# MY COMMUNITY
Midland, TX · NCUA charter 68682 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/my-community-68682

Who the members are: state charter, organized 1952, low-income designated. 43,979 members of 1,754,840 potential (2.5% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 48.

**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 | $559.3M |
| Members | 43,979 (2.1% YoY) |
| Full-time staff | 118 |
| Net worth | $56.7M |
| Net worth ratio | 10.1% (p45 of band) |
| ROA (annualized) | 0.25% (p20 of band) |
| Total delinquency | 1.27% (p89 of band) |
| Net charge-offs (annualized) | 0.95% (p85 of band) |
| Loans / shares | 90% (p79 of band) |
| Cash / assets | 12.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.03% (p99 of band) |
| Operating expense / assets | 5.66% (p99 of band) |
| Vehicles % of loans | 61% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 68% |
| Third-party paper % of net worth | 403% (p97 of band) |
| Vehicle delinquency | 1.71% (p93 of band) |
| Vehicle NCO | 2.17% (p86 of band) |
| Repossessed % of vehicle book | 0.00% (p35 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 20% |
| Average share balance | $5,909 |
| Participations bought / yr | $2.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $110.0M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $21,304 |
| Loans granted, annualized | $227.0M |

## Participation posture (from the same filings)

Bought $2.2M and sold $0 in the latest annualized quarter; $110.0M outstanding purchased (193.9% of net worth), $419,358 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 9.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2017-03 | 4 | losing money, charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2017-06 | 3 |  | losing money |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | net worth falling | charge-offs p90 |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | expense trap |  |
| 2019-06 | 4 | net worth falling |  |
| 2019-09 | 3 |  | net worth falling |
| 2019-12 | 4 | delinquency rising |  |
| 2020-03 | 7 | net worth falling, losing money, delinquency 2x band |  |
| 2020-06 | 6 |  | auto monoline |
| 2020-09 | 5 |  | net worth falling |
| 2020-12 | 7 | charge-offs p90, auto monoline |  |
| 2021-03 | 8 | thin capital, net worth falling | losing money |
| 2021-06 | 5 |  | delinquency rising, thin capital, net worth falling |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 4 |  | delinquency 2x band |
| 2022-06 | 5 | loans>95% of shares |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 5 | delinquency 2x band | loans>95% of shares |
| 2023-03 | 6 | delinquency rising |  |
| 2023-06 | 6 |  |  |
| 2023-09 | 4 |  | charge-offs p90, delinquency rising |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | assets shrinking | delinquency 2x band |
| 2024-06 | 3 |  | assets shrinking |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | net worth falling | auto monoline |
| 2025-09 | 4 | delinquency 2x band, delinquency rising | net worth falling |
| 2025-12 | 3 |  | delinquency rising |
| 2026-03 | 5 | net worth falling, auto monoline |  |

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

- 2024-08-14 [2024-2025 Promo Night's Announced - Allen Americans](https://news.google.com/rss/articles/CBMifEFVX3lxTE9Tdm5HSnpJSDM3RWxIR0prVjNRWXNvWGFsQ29LZ0w5YmRlLU90M2FHWUFTNEhJRmZySWRVREVrTl92SV9Wbm1fZVpNaEFhWjVyaUpLQ2JrRFFnLU51N1QtZkMtZlpyRzA2TFlUV1B0b2FZYnJOajNDTUFtOVI?oc=5) · Allen Americans
- 2021-06-15 [Two Midland ATMs broken into, damaged overnight - newswest9.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxQWGd3Q1NyNFBydGxrWFI4eWZfVjlvMVdrd0FHdkppQ1ppZVVNVkJuVzhLWUlHY1dzRzNwNFYzX3FDVXBKUXAtckhRQUJxUXlxa2FFOXlrbmJaQ2oyU2QxZVBVVFlxOGxmWndfYTMxZ3JQc1ZqdDNvd01MRGMwZ20xMkZSVU9uZjhSNUVUXzFDNUZ4U2ZZUkNHU0JRQ2Z6aUlsUGdzMWFiaGQ2VGcxbmc2QXBGWDVWR0x0ejhsdDlOWjM4cEctZjF5ZHFPcFk?oc=5) · newswest9.com
- 2025-12-23 [By the numbers: Abstracts of judgment; state and federal tax liens - lmtonline.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQMzROd1l2UDBOOEYxbG9pVHZRWk1xWmNzRVc4N3JUWUVqbVlaMDlaQi1ENjRsTU9XcDBSNWtqc29NS3lPYlU2OWxoYmZYdHhRVEhya2xmZmVjdFhudHM2Q2JkaVlpZXdPRkg0N1lUUHNyUElsc2RlcDBZOVJoc016MVd6TG1ZWTdjUV8zT055X1JlMU1xM2VZZHgzRHhqUQ?oc=5) · lmtonline.com
- 2018-01-29 [Crime Stoppers hosts annual awards banquet - Midland Reporter-Telegram](https://news.google.com/rss/articles/CBMikgFBVV95cUxPaDI5NlR4ZXpxUnhMNFJpdVN3SDF4OUxaNjNGbUp5SU8xZUF4VnZOc3lOR3BPSTI2RjVjdDVMY3BlUFhqeDN0QmhMS0JDMWpKb2pfb0ZnTGNpc1R5VWYzVnFjRlN1YkV2ajJwQmYyZlA5UVlmNnh5N2tiT0pYMTFTOE5qNUJTblFFeFhxUG5lMDdDZw?oc=5) · Midland Reporter-Telegram
- 2021-04-19 [GOOD NEWS: American Momentum announces new market president - oaoa.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPcWw0NHlfR0F0TDZHOFg0cW1MVUhnN2k1NlJITGk2RFVHekJKdGE4ZkQwd1RVRV80RzhTby02azFLdHdFSGV6M0FtVV80UmVWMnZyVVBta3JqcWFnV3FuOXVKN0drS0g4WTlzVXBLN1IxczRVd0xZQmoxUWI5ck50TGZEZk1zaVF2dll6aWNYLWlBdWREUzAzaWg3M2dMUQ?oc=5) · oaoa.com
- 2026-05-12 [Yvonne Brooks Obituary (2026) - Midland, TX - Nalley-Pickle & Welch Funeral Home and Crematory - Midland - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOZW9UbndPS1ZYaTJBS0NfV2k4SW1tRVZVZVVRcnFsQnhZRmdZZW83a0ZvVHNKb3Jxd0VXb0hTcGJhWHhSbWRSQ1VLY1JrbUp1SnlKZDRMM1RSQ2ZtWjl2SDdnc2thUHpOU1VZcGZ0VGZvOThFZjV3U2x6Y1kzWkk4TWdB?oc=5) · legacy.com
- 2012-06-24 [James Cobb Obituary - Midland, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE5XM2FCZGNJbGU2OHFjZjhHMDh0SklhU0JiUkV1SXR4SWJzdDJiczdkbHFHQXJVOEJMcGhYMGxiNFUtUlNfSjRVbi1KSm1pckxjVkJnZ0lFS1BaM1dnWnNkNUJHOUd0d3otNXFHV21TcUh0MkNmMTgxcm4zMU0?oc=5) · Dignity Memorial
- 2025-02-15 [POLICE vs FIRE - Allen Americans](https://news.google.com/rss/articles/CBMiakFVX3lxTFByYm1vZkhwaUpCZV9NTzFBVWdESUFEMXhaVXRaZW1pZWd2SVgxZ2pPVmdTNzVaVlBJVm14anAxRk1uSXRDLTRUYXhUM3NKZWktcXUySEdNUGdNN2ZfYkRSSGtDMVlHVXFQanc?oc=5) · Allen Americans

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68682 (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/10.json (key "68682", 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=68682
- 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