# FORT WORTH COMMUNITY
Bedford, TX · NCUA charter 68471 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fort-worth-community-68471

Who the members are: state charter, organized 1940. 74,260 members of 3,566,000 potential (2.1% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 50.

**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 | $1.30B |
| Members | 74,260 (-6.6% YoY) |
| Full-time staff | 174 |
| Net worth | $136.8M |
| Net worth ratio | 10.6% (p46 of band) |
| ROA (annualized) | 0.56% (p37 of band) |
| Total delinquency | 0.63% (p51 of band) |
| Net charge-offs (annualized) | 0.86% (p80 of band) |
| Loans / shares | 53% (p4 of band) |
| Cash / assets | 14.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.86% (p20 of band) |
| Operating expense / assets | 2.69% (p24 of band) |
| Vehicles % of loans | 52% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 169% (p60 of band) |
| Vehicle delinquency | 0.18% (p8 of band) |
| Vehicle NCO | 0.66% (p28 of band) |
| Repossessed % of vehicle book | 0.05% (p41 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 32% |
| Average share balance | $9,005 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 36% |
| Average loan balance | $16,372 |
| Loans granted, annualized | $191.0M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | thin capital |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 |  | net worth falling |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | thin capital |
| 2018-12 | 3 | thin capital |  |
| 2019-03 | 4 | net worth falling |  |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | net worth falling |  |
| 2020-03 | 5 | charge-offs p90 |  |
| 2020-06 | 5 |  |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 4 |  | charge-offs p90 |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 4 | charge-offs p90 |  |
| 2021-12 | 3 |  | charge-offs p90 |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | delinquency rising | thin capital |
| 2023-06 | 4 | members leaving |  |
| 2023-09 | 5 | loan book shrinking |  |
| 2023-12 | 4 |  | loan book shrinking |
| 2024-03 | 3 |  | delinquency rising |
| 2024-06 | 4 | delinquency rising |  |
| 2024-09 | 2 |  | auto monoline, delinquency rising |
| 2024-12 | 3 | loan book shrinking |  |
| 2025-03 | 3 | net worth falling | loan book shrinking |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-03-20 [Cornerstone Resources’ executive search division places Fort Worth Community Credit Union CEO - CUInsight](https://news.google.com/rss/articles/CBMizgFBVV95cUxPa2hVOG55ekxyeWN4U25FbjhzVVdXQk8zci1veV9qM3BEc3hxNXF6eUt5WFhEUXRZZXdZd2NKV0JVLU5LZFZlZGdjV3hmbDhoUEhRaGZxODJXRl83czMyS3ZoUlBISVVreGZQVzBfM1NGUFZoSVZnODZzRzB5Vks4UngtQzQ4NFJ4akZYSUFwSlMwOUstdGdVWTF5WnNCOElaY3dVY2tHWVlyT0RrRXVtcW4xZ3JGejBQVlQ1RlRkdmI3QUQyd24wbWZvU3I3dw?oc=5) · CUInsight
- 2026-05-18 [Fort Worth Community Credit Union Announces Name Change to Worth Credit Union - The Business Press](https://news.google.com/rss/articles/CBMitwFBVV95cUxQZjNzSG5uWFRMaE5uYnpNNF9QMWItSlJpYlpNdDBaYjRDRy1TTFVOYkZTMVVpcG5wdHZwalVNdDNFektnTTJTNF90OE1kSm9aSkViQ2t4WnBNcGl0WE9IME9FVVNvMEpkbXAyaEpHT2VzOTVoX0JObC00b3F1T3lJdWRZY0RDSllHY1hZbUFMMEo1UW5ua1I1NXZGV0puWGRDc1otYVFMMUxJMUt2M1pZMEl2T21XcTg?oc=5) · The Business Press
- 2026-05-25 [Worth Credit Union Announces New President & CEO - The Business Press](https://news.google.com/rss/articles/CBMijgFBVV95cUxNM0NVQUkyNms4Y2s2aEJudDhFdEFBdnZ5WmtLcDB4OHZrOUlnX0tvMm1yd2hIbGVwektrb240N2FqTzlDYktQRHBXaEFZTjFiNzBJX3prVUhsQURsMW02V2N2ZTdqeDl4bEZxeGUxV2IxZU5Pakx6WGtoSmtHRks0OXRweE1odmJGc2ZtdHln?oc=5) · The Business Press
- 2025-12-12 [Man sentenced to 95 years in prison for 2023 'bone-chilling' Fort Worth bank shooting - WFAA](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNdTAwNlItcWViT1Fpb05CT1VWUlMyTkRGbF9wSjVJNTR3dE1nMVYyc1ZRX3ItV2t3d1NQWmt2WEhKUC1ydVg3aG9YeFpXSHRkMmpKV1pqbkg0am5XNTNhT0sycU5UVG9KVXdHTWlIMEJiWmtjRlo2YWtHYkFNOTUwZ3NobGZRVlhHcmd1WlkyRVhwaTMtQlZHdmRteWhobjNKbGhCX05fOWRtUDlvRkFaQW53NWRsNlRaeEJqUnVpX1lwVThjbnpVV2pLbEV5QVQ3aW42M3NERzVKMnI1V3RqT1JiV1c?oc=5) · WFAA
- 2025-12-11 [Deliberation continues in case against Fort Worth man who shot Tarrant Co. deputy - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMipgFBVV95cUxPbjBvR1dGQnk2RDB2TG9BTjZHamR2MzR3UFFVckJrbWc2LWpqODhOMWpHdWtIYlZtR1VQV3BrYlNaVmVGZXpGeTZNUlV0VnZmdUtyNU1aWXllam9kNzFKU2U4dnFkQnFWbjUwWUdNSzNpeHZCMW42R05mdUdtVE43eTZUTEdfT1J0REVTZDdxR2pvR1NyTVRDRG5jbnhjalpKeEpwVDdn0gGuAUFVX3lxTE54LVU3ajBNMlQzd3ZHenJ1dkhzMlo1VUh1dEQ2aUJjNEFkalV3cmw5bm16aFB4eDU5VVl3QWNVT2VUQlhtVW0wNDZ0Mzd2TUdaVndoYkdpa2Y0QjI1LUpUc01McFg2bUJEOTRLX2RJNlJ5MTRJMGllem92aDB5MzN2b1lRRkRaMXZsUVU5Q0pmOVV1UXhVNTlYUG4yc2M4dUc0aGVxR3ZHZHVOTU5xdw?oc=5) · NBC 5 Dallas-Fort Worth
- 2025-12-12 [Jury’s verdict means 95-year prison sentence for man who shot Tarrant deputy - star-telegram.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE1uZXMyY2hCQVBSTWhOSkgzdE1QUk1SNG9jSHk3eWVic2Z4Q3JRVFZQRDl5elhSSFVzYWhteU4yOEZ2N0Jkc3hNemJkSE5FZGd3VUxQU3NRalBPOHVsTmFZN2NmMGNobkdOY1lFZ3hmbzVZQmMyUjNZ?oc=5) · star-telegram.com
- 2023-11-28 [Bond raised to $1M for suspect in deputy's shooting - fox4news.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQR0Q5akVVb0dzbG5IRElSVDFZdXp1c3daMDl3ZG5sUVVfbFJsd2JmUHM3anBIYzJoSGlKN0dONWZjVEpPM0Noalh3UmwtaGZDMzBCaURoX0NMZkwyakZWTm9BQlhfVWdtQ0VQWHo2TEdzT3p1WUJGU2JqSnF0YUpuU1pINGVVd9IBiwFBVV95cUxNRWJoSWRUbDhzNGNQanIwbVlnUzJmNTl1RG9OV2hVSE1aNENXbE1hbHE4UE1aNXZjVmhnZkZ5THVRNWNSeVJKWWZvREJPZnd5T2t3NlhVRk8zNEo1V0JQV3cxT2hlLVR1VW94WnpSSF9XNERQTzM1bnFXQU81VnFPbGQ5UFpDUnZhYXA0?oc=5) · fox4news.com
- 2023-11-28 [Off-duty Tarrant County Sheriff's Office deputy Brent Brown shot in East Fort Worth - CBS News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQWW9YX2xCdkpqLWVQR093Zm1raHBSaFBjc3dlNzRFcEVCNUQ3alh0YmF1UExhTjRJY1ZrLVN2d0V6QjdkZ2dNVk1ibENtR3VMRVREdkxIN3Qta0hmOFFvbHlnMEtCT3h4ZzFEVnQ5cDMwMjdlVURMYWhkbnk4V1dQbFhoN0dvcUlwMUUtdC05Wmp6a3h1SGpKc2w2QldCN0I4ekRGS0pLTHBqUkNwTzhraWJnU3o3bnZx0gG-AUFVX3lxTE5GSk5CcmEtT2JzclRLRUUyeWlrVmNLRUR0RnpxSHAzNG9mYmlJRHBpS1NBZXRROXFyeXZlRE01ZS00djV4QnBxUzJ3ejJXaXZmMEk1Z3VBdGJhU21TRmJfNGhiX3h2My1NYUJ6YVVqcVNGME10ZHBVd3JxdWV5ZFFtSVdZeWM5SW5EN0hSV004elRPUnVTQWVVN2o2eGQxMGdVSFpIeXQ0YURYNl81MXhDMFU5MFRpUHNmY2l4OGc?oc=5) · CBS News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68471 (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/55.json (key "68471", 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=68471
- 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