# NECHES
Port Neches, TX · NCUA charter 7916 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/neches-7916

Who the members are: federal charter, community charter, organized 1952. 82,912 members of 1,027,689 potential (8.1% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 68.

**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 | $1.19B |
| Members | 82,912 (3.9% YoY) |
| Full-time staff | 224 |
| Net worth | $174.1M |
| Net worth ratio | 14.7% (p92 of band) |
| ROA (annualized) | 2.09% (p99 of band) |
| Total delinquency | 0.20% (p8 of band) |
| Net charge-offs (annualized) | 0.49% (p48 of band) |
| Loans / shares | 87% (p54 of band) |
| Cash / assets | 14.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.75% (p79 of band) |
| Operating expense / assets | 3.79% (p79 of band) |
| Vehicles % of loans | 44% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 57% |
| Third-party paper % of net worth | 128% (p46 of band) |
| Vehicle delinquency | 0.18% (p9 of band) |
| Vehicle NCO | 0.62% (p26 of band) |
| Repossessed % of vehicle book | 0.07% (p47 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 25% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 37% |
| Average share balance | $6,317 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 29% |
| Average loan balance | $15,612 |
| Loans granted, annualized | $445.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | net worth falling |  |
| 2018-03 | 1 |  | net worth falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 3 | net worth falling, margin squeeze |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 1 |  | net worth falling, margin squeeze |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | delinquency rising, members leaving |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | delinquency rising, members leaving |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | expense trap |  |
| 2025-06 | 1 |  | expense trap |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-01-22 [Neches Federal Credit Union announces leadership promotions - CUInsight](https://news.google.com/rss/articles/CBMiogFBVV95cUxPZ3BDUExFdk94cHJHa2JTbENYSk5uMWpMak9YM0MxVXZtTnAzT05JajFZNGJid0tRcHR2NHZEV2NrNmVMUVVYY3dMdk5mSFZPNG4tMTNpV2gtRVJoQlM2LVd2clhtZlcyX3dLeUZab0N0NEd6QVpXMUgwZXpvSFhvSmR3MWNxbDRzZTRWNnVBNVludGdEMTRja2N5VVdOM0t5ZGc?oc=5) · CUInsight
- 2026-06-17 [Affidavit: Man part of skimming ring, stole $10,000 from Beaumont credit union customers - kfdm.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxOdEUyN2ctZkNMQzdZRFlTUk1MVEsyaDItV0xwUURNa1hrd1dzX2hUMGx4UzF5cEpNWmg3aDZqS1ZWak9ya2JOY1daaTlyNWsya2FhX0xEeWltTll4Q2hsYnJRZVBpX0xocGVXYXVmV1QyenFocjBTdXlPTXpqWjdwMGYxbFM3bFh6LXYxcS1hZHE1LXowS1lQeGdLaEoyVE1QOFZFZXJhaUlzV0VnejFFWi13?oc=5) · kfdm.com
- 2026-07-22 [Neches Federal Credit Union earns 4th straight Great Place to Work - 12newsnow.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOOWZKelQ0Z0NqSG1rQVhIeDk3OEY1UEhuVHFHNWdsQ1NRRjZfQ2Z5ZEJ0LVJNTzVuVmhDaFUxZWQ5UmhjMnR1WXZMaDlkNTlRSGRwMVFGQTk4emNERmNWRmlIR3VOV1R6eFlIQzE5NWtWanZmdDRHZGRweVZKTFFvVzQtcDhpeFA1bUpWQ3Z6bWdKaUpKX21udlI3SFExT2RFT0plVFlwajRHWGE5dC1tU0U2b2NHWWRjaHZ1QnRDdmhFdnhac2pEMzJYRXV1QmNOdFA0SmZQR0l2anhTQmJyS3otYUctbFRJOVIxZFF3?oc=5) · 12newsnow.com
- 2024-09-25 [LU partners with Neches FCU - Lamar University Press](https://news.google.com/rss/articles/CBMiggFBVV95cUxPMVNfLXE5MEM3Q0ZTOWszNGZKUENkZ3AwaVRZeTJ5ZmlFclc4cWJZckdsR0dRSnk2NUl6aHVveTMtTXlXTEdtOTk4N3dyNmlmclgyOWF4bHFZdE9rcnpkeUFlYkgxbENPUVdGWFRMeEZOOGRqVUNUS2xRRl80RF9iLTZ3?oc=5) · Lamar University Press
- 2025-03-19 [Neches Credit Union promotes two employees - Beaumont Enterprise](https://news.google.com/rss/articles/CBMiswFBVV95cUxPUWJQdjV1UnNucXJqSkd5OEhHSXJiQmpqRmtFNWIxVXBsc2Ezb01IRDRUa3dKZ29vOExVY0Q4LTNsQ2VMY2RHZDE4RzY0OFFVUHV5LUM4S096UlE1MDhSNXFQdk1XVGJBdUVxQ3RSa3FqWWxReURwcHRkR2VwZXJfcHJjVW42cnVFbVF4cXdKUGVreHJjMGZHVlhYcV9tOUhpNU1LcHlQaV8zZFlPYldXeWdqWQ?oc=5) · Beaumont Enterprise
- 2023-04-06 [This Southeast Texas credit union recently brought home multiple national accolades - Houston Chronicle](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPSC1vZzE5emdOdnVMS1JWQjlLbjF0MXVqUFllTGJ3TEpKcjZmQWs2U3hJUWJrWFlxWlNjaDR5RHRkbHgtY0NLelk3dHdzYkx6bjhlenY3TFdORVRRdElJaUJWS2IteXg2aUo4TVgxZ3IzSXo0aTRaNFFadlB5cnZBcmoxNGNIcHVIcTBUR2plSThUV1R2YVV5TzR3NVhhZTM2Y25ia0pUcXo?oc=5) · Houston Chronicle
- 2023-08-30 [Neches FCU named official Credit Union of Lamar University - kfdm.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQVGJJcC03bmVEYWZyeWkyc3VVc3BYR19ZMHMwTXF4elFkY0I2SnZYMTlEUUg2eVNQcWhraXVBMFh5MGNQY2V0cTFyV1JWR1g4Y0JGdlI2MzRGTkJFNEdSTm45c0N1cGd0cXlfSWJ5dTV4Mjg0NUxNczBLcng4MDd5My1jUEhIaDg2aEdVanl4MA?oc=5) · kfdm.com
- 2025-05-02 [Neches Federal Credit Union Proudly Announces Promotions - Port Arthur News](https://news.google.com/rss/articles/CBMikAFBVV95cUxOeVl5dWo5NVh1aDZXZ3VmRTFQN3lrSjJvRUdydGJaQjhra014SnVpSHoxTzh3Rnp3S0ZXVTA1cFV2M0FzenpramlvZDhRZHJ5UXRDMkxCSHJmcXdpcVFKbUpGTHZOVjhSVlNvRWhhSGVhRS16bU1Tbi1YWXlUZ1dlTUJSVjZhTjVrUDZQRnRLVnk?oc=5) · Port Arthur News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7916 (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/44.json (key "7916", 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=7916
- 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