUUdra2pFQnItX0JsZFlqZElkN3JMZ1NnM3N3WTgzbG16bWl6OVNma0RON1pFMGVpTF9MWmpyVzcwdVFZR2IzRDltMm1VREFoMzZmNEpZc3llMlRLT0JQZ1g0VWIyQ2FUV1pnV1M3N2JDZ3dHeGc3blV2aWZ1OW5ySzVmam10M1BzRUd5SmJqWC1DQQ?oc=5) · fbi.gov
- 2018-02-21 [James Lowe Obituary (1935 - 2018) - Dallas News](https://news.google.com/rss/articles/CBMinAFBVV95cUxPWnBQVzRFdk12S2FuM1B1UmZPVDNyekMtaDFZWEhlVFlsWl9zS3RYVThydHVQZ0dsaURiWVphNDVLUUNldDg3T0x2bEFNLWdzbTFuQ3k3Mi1nTWlnenB6Ujk5UTFjVGRwbnduMnlta2FTNXVIX29mQ3VTQ0dlNTFYbzd0T3pRcjlZSHZjcEhzTWtoNkNKV19aMlJpMDk?oc=5) · Dallas News
- 2026-04-17 [James Kenneth Ladner Obituary (2026) - Bedford, TX - Martin Thompson & Son Funeral Home & Crematory - Fort Worth - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQRU1UYnJxeF9QRVFfaU45VF80V0dDXzhZbzlTSUhidUJKVXd4aG95c1o1UTdZaWJNbjdVNWp1S0s4RGxvS1Uwa0dwM3hkZmRKbEFpQXdDN3hvQks1aWNWbHVtQng3ZzZhNXd6LXZSdVBXV2ZyX3J5NG9fOHZDcXF5Ug?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68439 (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/23.json (key "68439", 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=68439
- 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