# UNION SQUARE
Wichita Falls, TX · NCUA charter 68664 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/union-square-68664

Who the members are: state charter, organized 1957, low-income designated. 35,371 members of 35,833,109 potential (0.1% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $599.4M |
| Members | 35,371 (-3.6% YoY) |
| Full-time staff | 141 |
| Net worth | $49.4M |
| Net worth ratio | 8.3% (p10 of band) |
| ROA (annualized) | 0.15% (p12 of band) |
| Total delinquency | 2.64% (p99 of band) |
| Net charge-offs (annualized) | 0.61% (p69 of band) |
| Loans / shares | 80% (p45 of band) |
| Cash / assets | 7.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.61% (p63 of band) |
| Operating expense / assets | 4.10% (p75 of band) |
| Vehicles % of loans | 28% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 89% |
| Third-party paper % of net worth | 219% (p78 of band) |
| Vehicle delinquency | 0.46% (p40 of band) |
| Vehicle NCO | 2.03% (p83 of band) |
| Repossessed % of vehicle book | 0.39% (p93 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 110% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 26% |
| Average share balance | $8,329 |
| Participations bought / yr | $42.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $20.4M |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $32,185 |
| Loans granted, annualized | $211.9M |

## Participation posture (from the same filings)

Bought $42.7M and sold $0 in the latest annualized quarter; $20.4M outstanding purchased (41.2% of net worth), $2.2M sold and retained. Sold in 3 and bought in 2 of the last 8 quarters. Shares -1.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **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 | delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 3 | repo signal |  |
| 2016-09 | 2 |  | delinquency 2x band |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | net worth falling, losing money | repo signal |
| 2018-09 | 1 |  | net worth falling, losing money |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 2 | net worth falling | delinquency rising |
| 2020-03 | 4 | losing money, delinquency rising |  |
| 2020-06 | 2 |  | losing money, delinquency rising |
| 2020-09 | 3 | delinquency rising |  |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 3 | expense trap |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | delinquency 2x band, delinquency rising | expense trap |
| 2022-03 | 3 | thin capital | delinquency 2x band, delinquency rising |
| 2022-06 | 7 | delinquency 2x band, repo signal, loans>95% of shares, leaning on borrowings |  |
| 2022-09 | 6 |  | delinquency 2x band |
| 2022-12 | 6 |  |  |
| 2023-03 | 5 |  | net worth falling |
| 2023-06 | 5 | delinquency 2x band | leaning on borrowings |
| 2023-09 | 6 | losing money, assets shrinking | delinquency 2x band |
| 2023-12 | 5 |  | loans>95% of shares |
| 2024-03 | 6 | members leaving |  |
| 2024-06 | 5 | net worth falling | repo signal, assets shrinking |
| 2024-09 | 6 | repo signal, loan book shrinking | net worth falling |
| 2024-12 | 8 | expense trap, assets shrinking |  |
| 2025-03 | 4 |  | members leaving, repo signal, loan book shrinking, expense trap |
| 2025-06 | 5 | net worth falling, loan book shrinking | assets shrinking |
| 2025-09 | 3 | delinquency rising | losing money, net worth falling, loan book shrinking |
| 2025-12 | 5 | delinquency 2x band, members leaving |  |
| 2026-03 | 5 |  |  |

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

- 2022-06-28 [Union Square Credit Union robbed, suspect caught - Texomashomepage.com](https://news.google.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?oc=5) · Texomashomepage.com
- 2017-04-19 [Retirees file suit against Union Square over benefits - Times Record News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQY1VlMFg5djc1RThxQm5IVmNsdWNmbDBNQk90WktvU3BtR281by1EYXd6QnRLd0E4Q1JMcF9WQjUzTzNEV1Y0TWNlcEtLUlEzMlFSc3A5djd1dHZERmUwUkVBNXg0SDJHY2cyNVBJMWtYdHVaVlVlMDgwajdLYVJkYWQ5Ulpmb2FFWE12NVZyRmc2eS03V3FpWVZnQmhSaE9KS1hMXzBPWjBkRjBDX3pjMmxhSW9yaW5saGR3RVkwSlg3dw?oc=5) · Times Record News
- 2022-06-28 [Union Square robbery suspect identified - Texomashomepage.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQQTFibXNja3R6OFIxZzk5YTV2V2tJZFIxWDRSSndaajd4REFtSTBFODRTdnhJeHhmRkpJaktDajFqaGFoS2gwUFFVdTBKTE1yRWlKOUtjcUJqdkxsNmpMcEp2Q3IwTEJTVTBKNXVEaW94cDlnQnVsOW11bkxrM2MtOEthdjgxTnphZzlN0gGQAUFVX3lxTFBzQndqd3loX0swUXNMUWRNZUtEM09DZW94dVlnSklfMlVIQ180Slh2czg1cjYxNGVnZnZiRlZWNE1mSk1fODk1ckhjNjY4cGVfNHU2MHRVQ212THNVeUJ3NnhhMzFCbEtCZW1xV0x1Yl9Zdko2c3EydE5CUGhUMWZnTUh4Wk5pcEpyaVhqV0hjQQ?oc=5) · Texomashomepage.com
- 2024-02-26 [Becky Alexander Obituary - Times Record News](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5IeF9fbUtYb3QxMDlwSnZiRGM5VjN6cmJzS0l4ejVhbHFhbHozN1RVdjRhQVJfOXp3RjRZODIwWTRlQ3djd2hVRUJqVnl5YmtwUkdxNnMxdlVWaHlXZ2EwSzJ3?oc=5) · Times Record News
- 2025-04-03 [Gary Charles Dobbs - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQM3JVYlotLVdUd1dhMXhUNEVPU05vUGRlc2IzUWhpWm1GaGtSSHo0dUxoWkk4WFpKTTIwVUZ2X0NQUDBqWjYwTnV3aXA2N1RkRTVNXzl6dGZrZmVFSXF3VEUtSWFoNW80SFBvYlQyQXRYaXZjVEowUnF4S2RqNHg3VTRtenE3SkRaR0VLUA?oc=5) · legacy.com
- 2017-03-24 [Matter of Record ( March 22, 2017) - Times Record News](https://news.google.com/rss/articles/CBMitAFBVV95cUxPNzVEX1JIMVlSb2tlaVNHX1A2all0RTBLVV9mb2hqcTJKSmJwdFNIUDQwUEl6UVhFaGtONjJCQVdkbHVkYVBCWFN1UGFxY0plYWxkNDZSSktfRG9DVGVOYjFOTkRtWnEwREVodUNXQWFFOGZtbi1UMW5yRkk5VFcwWUUwNVJlbkZpc2tmaWp3dnNTaG5xS1dJRlM5UDZmUmMzVTR2Vkt5NmlZVzcyTEJhQTgtYkE?oc=5) · Times Record News
- 2017-03-02 [Matter of Record ( March 1, 2017) - Times Record News](https://news.google.com/rss/articles/CBMiswFBVV95cUxNWG92dU1LMmIyU0EyeU40V3hrRmxuMVgxb29rS0NjZ2NDSl9FSmF4NHlDZ2JzYmZuWmk2UFJXOTJsYW0xNnQ3WHVJOVVuUFRsR3FIaHhKN2ZNYWw1S1NNc25KRU9zVk1FZjk4Wkx0OU1PR1FuUlpyOGFoN3dtcXhlX1NWbnBYNmF3QWk4bHdEV1dtTFltNE9OdUY0NEFpNUZiVGRQWkgtMk9FSk16RklTeUtzQQ?oc=5) · Times Record News
- 2017-07-18 [Matter of Record (July 17, 2017) - Times Record News](https://news.google.com/rss/articles/CBMitAFBVV95cUxOSkM5aWdrSXJnYmZ4QUhkSER2ZC1VbzdpZmpBQjgxREpFRmNRdEF0SXh1OEtaazFhNEtaQUJ5X3l6U09MQ0lrdnpjeHdnZDdhbXBMQmNNSUhhdTRRM0x2WUJ1UER5WFZrc0tEelNiT1pZYk1fSHQ4ZXJXSkQ4YWxscjM3QXg1bUl0MWNCcWpUd1FoalJfeG9UR3NCZE8wcm1aODh3ZFFzTU5LU21wMXJmNTlzOEI?oc=5) · Times Record News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68664 (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/56.json (key "68664", 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=68664
- 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