# MY COMMUNITY
Midland, TX · NCUA charter 7676 · asset band $200-500M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/my-community-7676

Who the members are: federal charter, community charter, organized 1952, low-income designated. 28,473 members of 291,000 potential (9.8% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $335.1M |
| Members | 28,473 (– YoY) |
| Full-time staff | 99 |
| Net worth | $35.3M |
| Net worth ratio | 10.5% (p54 of band) |
| ROA (annualized) | 0.45% (p39 of band) |
| Total delinquency | 1.72% (p92 of band) |
| Net charge-offs (annualized) | 1.09% (p93 of band) |
| Loans / shares | 79% (p53 of band) |
| Cash / assets | 16.2% |
| Borrowings / assets | 2.09% |
| Net interest margin | 2.95% (p53 of band) |
| Operating expense / assets | 3.82% (p64 of band) |
| Vehicles % of loans | 63% (p91 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 52% |
| Third-party paper % of net worth | 213% (p79 of band) |
| Vehicle delinquency | 2.13% (p96 of band) |
| Vehicle NCO | 1.37% (p90 of band) |
| Repossessed % of vehicle book | 0.00% (p23 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 14% |
| Average share balance | $5,486 |
| Participations bought / yr | $13.7M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $16,836 |
| Loans granted, annualized | $114.3M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | delinquency 2x band |  |
| 2016-12 | 4 |  |  |

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

- 2024-08-14 [2024-2025 Promo Night's Announced - allenamericans.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE9Tdm5HSnpJSDM3RWxIR0prVjNRWXNvWGFsQ29LZ0w5YmRlLU90M2FHWUFTNEhJRmZySWRVREVrTl92SV9Wbm1fZVpNaEFhWjVyaUpLQ2JrRFFnLU51N1QtZkMtZlpyRzA2TFlUV1B0b2FZYnJOajNDTUFtOVI?oc=5) · allenamericans.com
- 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 - Laredo Morning Times](https://news.google.com/rss/articles/CBMingFBVV95cUxQMzROd1l2UDBOOEYxbG9pVHZRWk1xWmNzRVc4N3JUWUVqbVlaMDlaQi1ENjRsTU9XcDBSNWtqc29NS3lPYlU2OWxoYmZYdHhRVEhya2xmZmVjdFhudHM2Q2JkaVlpZXdPRkg0N1lUUHNyUElsc2RlcDBZOVJoc016MVd6TG1ZWTdjUV8zT055X1JlMU1xM2VZZHgzRHhqUQ?oc=5) · Laredo Morning Times
- 2021-04-19 [GOOD NEWS: American Momentum announces new market president - Odessa American](https://news.google.com/rss/articles/CBMingFBVV95cUxPcWw0NHlfR0F0TDZHOFg0cW1MVUhnN2k1NlJITGk2RFVHekJKdGE4ZkQwd1RVRV80RzhTby02azFLdHdFSGV6M0FtVV80UmVWMnZyVVBta3JqcWFnV3FuOXVKN0drS0g4WTlzVXBLN1IxczRVd0xZQmoxUWI5ck50TGZEZk1zaVF2dll6aWNYLWlBdWREUzAzaWg3M2dMUQ?oc=5) · Odessa American
- 2018-01-29 [Crime Stoppers hosts annual awards banquet - mrt.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPaDI5NlR4ZXpxUnhMNFJpdVN3SDF4OUxaNjNGbUp5SU8xZUF4VnZOc3lOR3BPSTI2RjVjdDVMY3BlUFhqeDN0QmhMS0JDMWpKb2pfb0ZnTGNpc1R5VWYzVnFjRlN1YkV2ajJwQmYyZlA5UVlmNnh5N2tiT0pYMTFTOE5qNUJTblFFeFhxUG5lMDdDZw?oc=5) · mrt.com
- 2026-05-12 [Yvonne Brooks Obituary (1937 - 2026) - Midland, TX - Midland Reporter-Telegram - Legacy obituary](https://news.google.com/rss/articles/CBMihwFBVV95cUxQRVVCcXhEc3ZPcFJ3S2RRZDBiSVlyUnRoMFRodTZGb2VVMk1NTkNlaTlVNjBhWXdqRlA1U2NXVVRURnB3dERfWGRhcTVxcVJlSWFWeVdueDNkZDE3VW5RbXN2VDRuNUNCWUNhSUZLWUN6X0NTM1JaRjJiYXBfRnhzRGxEV0c0aVU?oc=5) · Legacy obituary
- 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 - allenamericans.com](https://news.google.com/rss/articles/CBMiakFVX3lxTFByYm1vZkhwaUpCZV9NTzFBVWdESUFEMXhaVXRaZW1pZWd2SVgxZ2pPVmdTNzVaVlBJVm14anAxRk1uSXRDLTRUYXhUM3NKZWktcXUySEdNUGdNN2ZfYkRSSGtDMVlHVXFQanc?oc=5) · allenamericans.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7676 (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/60.json (key "7676", 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=7676
- 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