# RANDOLPH-BROOKS
UNIVERSAL CITY, TX · NCUA charter 8111 · asset band >$10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/randolph-brooks-8111

Who the members are: federal charter, multiple common bond, organized 1952. 1,148,891 members of 4,478,277 potential (25.6% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *ordinary*. 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 | $19.19B |
| Members | 1,148,891 (-3.5% YoY) |
| Full-time staff | 2468 |
| Net worth | $2.53B |
| Net worth ratio | 13.2% (p88 of band) |
| ROA (annualized) | 1.02% (p62 of band) |
| Total delinquency | 1.00% (p58 of band) |
| Net charge-offs (annualized) | 0.73% (p46 of band) |
| Loans / shares | 82% (p33 of band) |
| Cash / assets | 3.3% |
| Borrowings / assets | 5.73% |
| Net interest margin | 3.36% (p62 of band) |
| Operating expense / assets | 2.65% (p67 of band) |
| Vehicles % of loans | 27% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 39% |
| Third-party paper % of net worth | 57% (p29 of band) |
| Vehicle delinquency | 1.15% (p79 of band) |
| Vehicle NCO | 1.46% (p58 of band) |
| Repossessed % of vehicle book | 0.26% (p88 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 38% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 26% |
| Average share balance | $6,141 |
| Participations bought / yr | $57.3M |
| Participations sold / yr | $91.6M |
| Participations outstanding | $1.02B |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $23,711 |
| Loans granted, annualized | $3.51B |

## Participation posture (from the same filings)

Bought $57.3M and sold $91.6M in the latest annualized quarter; $1.02B outstanding purchased (40.3% of net worth), $28.2M sold and retained. Sold in 1 and bought in 8 of the last 8 quarters. Shares 5.2% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 | leaning on borrowings | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | loans>95% of shares |  |
| 2018-03 | 3 | 3rd-party paper>100% NW |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 1 |  | leaning on borrowings, loans>95% of shares |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | losing money, margin squeeze, leaning on borrowings |  |
| 2020-06 | 3 | net worth falling | losing money, margin squeeze |
| 2020-09 | 2 |  | 3rd-party paper>100% NW |
| 2020-12 | 2 |  |  |
| 2021-03 | 0 |  | leaning on borrowings, net worth falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | net worth falling |  |
| 2021-12 | 0 |  | net worth falling |
| 2022-03 | 1 | 3rd-party paper>100% NW |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 3 | leaning on borrowings |  |
| 2023-03 | 1 |  | 3rd-party paper>100% NW, delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | members leaving |  |
| 2026-03 | 2 |  |  |

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

- 2026-08-03 [Call KENS: Randolph Brooks Federal Credit Union customers say someone scammed them - kens5.com](https://news.google.com/rss/articles/CBMijAJBVV95cUxPUDVvOFhHdXhjeUNpcnMzU05Ca3FEVWlkY1JUZEpOWWJib1pHOTJ2T0FXYXY0TzV2NGFEV0xnZEUxT19uTlBpd1NodExCV2VoRFRON3hjRlUtTTlKejNDb1R5Zm4zNEVCVWx1QVdlemJ5ekRfWHZvSUdBdXhnczFfd3FMeFdORUhxUDBYUC0zcTFhSTJtM0otRjZTTUQxeUVTYXltNEl2WGFVRVA5WHJrM3V6YTd6SE5pVjgxMERxcldWelBBMzEzMGhzRktuT0w5NU9HUWxRSEJ6RG5JMmNoWlVmZThlZVVuVHBnU1Y1amVKc1NYaHI3ZGsyUmJlYUk2LTVXcUdCcFl5MEky?oc=5) · kens5.com
- 2026-08-13 [Best Banks In Texas For 2026 - Bankrate](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5PRmVqM2xyamY3ZmlKUEwxTE9QWUZZTzlQWDRQN2tsaGNUOVZxLU5vS1k5SW9hc0ZCVmFZc09INUllaklMU0tYX3dwSHA1UEdJaXJtMzFPZ0c0aEQyODk2aXlTaw?oc=5) · Bankrate
- 2026-07-06 [Randolph-Brooks Federal Credit Union is stepping up to help fight hunger - kens5.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQbDVUMlZuSnkzTjZPdWdjZkE4NTdsd0t3TWNGZG90MW9JaXRsay1pRl93WWNmdWhxc1doYWMxUDByZjFYQk9EUDFIZnpkaG9rX3oxeEFmRzVRMHdvdmRZZGQxOEtNQkJTVmIwVWRPcFVTMVlSVURYLXF3RU9nTkxkV2RzN0gzczJvVGlTelJxeW1HV2NkeTFhRGdmU1liMlJ4eWU0M0I5VlYxSUkwb0IxbmVYeThsUUdUZEhHcGFpQ1p6b01lT1JrV05yNXlpRXBmb09UTmJkM2hsZktIOXVN?oc=5) · kens5.com
- 2026-05-11 [LeTourneau University celebrates 2026 graduates at two ceremonies - Longview News-Journal](https://news.google.com/rss/articles/CBMipAFBVV95cUxPNi1DZTJUU2JiTjdhVDVwVEhJcU82ZHM5OG9BTVJkUFBYMUFCVGpiYlN0YXJhU1RTV0htaGJNOUwyMUxmYW1IYjVQdFR4Tm5HUl9ONDFMUmpqVjItWWNLZWtDVDUzcFExaTctRzg0OTNZQUxGTzFLeEVsdGJyQm1rY3N2bllOYTVzdU1SbUNtMmwwOGVkRkJ0VHdoMmtodDYzYUVtVw?oc=5) · Longview News-Journal
- 2024-12-27 [Over 4,600 RBFCU customers’ data may be leaked in data breach, Texas AG’s office says - KSAT](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPN0NmRHhGSk9HZ1RuYnRMVGlEYmJ0U3l1aDUwd1otOF9SRTZqNlh1aXdocG90VjRWTnBzWmRHSE5ja0RuRDlfdDhCdDl5U3VvUTliMDRCZnVYYjhVbUxKX1owQzlLNXUtWUplVGUxSk9TRS16b3Q1blphNWZha0l3elZKUGt1dEc5c0F6MkJvNHUtS0FHbVJnQ3plcWczcjdVSEpMS0FuSGd3NnBMb2EyYjVsbnlFbE0yejJZNmdwMDVnZEE?oc=5) · KSAT
- 2021-12-10 [Top 10 Largest Credit Unions in the USA - FinTech Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE5SYmFMNS1ScXdXWllNMVVVM3JGb1NQbUFhdERTV2hnQUgtczZJcXFCa2VQSFdwdmhZUlBiSTRCbWFLSHdwcU9wV3JyZ1lQdzhvcDhxd2VIYnY2OHJRcGYtU2hkTVU1Z1VlaDByMkh1NGtxTFNY?oc=5) · FinTech Magazine
- 2026-07-01 [SPONSORED: RBFCU launches Stars, Stripes and Service initiative supporting North Texas Food Bank - WFAA](https://news.google.com/rss/articles/CBMipAJBVV95cUxOc2J6SkZIYUZ6bkhUekxJUzh4alg2Wk9QeU9rMWtBOThoczBjVVZyN1U5NHdScTQxRUdKNlIyUnIxWlZ2OEN4QlRDa1NmcFcxR2IwWi10NURMczdudHloajZYRmF0ZmNSVzZLVTJUeUQwV0Rva1BzemRVY2RwSG5MSkRrelF6UjNLTENka2lyMjRHdC1kZXIyZ2FlUFFQekVvdXpfM1NaRGxSSU1CNFZvRUdpNlpxendyNE5FR3hoZ2tNUjJ6cU9teWxWU2ZQelZiM093LUtDRTFkQy1DWUwxWEk1SE1WRWJBT0RPX0ZmUmphOTRnN0dGQ1A3a1BKdHg3ajk4Q0RYMTZIXzF4REMxWm5WX3FFLVZlc1B3V0VXNWR3Y0VK?oc=5) · WFAA
- 2022-01-04 [11 accused of organizing fraud scheme targeting Randolph-Brooks Federal Credit Union ATMs - WOAI](https://news.google.com/rss/articles/CBMioAJBVV95cUxNOGczVUhGd3Mta3BMZmhFLTJhOElXMUxMRjA4Y1FQc0djMnFHRUM1TEJLWHFqdEVrT1pqSFZCczg1cDRqQ3BPMzZaWkd5MzlLUWJUaTJZdlB0LXhsVTBTZlAwd2FxbmEyT1Q4bENCS3lWS1g2Z3F4Q0xoOWRUVDlHVFdIZkZvd2dpdWdvOXlfRTJreExjUlAzTXlDM2NmcDlwMWE1MVdCV3FaSnZkUGJLNVlHSHVIcXdKcHlSbWdpVkxjY2s4SE84WVMyS0FDUkYxRHEzU0l0dENTVEZCTlBWT2VOT2M1QUJfajFPYTVraHkzbTVlQ0hPS2h4ZUh0eFdsU3NHdVRHTFZDd092VTF2MlhaeG4xTkZHMkFKcUQ0aGc?oc=5) · WOAI

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8111 (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/47.json (key "8111", 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=8111
- 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