# SOARION
SAN ANTONIO, TX · NCUA charter 8169 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/soarion-8169

Who the members are: federal charter, multiple common bond, organized 1952, low-income designated. 58,938 members of 80,000 potential (73.7% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 38.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $560.7M |
| Members | 58,938 (5.9% YoY) |
| Full-time staff | 123 |
| Net worth | $36.6M |
| Net worth ratio | 6.5% (p1 of band) |
| ROA (annualized) | 1.62% (p93 of band) |
| Total delinquency | 1.07% (p81 of band) |
| Net charge-offs (annualized) | 0.81% (p79 of band) |
| Loans / shares | 83% (p55 of band) |
| Cash / assets | 4.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.84% (p75 of band) |
| Operating expense / assets | 4.75% (p92 of band) |
| Vehicles % of loans | 17% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 839% (p100 of band) |
| Vehicle delinquency | 4.87% (p100 of band) |
| Vehicle NCO | 2.63% (p93 of band) |
| Repossessed % of vehicle book | 0.75% (p99 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 26% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 22% |
| Average share balance | $5,447 |
| Participations bought / yr | $91.7M |
| Participations sold / yr | $53.2M |
| Participations outstanding | $52.6M |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $18,582 |
| Loans granted, annualized | $191.6M |

## Participation posture (from the same filings)

Bought $91.7M and sold $53.2M in the latest annualized quarter; $52.6M outstanding purchased (143.5% of net worth), $106.2M sold and retained. Sold in 6 and bought in 5 of the last 8 quarters. Shares -11.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **expense trap** (`earn_opex`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | charge-offs p90 |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | net worth falling |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 4 | delinquency rising |  |
| 2018-12 | 3 |  | delinquency rising |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | auto monoline |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | loans>95% of shares |  |
| 2022-09 | 5 | delinquency rising, leaning on borrowings |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 7 | net worth falling, delinquency 2x band |  |
| 2023-06 | 6 |  | net worth falling |
| 2023-09 | 7 | auto monoline |  |
| 2023-12 | 7 | net worth falling | leaning on borrowings |
| 2024-03 | 5 |  | loans>95% of shares, net worth falling |
| 2024-06 | 6 | loans>95% of shares |  |
| 2024-09 | 8 | losing money, charge-offs p90, repo signal, assets shrinking | delinquency rising, loans>95% of shares |
| 2024-12 | 10 | capital below 7%, net worth falling, loan book shrinking | auto monoline, repo signal |
| 2025-03 | 10 |  |  |
| 2025-06 | 9 | repo signal | losing money, net worth falling |
| 2025-09 | 8 | expense trap | delinquency 2x band, repo signal |
| 2025-12 | 11 | net worth falling, losing money, delinquency 2x band, repo signal | loan book shrinking |
| 2026-03 | 7 |  | charge-offs p90, net worth falling, losing money, delinquency 2x band |

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

- 2024-09-13 [Soarion Credit Union President and CEO Ryan Ross Announces Departure - PR Newswire](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPWTFyazRnNXR5ZEVMX3d3QUF6Mlc0NXpfNjRmWmpHUzhlQ1FjUzhMM0FMNGpJVDhoZWNDNlFucFpEem5Uekhwa3FRVTR6YlZyUUh5eU1UcXU0QU5TcGNsSzFydG1YeUZFaUhydHhnNlJtVlFJWnhXYVo0RGk2ZGo4NWJ5ektLY3BHd2MwZDZldHRmTURTVW9RWng3bGVQOE9kLUs1Z2JFZWdOZXlDQnJJdm1kYXlGaGgyMnVvSUllcmpYUQ?oc=5) · PR Newswire
- 2025-06-20 [Soarion Credit Union opens first floor of new San Antonio headquarters - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOWExMQWdtSUpic01BTUdTUGZHbEw5aXd6R0JsSnc5VENJQ3lYd0JKbnJYRXI2RzFORFQzVDFWcTFxU05UbTY3dXNQM3dodFFkeTV2OFVSQmppLW1oUFF5VGRPNi1iTEJobTdIbWwyME8yZkZ1NjJqZlhEU1dIaHBiV1pEYmE1RVJ0YXFBT19lbGFCdVQ0UlROdTdYLXh6MlU1Rm1uV3MtU0FPS18zMUE?oc=5) · The Business Journals
- 2025-05-08 [Soarion Credit Union celebrates grand opening of its sixth financial center in San Antonio - CUInsight](https://news.google.com/rss/articles/CBMiywFBVV95cUxOc3MwbEJWb0QxM1UzT1hxcWhFR01FclRZNnFocnFMMXNEUElxWlNUejIzUVROUFA3VXlvNzNydkhnTFQ4TU9aZDhNMmg4ZFhyaVRvWEJQY0R4YzVpX0ZlUjlVSm1mUVUtVWhOX3U4ZDdsb2VsZmoySWRWbE03ZVBpXzhqZEVmU0gtUUs0NFduektGRHlJX2M1WURqV3dZVy1UZXFvV1lXcjQtdGlvQllXa1B0dmljcGFLSFlRZ3phdGNGbkJ3OTFlMHRZRQ?oc=5) · CUInsight
- 2024-04-24 [Soarion CEO aims to grow 72-year-old credit union with rebranding - San Antonio Express-News](https://news.google.com/rss/articles/CBMiowFBVV95cUxQR0RySlE4WjVzRWk0Q3B5V2JYQjhMbHF3LWdMam1sVUtqV0ZQUEtrdEV6Z3BYTEVGdlZ3MzJzU2kxZ01jdU1NN2ZMeENPLXQwTlh1TkxiQVo3NWZnaXhyOXRyN20wb0tvdnhzWmMwSDZZb0k5VzFna3hYX2RsOElWUi1LS2xlUG9fU0RpMXZYSm5xSmdLdVRqbWpiYkIxVUdBSTVv?oc=5) · San Antonio Express-News
- 2025-02-24 [Internal promotions help build strength of Soarion Credit Union’s leadership team - CUInsight](https://news.google.com/rss/articles/CBMivgFBVV95cUxOa0RXemxKLXRRMDIwdTdYMnpCQkE5bTllLUNQRF9haVJabF85ZjQtLWdVb2JQVDFvZUNKS2FNeURoLWNFZFR1Q3BGRmstWHkybGJ2eEdRV1lCYVV4eUltbGt1NjE5NWNZcFhhaDFZcHU2cF9NV2hST0JZcUZFLU5qQk91d2podFdjeEtVa3R6NHk5VHIwMFdHYTVRSDByZlZRODNFZ0NNUWNVNlpDQzktZS00alhYQlNoWllmZU5R?oc=5) · CUInsight
- 2025-02-04 [Soarion appoints new CFO ahead of Midtown move - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQRmNjbm0tZkpWNDlEeFE4bmowS2lFV2JBTXZiVlA3UGFGTVJ3dUFnU09CcU5ZbHpBdlNRSHdKRV9lTGdTUUFxTFZrdkE2b2VVNDRPX2FFM0lacF9FaWJiVEN1SnBMMU5RYlh1Y3ZuLWlNRFpsZnZMSkhBSGtNWHlreWl6OHQtaGV0WDdWQkZ0YVE4RTRpYm40S3JvcE1WQQ?oc=5) · The Business Journals
- 2025-04-10 [America’s Credit Unions honors Soarion Credit Union’s marketing efforts with four Diamond Awards - CUInsight](https://news.google.com/rss/articles/CBMi0AFBVV95cUxORGl3bTNZMTJta0pPYVFtZEl4VVJId1NWNG4zSnZULS0tWnNXVlEybS1TcFhkTzRnUnhEMWFraG5PR0VzU1pDemcyQmNGMUtrMlRwbER2SjByWXBlY0FyQk1vMGxPaVJMSl82TWtMa1diVnhtWU42VlVvTC0xaExxeFNNN2txQUw3VEN4VnY4QWZ1QkRqcWtOZHZubnpPc1Rscmk0elVVekk0NXV2NTN6bmJ2b1NTVE5WaDdmZDctZV9mUjdxX3pPbmQ5VU5zNmhX?oc=5) · CUInsight
- 2024-04-25 [Soarion Credit Union celebrates Ric Ledezma as newly appointed Executive VP and welcomes Hisham Eid as new assistant VP of Tech Innovation and Integration - CUInsight](https://news.google.com/rss/articles/CBMioAJBVV95cUxQSkdBbGFhaUdCXzlNblJIUWo3RXdmN2hkU295ZUhQLWNvOWJqMHVsZndPT3dCZ3FNUXlYbUl5Vm15VWNfaUc3bFU5Zl9uS1hSeE5iTi1IZ2p3akR4UHJOSmx0Vkw4b1RyeTdVckdBYWxlbFpwYWpndjNIOFV5alBfV2xDYWZkTkpnTGR2R2g1VDNTXy1NN2ZZUXo2bUliV1NKV2JBTUxZVlBERk80N2RSTTBrS1I5TTdXMnlfekFKelVLM19Td2VwWVdxZEJFMUpMVHdweVY4aGRGcWdZcFdpNVp0ZU1MTHZ6ZnAxU2QxbWt5MWVOcVFiUjlKdGRDVGJpOUlsY1dJRkw4dnhrVTQ0WkxwLURIMzNfTUNLeS1wUk4?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8169 (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/41.json (key "8169", 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=8169
- 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