# GREATER TEXAS
AUSTIN, TX · NCUA charter 7590 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/greater-texas-7590

Who the members are: federal charter, multiple common bond, organized 1952, low-income designated. 75,261 members of 1,000,000 potential (7.5% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $988.0M |
| Members | 75,261 (-1.8% YoY) |
| Full-time staff | 206 |
| Net worth | $70.1M |
| Net worth ratio | 7.1% (p2 of band) |
| ROA (annualized) | 0.45% (p33 of band) |
| Total delinquency | 0.61% (p52 of band) |
| Net charge-offs (annualized) | 0.65% (p71 of band) |
| Loans / shares | 85% (p62 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 0.70% |
| Net interest margin | 3.30% (p38 of band) |
| Operating expense / assets | 3.79% (p62 of band) |
| Vehicles % of loans | 48% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 88% |
| Third-party paper % of net worth | 506% (p99 of band) |
| Vehicle delinquency | 0.50% (p43 of band) |
| Vehicle NCO | 1.45% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 71% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 23% |
| Average share balance | $6,228 |
| Participations bought / yr | $148.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $110.7M |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $27,606 |
| Loans granted, annualized | $302.1M |

## Participation posture (from the same filings)

Bought $148.1M and sold $0 in the latest annualized quarter; $110.7M outstanding purchased (158.0% of net worth), $2.6M sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 4.1% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **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 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 3 | delinquency rising | net worth falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | delinquency rising |  |
| 2021-03 | 5 | capital below 7% | delinquency rising |
| 2021-06 | 5 |  |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 4 |  | net worth falling |
| 2022-03 | 5 | delinquency rising |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 3 |  | capital below 7% |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 5 | assets shrinking, loan book shrinking |  |
| 2023-12 | 4 | losing money | assets shrinking, loan book shrinking |
| 2024-03 | 8 | capital below 7%, net worth falling, margin squeeze |  |
| 2024-06 | 8 | members leaving | delinquency rising |
| 2024-09 | 7 |  | margin squeeze |
| 2024-12 | 6 |  | net worth falling |
| 2025-03 | 6 |  |  |
| 2025-06 | 7 | net worth falling |  |
| 2025-09 | 3 |  | losing money, capital below 7%, net worth falling |
| 2025-12 | 2 |  | members leaving |
| 2026-03 | 2 |  |  |

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

- 2025-07-10 [Araceli Speed named senior growth officer for Greater Texas Credit Union - CUInsight](https://news.google.com/rss/articles/CBMiswFBVV95cUxOUjhqTFg1VHlIbVV2YVZsdGVsNk5zNXNLbV9oNGZaMVNrRzBvaHl0eG1Kak43NG1kckl3VE1jMU5CcmFBaW5BOHIwNzJPYU1kTHRKNElPaXdsTnNlYXdUSDF3U2JHOTY4SmphSlJuT09yNEowSXNNa3N1ckFTei1QNzFUNTRLeUNBdWJ3MlgyMXQzLTJDUnFPVHlXWnViTjY3cWFNOHpFeFE2a2tzQXpLRmFrNA?oc=5) · CUInsight
- 2025-04-16 [Shaun Dawson Named Edinburg Branch Manager for Greater Texas Credit Union - Texas Border Business](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPalJTUDlKV2NkcmRINkFqNHBFc2hWUUdlQ040NWlBTF9qYlBzMXNkb2JxZmNka1hsZUF4X1F6V2p6SllwZUJlQjB2WWd5Q0RwNkxzcHl5S01ZV3g2ZUxLellxTW00VHNHSUtrRTl6dW9iSUNxQ2xkeGhoUmxMOThTbTZacGhld25fRkFWVmdlcE9RVFEzNmlGVlY2aTVnZHJQdW5uak5xRDJrQQ?oc=5) · Texas Border Business
- 2024-02-22 [Greater Texas Recognizes Longtime Partnership with Texas State University - Business Wire](https://news.google.com/rss/articles/CBMiygFBVV95cUxOMnFuZmpHczhvMTVkeU1rQ21ZeW9hYUpQUE00bHJRWnJ0ZEFDTUpXYWFHRl80V3ZSNHdXRlRENGtVdl9ra3AyeGdqbVA0bWFCRl9kQ1hIQWtjVE0waWFTSFpaZUlrMnVSUm85MnpwR24xLVlHdFBqSjlEdmdEVzBYXy1tRC04Tl8ybzRVVVVOTDdtRUJ4UjRfbHBuTmNsd2pCbHM2V0daRDFNVkNPNEFsQjlsZlNQU2pPbFdDLVVTdzE5TThDUVM0QVBn?oc=5) · Business Wire
- 2019-11-17 [Greater Texas Credit Union to build new headquarters near Apple campus in Northwest Austin - Community Impact](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOUUdTZ3dDVEtGZHVVZ003QjBsZzNOc3M4UldSVGgwRVJGODJlQ2YwM29oMkdyanVCd1FjSTlYazN3di15TVRKdFNlLTByMDlKbWJwRUhOQTBzMnNCX09NaHJaSWF0X1RieUlmcm1rWWxFLUxjVlItQlMzYkRHSUx1anhNUTlMQzhURnJGSTZJeWFEbkdGTDZkeWluTUwtZ2N5SXliSlJHcUVab0dSbmlvbW1zcWNLLUpLLXFoY1JLcEdoMjBkUUtGUWhqaENOaDBJRDgwVWF1UjlWZFBV?oc=5) · Community Impact
- 2022-03-19 [Benjamin A. Teske hired as Senior Vice President – Chief Lending Officer with Greater Texas Credit Union - CUInsight](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNQWJ5dFVCVWtWbWxXWUM0Q3p0RDJHWnVfMDQ5dDBvU1VNcjN2ZWRmTi15VmdkX0VQRjhUX0dSdzdUTFY0U2xtQWN6UlM1eHhFMGFZdTJFZDRRUGZSUFpYWk5MUE1BSnZOcWxkZXVQTFhVUExUUmY5bTBQV2E2czktTXRJaXIzaTI5dWtnN2M1QnkwQ2FES2JHMGFkOWNXSzl6YzB3dHlIdlF5WDlTMTRHazhBa010Sjl4Q2xiTWo5MEM0bEZTUGFnc3ZUOFpDYlRYY1lfXzRwQmU2QQ?oc=5) · CUInsight
- 2023-03-09 [Greater Texas Credit Union Signs Multi-Year Sponsorship with Texas State University Sports - Business Wire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPSktldVVnYVZzVEMtUGMwYzZfUVNfZjVLSG4zZFRDUEpsRDNTb0htWTBuR3dmZmNZRy1wUXNsNWgySk1sNHNwMkY1TC1rcDM5UTBfR2dFcXhrMWpoTXIzbm40VUt4UnRSV2VXNW8xM1pqZUNXaVJRSTJCeExYRkNmdXNQUUlITlhETklTemhxNkFtcFVKMUNZZzJXVE4tWS05VEc3UkI0ZUFKVVlDMlpjQ1lYZnFLMlFwQld0bFdxVmVBN0ozblAxcDlCanVnaHVmY29ybmxsTmRycXp1NHNERw?oc=5) · Business Wire
- 2022-09-14 [Greater Texas Credit Union Names David Arriola Cedar Park Branch Manager - hillcountrynews.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQWXAzdUFqeEFxU19WQXZJTXNpOHFnSk1vaGJ3d0pIQlEyU290S2NJZUxHTmg1MXR6ckluYkJzakczNy1zc1BLcWFuZVBNQmhKdTdzRXNBYmZEZmxhYnZ5MW5XMkNwUnRMb2RUWFhCNlNjN1J1LVFyeVNaRGgwVWJCX2JpcmZBX1IyYy10a1N5T2VKdVhNWVhnNU02Q0xyWnQ3WXVLbXNZblhWTVR5bzlqTTRVeTZMRnhNT25v?oc=5) · hillcountrynews.com
- 2022-03-16 [Stephanie Blanco promoted to Manor Branch Manager with Greater Texas Credit Union - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxQN0NldXZmSmtUUE14QUpudlg0Z0ZnYnBTa0l3aEhMNUp6Ni05MUdJakdCem1PSGFPekRnSUkxRlJxYzdTSVhXOUpEa0h2a1NNR1piYW0tX09RelhYMnRhUHFvSHpVUmlaRkFPU0d0NmJpUG5BUzNxNWhHNGpBUGVIVWhCYkw5SDg1RUt0dkIxNm9BVmU1VnFGOGRKNTlHMXQ1bDZTdTh2WlpIUFhNeEFSb2d1aHh6RkJQTno4ZzZRYw?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7590 (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/38.json (key "7590", 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=7590
- 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