# TEXELL
Temple, TX · NCUA charter 68608 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/texell-68608

Who the members are: state charter, organized 1948, low-income designated. 54,334 members of 31,709,821 potential (0.2% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 83.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $790.7M |
| Members | 54,334 (1.3% YoY) |
| Full-time staff | 206 |
| Net worth | $82.0M |
| Net worth ratio | 10.4% (p50 of band) |
| ROA (annualized) | 1.40% (p87 of band) |
| Total delinquency | 0.51% (p42 of band) |
| Net charge-offs (annualized) | 1.09% (p91 of band) |
| Loans / shares | 89% (p75 of band) |
| Cash / assets | 7.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.02% (p87 of band) |
| Operating expense / assets | 4.62% (p89 of band) |
| Vehicles % of loans | 39% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 17% |
| Third-party paper % of net worth | 56% (p39 of band) |
| Vehicle delinquency | 0.60% (p52 of band) |
| Vehicle NCO | 0.93% (p55 of band) |
| Repossessed % of vehicle book | 0.10% (p65 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 132% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 33% |
| Average share balance | $6,365 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $26.6M |
| Loans outstanding per 100 members | 83% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $13,719 |
| Loans granted, annualized | $209.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $26.6M outstanding purchased (32.4% of net worth), $3.4M sold and retained. Sold in 7 and bought in 1 of the last 8 quarters. Shares 2.2% year over year.

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, loans>95% of shares |  |
| 2016-06 | 1 |  | expense trap |
| 2016-09 | 1 | net worth falling | loans>95% of shares |
| 2016-12 | 2 | charge-offs p90 |  |
| 2017-03 | 3 | expense trap, delinquency rising | charge-offs p90 |
| 2017-06 | 2 | loans>95% of shares | net worth falling, delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | delinquency 2x band, charge-offs p90 |  |
| 2018-06 | 2 |  | expense trap, delinquency 2x band |
| 2018-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2018-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2019-03 | 2 | net worth falling, delinquency 2x band | loans>95% of shares, charge-offs p90 |
| 2019-06 | 1 | charge-offs p90 | net worth falling, delinquency 2x band |
| 2019-09 | 2 | loans>95% of shares |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 | net worth falling | charge-offs p90, loans>95% of shares |
| 2020-06 | 2 | delinquency 2x band |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 0 |  | delinquency 2x band |
| 2021-03 | 3 | net worth falling, margin squeeze, charge-offs p90 |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 | loans>95% of shares | charge-offs p90, net worth falling |
| 2022-09 | 2 | 3rd-party paper>100% NW |  |
| 2022-12 | 3 | charge-offs p90 |  |
| 2023-03 | 2 | net worth falling | loans>95% of shares, charge-offs p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | loans>95% of shares | net worth falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | expense trap |  |
| 2024-06 | 2 |  | loans>95% of shares |
| 2024-09 | 3 | net worth falling, delinquency rising | expense trap |
| 2024-12 | 3 | expense trap, charge-offs p90 | net worth falling, delinquency rising |
| 2025-03 | 1 |  | 3rd-party paper>100% NW, charge-offs p90 |
| 2025-06 | 2 | charge-offs p90 |  |
| 2025-09 | 1 |  | charge-offs p90 |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | charge-offs p90 | expense trap |

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

- 2026-04-08 [Texell Credit Union announces new CFO - CUInsight](https://news.google.com/rss/articles/CBMihAFBVV95cUxOeWpfbm54Y1QxNWZPclZxRHl4NFhHV3NJcFlGczhkd0ZVVU50Q1Q4cjg5RTJxVkQ5WWtKVld4SUZjeXY3aE9Vd1g3MFRYMW9iQ3ltdXhrd1BBV3YzOEd0a3VfVGYwS0J0ZmhwVjdnY0V5bGF3WjdJNXJ6aWl3VHM1ZGVTQ2s?oc=5) · CUInsight
- 2020-09-08 [Local credit union reports data breach - KWTX](https://news.google.com/rss/articles/CBMie0FVX3lxTE83TzlYbUFkcFJrVGhhWk4wT3VZODVGd3NBczQtUFZZVy1LbEVhakl5QXVyOE4zdHl4OWJmX21XNUVkbFJhWW14UG9adW01dS1CaHM1dWVIdWRUeWlIc0dEM3hNZlluTVVObVJxaDRvdXlfQ2p6TGQzcmtVQdIBjwFBVV95cUxOZEJlRHVaNjNKSFJyZ2NFeXczLWdoSjZHa2ZabzhGQlYzTy1lbkQ2R09pZmtLY1R5RjZ4cWVBQ0wxM3k4QzdJRTAxSTh3MzkxTjNoSklPU3FxMmlfWC1NMFVUZ1JhS0hXTEtnN2U3WEI0OFhmQnhRMXU2OW1tbzhLNGlXRmc1Zmk5Z0ltckJRRQ?oc=5) · KWTX
- 2024-01-11 [CUREN Marking Its 25th Anniversary in 2024 - cutoday.info](https://news.google.com/rss/articles/CBMihgFBVV95cUxQY0lWSGI5WC0xRnVVNmhSYUdyWEJ1bGVZZEFJS2tFQVRKNGI1SWFkVDJSaTV3NUlKY3FKWlNLZFdQNjFUYWVLZzI4T1RSVUdJY014Q0MyTjYyeHNmTTNIQ0NvMTRxX290X1RiS2UwNGtmZ3JsWGl3NzdHS2V2OGw5Umk1Z1dEUQ?oc=5) · cutoday.info
- 2022-10-22 [Waco police, FBI investigate aggravated robbery at Woodway bank - KWTX](https://news.google.com/rss/articles/CBMipgFBVV95cUxNMDE3bmlEa0RITGJzTmt2czFsdXpsOUJTbVlLbEFzWVBJZF9DSFFYbzFNanlRVXdDZGZpdE5adGItRXNTc3FPNHhpbjh2WnVaOXRjbDFHV0tvbE4zclhWZ1RfV0dHQi1Ld3JhR0xlTjZyblZMTUN0WGpjd3MzN0w3MUZEdWxsbm8xMmJjSFVhbVFrRWVGMWxmZW5hMnRDcWRseVVjWEZ3?oc=5) · KWTX
- 2025-06-27 [City of Temple to Host 27th Annual H-E-B 4th of July Fun Fest & Fireworks Show - City of Temple Newsroom](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNdmFvU3FkUHJzd1kyTm9MZy1PRUp4b3pmV181M2xxUFZBY3NWWW9BMUV1TmF1WXJvNkRXZTRUeE9PeTg5RDhVdDhRc2hTeGJGdElTZGtNZ0xmbDBFMEJhYjlXRXZwRkVKX3U5Sk1JWnhNY0VYX3o1NHZDV05MendqYzFYa0Z3ZUFOS1oyaXlYSWNycjVVaEFodXRncl96R0cwMTNQZ1Q5WUVISE93OWxLbHlWV1RGWG9j?oc=5) · City of Temple Newsroom
- 2023-07-21 [Bank robbery suspect arrested in Waco - KWKT - FOX 44](https://news.google.com/rss/articles/CBMinAFBVV95cUxQMEEyRmlyZ3ZaOEJJWEVlSnhjczA4dU56ZlJlWngzVUpxUnVDcEZDTHNCdFA4SWlzTURkMFl0dWNKdXRDTkY4WXpqYzdxLURNVGdPajRJRnlxOU82c1h4UmR1QVpGUFdnQkVCVTlfV2kwN2NzNldjSkU1Wld6SUgzeUdsLW50d2NIVDdYX3ZxbVdNUGdXMFExcFc2eE7SAaIBQVVfeXFMUHV1OTkweGViZFZJWHRSRTRoX0trdVIzbjhwanJVRWZiN2g0MVFhN0RvaDNLaldpTlRYQ3R4d3BnUkZsRHpITXB2cmlkaWFManhDdkZueXpYUjJnUWxsQ01BUGViczAwM2xvOXdtTkdUSV9rMEc4YVN5MWhXRGxVanhSNDBMcHVqek9HVFdqaXlldGhPbGNSX1dZaURHV0Jzbzd3?oc=5) · KWKT - FOX 44
- 2025-09-11 [Thursday Night Football presented by Texell Credit Union: Killeen High vs. Lake Belton - KWTX](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNbXZUSG9IYXM5Yk9YM0wzd1BJWVVTaWY3OE51dmw1M2ktdEdpLVlTU2JacTloYWxRNllIOHRFcXNIS1V3bFlrVW9GSUNMdGJyRnJrYmFtNER1QnBkNEEzNTduaW1seTZnUmZFcEtHR2VMRzVramZRM0dpZXFJdmtUaEwzQWlYSmNrTnM1UVY0MlZRem9rOGlhSERhZ0l4cFdHQU9ISzU3NVJ1VWdTYVd1NGFjdXBqYVM0?oc=5) · KWTX
- 2020-10-02 [George Pavelka Obituary - Temple, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxOTmd6dWdiekFBNGFFcklTOFpKTk1hLU1TcnF4b1RLRUNfc19pSHFNem9LS2VLTVQ4MmY3WkpZQVg2Tm9TajVreV9ERlpFRzFCVHRoTGs4LU55MjV4SmMxTGc0MGc5S1dxMVBfNDlDSGZCRDY4dkxqbFI3RllMVHVNUw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68608 (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/0.json (key "68608", 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=68608
- 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