# LONE STAR
Dallas, TX · NCUA charter 68449 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lone-star-68449

Who the members are: state charter, organized 1967, low-income designated. 11,776 members of 3,093,380 potential (0.4% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *ordinary*. 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 | $189.9M |
| Members | 11,776 (2.7% YoY) |
| Full-time staff | 38 |
| Net worth | $16.5M |
| Net worth ratio | 8.7% (p10 of band) |
| ROA (annualized) | 0.25% (p21 of band) |
| Total delinquency | 0.20% (p15 of band) |
| Net charge-offs (annualized) | 1.12% (p91 of band) |
| Loans / shares | 71% (p54 of band) |
| Cash / assets | 12.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.47% (p38 of band) |
| Operating expense / assets | 4.31% (p72 of band) |
| Vehicles % of loans | 38% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 119% (p74 of band) |
| Vehicle delinquency | 0.11% (p14 of band) |
| Vehicle NCO | 2.19% (p93 of band) |
| Repossessed % of vehicle book | 0.21% (p86 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 33% |
| Average share balance | $7,227 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.4M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $18,759 |
| Loans granted, annualized | $37.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.4M outstanding purchased (26.5% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 0.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, expense trap, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | expense trap |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 3 | expense trap | net worth falling |
| 2017-09 | 6 | capital below 7%, losing money |  |
| 2017-12 | 6 | net worth falling | expense trap |
| 2018-03 | 5 |  | losing money |
| 2018-06 | 7 | delinquency rising, members leaving |  |
| 2018-09 | 5 |  | net worth falling, members leaving |
| 2018-12 | 5 | members leaving | delinquency rising |
| 2019-03 | 3 | delinquency rising | capital below 7%, members leaving |
| 2019-06 | 2 |  | delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | delinquency rising |  |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | net worth falling | delinquency rising |
| 2021-06 | 2 |  | margin squeeze, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | 3rd-party paper>100% NW |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | thin capital |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | members leaving |  |
| 2023-06 | 2 | thin capital, net worth falling | delinquency rising, members leaving |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising | net worth falling |
| 2024-06 | 3 | 3rd-party paper>100% NW |  |
| 2024-09 | 2 | assets shrinking | thin capital, delinquency rising |
| 2024-12 | 2 | thin capital | assets shrinking |
| 2025-03 | 4 | net worth falling, charge-offs p90 |  |
| 2025-06 | 2 |  | net worth falling, charge-offs p90 |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | charge-offs p90 |  |

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

- 2026-07-28 [Houston Federal Credit Union partners with Lone Star College Foundation for student scholarships - Woodlands Online](https://news.google.com/rss/articles/CBMia0FVX3lxTE1qczV4eUUzbVU1ZG9Jc2xXZVcxT1BZdnZsNmlvbUZpU2pfQXJDS0RpZ3pnbVhTdUdIVk9jZmtrdDhQcnZTUUdoWWxYZHBUdW5JVjNGVE0tYmFVRFZTdi1jNDVEaFJWME4wWHJ3?oc=5) · Woodlands Online
- 2026-08-13 [Best Banks In Texas For 2026 - Bankrate](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5PRmVqM2xyamY3ZmlKUEwxTE9QWUZZTzlQWDRQN2tsaGNUOVZxLU5vS1k5SW9hc0ZCVmFZc09INUllaklMU0tYX3dwSHA1UEdJaXJtMzFPZ0c0aEQyODk2aXlTaw?oc=5) · Bankrate
- 2025-11-03 [Dallas Stars to be home team for the 2027 Navy Federal Credit Union NHL Stadium Series at AT&T Stadium - nhl.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPNTdyZFY2MDZyWUIzRFU1NWNVNGtuaVJZRVhtWGtDd2pJMDZ4TFpFTVJzQjBuT2VrVzR2X3M4RG85b21oQXJoV3h1SXFPcmtaRnlPWFhMeVNHVzZOTkN3NVlhQ0lpQUhVQmE1NHJ5Vi1wWkJlWG11VHR5NlFjcnBjSUx3Q0Z4Ni1Nckp5amZzcm1iNC1FTlh0Q2VTVnBhanhjYzZGaGZlYnpUZEYyWkhSRWZwYVN0RDM5eTRGUF9CQWNmejgzX25XemRXbUk4UWxtLWx5NHl1NA?oc=5) · nhl.com
- 2026-01-19 [BREAKING: Former 'Lone Star Law' game warden once again in trouble with the law - kfdm.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNWVhIeWlCUWZ2aTktZnhDWGFnLTdkeFRKSDU5UzZGdUJQVFBtMzdUaFdkWW41VHRZQ1A5Q1BWaEJKRnpwQ3RoRHFLOUV6b2pla3Q4N0phVUo0SU14LUM4RDZHaGVnSnNaM1FPNE01bUpXd1phanRXYVlSY1RoZjhDdXlOc2pCUm5NTi1rVGtScDBrVTVraldZR0Fzdw?oc=5) · kfdm.com
- 2025-11-25 [Former ‘Lone Star Law’ game warden faces additional charges in East Texas credit case - 12newsnow.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPM2tfRkFJb0pqaHRIUzBIQWx2TW1vQnNVekNVeHBGZGFLaXVWdHRkZndNbjJyR2pJOFd1eG8tV1I5Q1hzNGxhYWZxNHNoOU8zX19pVHhoWENQNmp4bjh4WnhaSm1peHNNSjRhZDdiVEtBLU82cVRKWl9VeE1ZeEkzUFlFRGxqX3AySnFwQ2plZml3UnJLQVJxLUdQRWFQV3JjcmJ2TmhyWXdTNkhEXzBscW1PSXFWazdOY2t0NmFhMlpPWHp4QmZ3N0MyWnBSTFNzdjBsel9KX2NpUEE?oc=5) · 12newsnow.com
- 2024-08-28 [Best Credit Unions to Work For with less than $200M of assets in 2024 - American Banker](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOUEUtU1pWekNmaVVuTEdHbTRESDNKVnkyZXFnS1FyMm1VMkJjQkVKZmx6dnplZUJJWkhBWDZqcng2NVdHbW1oLTJscXJTSGFXQThBdVVPNEgxV1V3bGVvOVhsTjhmYUpXMHRWVnVaNFRyZUM5WU1FdEN1OF91Z2QzSGUwSzVGQXF1VzVRYnN5TWl5Yl9qWmNBdDJhM2d2SGIyNXp6ZF9WQVlmVEg5WXVmSVE4bktteUJo?oc=5) · American Banker
- 2025-11-25 [BREAKING: New grand jury indictments against former 'Lone Star Law' game warden - kfdm.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQNThKTW50Y3lKTmNMRGNOemo0WmZQMjNWOXhwTllUSW4wTk1tVzRuZ1VSTDdzQXczM2szWHp3WWd1TGlHR0xkTFMwWXg4c3h5Z1VtRlhJbk5IcDNudkRndTYwR3h4amFkbm80WjZ0UEZfR3hqWElZeW1vOGxzQ29CeVNrbHhMYlNDUnQwRHZaYUNMZnBkTjZCVXNLNkctLXZOR1BiTm9Scw?oc=5) · kfdm.com
- 2023-05-04 [The view from Texas on the future of community banks - axios.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOVnkwUElaWFUwRl9IejFLb2RUM2ZLRG4tX0pMcjY5RWl6aDBKSU1NWUZsdFIwM0VleUJrZTNQMzJTbTQ1RVRoZ2ROUUszcGc5TmFsVGgwN20xYm80UmpmeWp1elVrLXhDU1h2TEc4TlNoN1RCRG1mSTViMzNIaXdmQkdB?oc=5) · axios.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68449 (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/33.json (key "68449", 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=68449
- 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