# HARRIS COUNTY
Houston, TX · NCUA charter 7552 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/harris-county-7552

Who the members are: federal charter, multiple common bond, organized 1951. 20,015 members of 75,000 potential (26.7% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *fortress*. 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 | $222.5M |
| Members | 20,015 (3.2% YoY) |
| Full-time staff | 31 |
| Net worth | $50.1M |
| Net worth ratio | 22.5% (p99 of band) |
| ROA (annualized) | 1.84% (p96 of band) |
| Total delinquency | 1.65% (p94 of band) |
| Net charge-offs (annualized) | 1.21% (p94 of band) |
| Loans / shares | 65% (p31 of band) |
| Cash / assets | 32.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.20% (p85 of band) |
| Operating expense / assets | 2.94% (p21 of band) |
| Vehicles % of loans | 46% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 6% |
| Third-party paper % of net worth | 6% (p25 of band) |
| Vehicle delinquency | 1.17% (p80 of band) |
| Vehicle NCO | 0.42% (p38 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 12% |
| Average share balance | $5,728 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $8,161 |
| Loans granted, annualized | $24.1M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | charge-offs p90 |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 3 | net worth falling, margin squeeze, delinquency 2x band |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 2 | members leaving |  |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 2 |  | members leaving |
| 2022-09 | 2 | members leaving | delinquency 2x band |
| 2022-12 | 3 | delinquency 2x band |  |
| 2023-03 | 2 |  | charge-offs p90 |
| 2023-06 | 2 | assets shrinking | delinquency 2x band |
| 2023-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2023-12 | 2 |  | members leaving, delinquency rising |
| 2024-03 | 2 | delinquency rising | assets shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency 2x band |  |
| 2025-06 | 0 |  | delinquency 2x band |
| 2025-09 | 2 | delinquency 2x band, charge-offs p90 |  |
| 2025-12 | 1 |  | charge-offs p90 |
| 2026-03 | 2 | charge-offs p90 |  |

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

- 2026-09-02 [The best credit unions near Houston - Chron](https://news.google.com/rss/articles/CBMiakFVX3lxTFByd3FwR2MyYUVxZW9EdktCYWRyR3lKWjlCRTBzcXlnSUN2NUYxYzNaTmZqMEdPWThnY3dHblpUTUw5STJKU05idWEyREpoOVJrSXg3MmRuay1MeUI2N3lJLVRvT21hbkpFdWc?oc=5) · Chron
- 2026-06-24 [Shell Federal Credit Union giving away free gas to drivers in Clear Lake area this morning - KHOU](https://news.google.com/rss/articles/CBMiywFBVV95cUxNYXp2Y0ZsQ1BDUWpLbmw5eEtLd2hBeTlnbDBZcXZtdXd4X2VuRnI2d3VCcDRDWlZlTGtla3NBbERJaVlfTnRXSEZnMlVsdV94TTJRUS12RHVqRkYyOUtzMm5Ed3pCSlo3MS1qNUxydVJ4a0hTMUpLNDYxWGtraXFnd1FGV1RCNXhwSEp2LXdJaTNvcXR6ak1PVVBHWnk1Y1lPOEtTVUFvRWFhTTRxT21qT3Z5MlV0M1ZEWktVZTNuV05xZVV1NW1GSEIwUQ?oc=5) · KHOU
- 2025-11-05 [Premier America Credit Union to acquire three Houston-area branches from Resource One Credit Union - CUInsight](https://news.google.com/rss/articles/CBMieEFVX3lxTE52RGMxUXd0NzRFTDVTNDNjZjRadEtnYUpvcGx2RUNvb3owNUpQQm80ay1Lb1lybHFHUkFUQUc5cWZQWm8tM0x0eENSc29rYmxWNmhVVExzVTJUMXhISjVnLVppSGJFTkZHdXlJSDBGcWpOQlRvY2gtYQ?oc=5) · CUInsight
- 2025-11-05 [Katharine Durkin Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPVGItUEZIMV9BWTA2blNRandLLUVQV2hwWmpNLTZqXzZNcWNuQ21GVXRxQUdYdDJob3hESlVXVGdNSmpnelNIdVZfZ194azBmdzRIRnVLZ2pEM3dFVHcxWHZDZWFKSHR5VTE1RWtuNmVjSDFqX25kNzVjbGt3Ui00MkE1SHppUQ?oc=5) · Dignity Memorial
- 2025-10-10 [What's open and closed on Columbus Day in Houston? Check our list. - Houston Chronicle](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPdFNCZTRHLUFhZHh4cFdITmx4Z1gyRjAyMW02SG1ZazJFSXVxejZiM3dLZ09kSF9FN0Niby1IeHlGd3QtY2d2SDFYUXgxY2NMbFFaZ3J1ZTVOYW5mbnhBTC1RYnNkeHZGWkdqMlp6SmtPdjM5dUZpRDlYTFVIZ0ZjQ0Z6aGdWSnNPcDJuUU9Qd3pOOUhfUTRERlhEcGh5NXRTTTVRdWNFaWo4Zw?oc=5) · Houston Chronicle
- 2018-04-06 [Former Harris County assistant treasurer accused of stealing more than $30,000 to pay blackmailing dominatrix - ABC13 Houston](https://news.google.com/rss/articles/CBMimwFBVV95cUxNNndRaTlHMTh3Q2ZkNHF1WUluc3R2SFF4YndmRHVaeEJVc1NDXzN6U1M5aVJncWhBeFI1eGtVY1M4VzhuVVhqd25wbUVrYmFHQ1A0QlVHMzZOR3hMc0lZbnB2R01pZU5WQm5nVi1mQTNDRFMwT0ZUcnNCRXhTZHJ4VElUdjFuV0dySGdBb2p1ZzVRb01MYTFWaGd3NNIBoAFBVV95cUxPSENOdzkzOE5NRzlxZi10bk1hV18tdk1mRElXSTdDMm93dEZ6YkRzNGFZbTh6YWFjcTc4U3RFYk1KZDVnTDhybnp1SlpCS0JPeElkZ1NyWm9GV2pIR283Wi1tZlllVVpmM09PYmRxa2lvdXNZZWNRclAyWm83VmIxVXJYQUZFNU5DMWdVeW5wdU5MSXQwYktTek9yNEhvVWhZ?oc=5) · ABC13 Houston
- 2018-04-06 [Harris County Assistant Treasurer Has Been Charged With Felony Theft - Houston Public Media](https://news.google.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?oc=5) · Houston Public Media
- 2023-11-08 [Shell Federal Credit Union opens location at Grand Parkway, Hwy. 249 | Cy-Fair - Jersey Village - Community Impact](https://news.google.com/rss/articles/CBMisgFBVV95cUxQb19HeXp0bFVOa0tpenBoUk1ZSFRrV0diaUsyOE1OWUZndkdfT0VDVVVVUFZyQTMtS0c4UDhUekRGNUxldUZsZFBxOUkwdGwxQm5vVVhIaExETEhtS0VqUjFadlJ6Vk1xeVpzenh1NTlPRWdCZEZJbnRGS0RCNko0S0djZFFpX3pXeC04Z1dqLXY0V3FUeUtWOXUwN2pNZmVFRDRjeW5SNjB3aHRlVTRCY25n?oc=5) · Community Impact

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7552 (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 "7552", 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=7552
- 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