# UNITY ONE
Fort Worth, TX · NCUA charter 68589 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/unity-one-68589

Who the members are: state charter, organized 1934. 24,949 members of 7,609,118 potential (0.3% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $280.2M |
| Members | 24,949 (-5.9% YoY) |
| Full-time staff | 68 |
| Net worth | $23.5M |
| Net worth ratio | 8.4% (p6 of band) |
| ROA (annualized) | -0.29% (p3 of band) |
| Total delinquency | 0.70% (p59 of band) |
| Net charge-offs (annualized) | 1.03% (p89 of band) |
| Loans / shares | 60% (p21 of band) |
| Cash / assets | 18.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.73% (p62 of band) |
| Operating expense / assets | 4.38% (p79 of band) |
| Vehicles % of loans | 37% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 482% (p99 of band) |
| Vehicle delinquency | 1.03% (p78 of band) |
| Vehicle NCO | 1.98% (p90 of band) |
| Repossessed % of vehicle book | 0.12% (p75 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 16% |
| Average share balance | $6,048 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $16,619 |
| Loans granted, annualized | $32.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **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 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 2 |  | members leaving |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | loan book shrinking |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 8 | net worth falling, losing money, margin squeeze, charge-offs p90, members leaving |  |
| 2020-09 | 6 |  | loan book shrinking, members leaving |
| 2020-12 | 7 | capital below 7% | losing money |
| 2021-03 | 7 |  |  |
| 2021-06 | 6 |  | net worth falling |
| 2021-09 | 5 |  | margin squeeze |
| 2021-12 | 5 |  |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 5 | delinquency rising, members leaving | capital below 7% |
| 2022-09 | 4 |  | members leaving |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | assets shrinking | delinquency rising |
| 2023-06 | 2 |  | thin capital, charge-offs p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | thin capital |  |
| 2024-03 | 8 | net worth falling, losing money, delinquency 2x band, delinquency rising, charge-offs p90, members leaving | assets shrinking |
| 2024-06 | 7 |  | delinquency 2x band |
| 2024-09 | 6 |  | delinquency rising |
| 2024-12 | 6 | delinquency rising | net worth falling |
| 2025-03 | 5 |  | delinquency rising |
| 2025-06 | 5 |  |  |
| 2025-09 | 6 | assets shrinking |  |
| 2025-12 | 7 | loan book shrinking |  |
| 2026-03 | 6 | net worth falling | charge-offs p90, loan book shrinking |

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

- 2022-03-15 [Unity One Credit Union announces New CEO Scott Ward - CUInsight](https://news.google.com/rss/articles/CBMilwFBVV95cUxOcUxiaG1LM1FQWDAyVFFKNTd2c05yVFdlWDRRQXVZVU5QMmxodTdLRUgySjFjT1h2Wm12N3JuZjNKdFQ1aDlXenp0OTJxNXBJc2tFUXVZVXpMTW0wT21JU2dJMVNELVhjanU0OElXM04wWE5wTDlTb3FCSWNFUjJmQldUcUtTWTIzQ0E2NXF4eW52ZXlabVdV?oc=5) · CUInsight
- 2014-07-31 [Credit Union’s Love of BACON Spawns Bank Spanking Campaign - The Financial Brand](https://news.google.com/rss/articles/CBMirwFBVV95cUxNeXN1ZDVwOHpTUUJDcGFnRVBVOWxBWi03SGNsZldVMzBtWkpIVG5XNVlxUFNWZnpGSkFtZi1YTlFzaWs1dS1KN3BjVE1fVmFyc2ExcHVyTk1qcW8za3ZSU1BUQy15eWRKRWgyQktvVU1WX000VVBaZnRZMlFlOVJzVDY2bm9yWW4zWFVtYkZmMDdOMHdRMGFQU3FTTjRCWi1CQllKSTZkUktONnRiLWdN?oc=5) · The Financial Brand
- 2023-04-06 [This Southeast Texas credit union recently brought home multiple national accolades - Houston Chronicle](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPSC1vZzE5emdOdnVMS1JWQjlLbjF0MXVqUFllTGJ3TEpKcjZmQWs2U3hJUWJrWFlxWlNjaDR5RHRkbHgtY0NLelk3dHdzYkx6bjhlenY3TFdORVRRdElJaUJWS2IteXg2aUo4TVgxZ3IzSXo0aTRaNFFadlB5cnZBcmoxNGNIcHVIcTBUR2plSThUV1R2YVV5TzR3NVhhZTM2Y25ia0pUcXo?oc=5) · Houston Chronicle
- 2026-02-26 [The 2026 Class of Great Women of Texas - The Business Press](https://news.google.com/rss/articles/CBMihAFBVV95cUxQTDY5dzNrVHU4cDUwaTJSaW5nYXJkWHR0QlUzX3BLbm9FczNxbWk5NDFudFU5ZUZ6VXNTc21od0g0VHhZRWgxdHlGdVF0UDNxRi0yNU5wa0dqRU9FakYzQmNlYnRhYkxpN1ZFaC0tZDhUMzZSTVI2U1BaSVFRNnJhcTRIdXA?oc=5) · The Business Press
- 2016-06-02 [Rewarding Diversity: Executives on the Move - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxQLWE2a2dSZ0VRdFJyQ0dpVF82RzdKRW55djhCMFBabFctcFVremlsMkZfYU9pa2ctaHc5LVE5UDV5SHZhTzl4ekpQV3R4czZFUWxreWRVWGtaRTVLMkhTemg3aEhLWWl4bDZ1ckpQTDY0S2dZRUo1WGxZZXJZcXN4TS1lTHRzMkFGRXF0NzQ2MnV6cnU2eEVoaWM2X0o?oc=5) · American Banker
- 2024-04-21 [David Jake Carnes - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxPWHlSTEZwYS1PbFR6aEVqT0RkZFQ4aGk4d0NzNHEzOGNrbEdEOEpSNTViNTdNaTkxVXBMWlI4NU5NeDBzQWFmVkRIaUloZ05ZVTI1Nnh6bjc1OXVJYkpvWE9PeE5TaEM2Wk1RZnFzZUlvT1RheDRDUXU2NTlCYWlzcg?oc=5) · Legacy obituary
- 2011-06-04 [Katie Giffen Obituary - Fort Worth, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOaXNYR0hXTFRFaDVKS0pjVlAxUTFDdklnYUhZN29iMDd1SC1Jc1UzUkgxXzVyTHlwbmpxLU5uV0xMM3hxS2MxV0hTVG14MVZjbkw0M1c1UHlTd3lqbURvSDE0aExiVUdMSWY3T0ZXZmZzekloYTJpSE54UDNxRExvdHNHbw?oc=5) · Dignity Memorial
- 2026-04-09 [These women are the greatest! - The Business Press](https://news.google.com/rss/articles/CBMid0FVX3lxTE1HY3dNWkZYQ2szNDMxMXliYUo4ZnNhcVFPQW1aSV9sSldZSlhWWEo4OWdxZk03Tzc5emVGZG5tNl95UmEzNV9WYS1PeWYxTGFhSWRTRS1hUE9DMmxHLXN1QUl6MENJTmUwS2EzZktmSFlRTWc2MmdB?oc=5) · The Business Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68589 (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/45.json (key "68589", 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=68589
- 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