# MY
Haslet, TX · NCUA charter 68545 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/my-68545

Who the members are: state charter, organized 1975. 6,441 members of 1,881,751 potential (0.3% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *auto monoline*. 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 | $58.9M |
| Members | 6,441 (16.0% YoY) |
| Full-time staff | 24 |
| Net worth | $7.3M |
| Net worth ratio | 12.3% (p45 of band) |
| ROA (annualized) | 0.21% (p22 of band) |
| Total delinquency | 0.35% (p34 of band) |
| Net charge-offs (annualized) | 0.17% (p41 of band) |
| Loans / shares | 57% (p45 of band) |
| Cash / assets | 47.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.94% (p99 of band) |
| Operating expense / assets | 5.84% (p95 of band) |
| Vehicles % of loans | 60% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.19% (p23 of band) |
| Vehicle NCO | 0.37% (p59 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 13% |
| Average share balance | $4,878 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $19,012 |
| Loans granted, annualized | $4.6M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, delinquency 2x band, auto monoline |  |
| 2016-06 | 3 |  | delinquency 2x band |
| 2016-09 | 2 |  | losing money |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 3 | losing money | delinquency rising |
| 2018-06 | 2 |  | losing money |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | members leaving |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 7 | losing money, delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2020-06 | 9 | net worth falling, expense trap, margin squeeze | delinquency rising |
| 2020-09 | 8 |  | expense trap |
| 2020-12 | 7 |  | loan book shrinking |
| 2021-03 | 8 | capital below 7% | members leaving |
| 2021-06 | 7 |  | losing money |
| 2021-09 | 6 |  | net worth falling |
| 2021-12 | 5 |  | delinquency 2x band |
| 2022-03 | 2 |  | margin squeeze, capital below 7% |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | delinquency rising, assets shrinking |  |
| 2023-03 | 3 |  | delinquency rising |
| 2023-06 | 4 | members leaving |  |
| 2023-09 | 3 |  | thin capital |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | expense trap |  |
| 2024-06 | 3 |  | expense trap |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | delinquency 2x band | members leaving |
| 2025-09 | 2 | members leaving | delinquency rising, delinquency 2x band |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | expense trap | members leaving |

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

- 2026-08-13 [The Best Credit Unions Of 2025 - Bankrate](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5ib0NLcS1PRHlua25MWkZkdDZ4bkxOeDZWZHlHenRLeTZjV0p3LW5OSUFOZ0QwQmpwZDJMMGdsQ3NFR25GeVNic0F5bnkzNHdLdTNxQUpWYXlmcEZiQ2lscVBn?oc=5) · Bankrate
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- 2025-11-20 [Q&A: Get to Know Brendon and Meghan Reily - UT Tyler](https://news.google.com/rss/articles/CBMikgFBVV95cUxQcm8tWk5lOU5Zb2JJWjZLNzNXYXktbXlveDVibEVzVy1URkRmVVNrUEFiVl9BMjl5SldBU0JqellKRlp5bUlaMjc0RW9wZGExb0tpYnJsRWpBY0UxUGswLXIxalhtZGM2aFhvb21XUVU1OTFHaTJCZjhMczRSYmlESlQ3TXdzUFkwcmVhY3RPNFAwZw?oc=5) · UT Tyler
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- 2026-08-05 [Best Credit Union Bonus Promotions (September 2026) - Best Wallet Hacks](https://news.google.com/rss/articles/CBMia0FVX3lxTFA2QXB2VnhxSnB0eVBNTEc5LUphV2s2Z2FNVVJGVHJWWWZXeGJnUzFWQ0I3dlJjQnd4WDVUOFUzZVRVbGJlMkh6aVBqZWJ4MEpoM2NaZHFTVEhra0xJVkdpOE0zMnJjUFI3aFpr?oc=5) · Best Wallet Hacks

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68545 (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/1.json (key "68545", 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=68545
- 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