# SOUTH TEXAS
McALLEN, TX · NCUA charter 8237 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/south-texas-8237

Who the members are: federal charter, multiple common bond, organized 1952, low-income designated, minority depository institution. 6,195 members of 142,210 potential (4.4% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $68.9M |
| Members | 6,195 (-19.9% YoY) |
| Full-time staff | 14 |
| Net worth | $5.8M |
| Net worth ratio | 8.4% (p6 of band) |
| ROA (annualized) | 0.10% (p18 of band) |
| Total delinquency | 1.20% (p78 of band) |
| Net charge-offs (annualized) | 1.21% (p92 of band) |
| Loans / shares | 31% (p5 of band) |
| Cash / assets | 38.2% |
| Borrowings / assets | 0.73% |
| Net interest margin | 3.43% (p37 of band) |
| Operating expense / assets | 3.94% (p64 of band) |
| Vehicles % of loans | 48% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.59% (p84 of band) |
| Vehicle NCO | 0.38% (p59 of band) |
| Repossessed % of vehicle book | 0.23% (p91 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 4% |
| Average share balance | $5,824 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $9,056 |
| Loans granted, annualized | $3.3M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, delinquency 2x band, auto monoline |  |
| 2016-06 | 7 | losing money, charge-offs p90 |  |
| 2016-09 | 7 |  |  |
| 2016-12 | 7 | repo signal | charge-offs p90 |
| 2017-03 | 10 | net worth falling, assets shrinking, members leaving |  |
| 2017-06 | 10 | charge-offs p90 | members leaving |
| 2017-09 | 6 |  | delinquency 2x band, net worth falling, assets shrinking, charge-offs p90 |
| 2017-12 | 6 |  |  |
| 2018-03 | 8 | expense trap, charge-offs p90 |  |
| 2018-06 | 9 | members leaving |  |
| 2018-09 | 8 | loan book shrinking | repo signal, expense trap |
| 2018-12 | 8 |  |  |
| 2019-03 | 6 |  | losing money, charge-offs p90 |
| 2019-06 | 5 | delinquency rising | auto monoline, members leaving |
| 2019-09 | 6 | repo signal |  |
| 2019-12 | 5 |  | delinquency rising |
| 2020-03 | 6 | delinquency rising |  |
| 2020-06 | 5 | net worth falling, margin squeeze | loan book shrinking, repo signal, delinquency rising |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 5 | auto monoline |  |
| 2021-03 | 6 | repo signal |  |
| 2021-06 | 4 |  | margin squeeze, repo signal |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | delinquency rising |  |
| 2022-03 | 4 |  | delinquency rising |
| 2022-06 | 2 |  | capital below 7% |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | loan book shrinking | delinquency rising |
| 2024-03 | 4 | delinquency rising |  |
| 2024-06 | 3 |  | delinquency rising |
| 2024-09 | 3 | assets shrinking | thin capital |
| 2024-12 | 5 | delinquency 2x band, delinquency rising |  |
| 2025-03 | 2 | thin capital | auto monoline, assets shrinking, delinquency 2x band, delinquency rising |
| 2025-06 | 6 | net worth falling, delinquency 2x band, delinquency rising, members leaving |  |
| 2025-09 | 4 |  | net worth falling, delinquency rising |
| 2025-12 | 4 | charge-offs p90 | delinquency 2x band |
| 2026-03 | 6 | net worth falling, delinquency rising |  |

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

- 2026-09-08 [Synergy FCU marks 46 years of service, grows commitment to Live Oak County - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxPd3U2SWo1c1poSHViNG5QSVhDSzlQeEtBdTdzbHdXV2U4RmhQUjd0QV9EZmJqXzQ5TDh5N1RCU1prV0tVVTZxMTNYcVh2MjhCNkpRZURiTVUyRlR3Rlk3VUdQb2RIR2VWUmZ6YW1uYnFPWlQxVklYRjgtNzBDbkhJSlRZVVVjV2NsRzVhM09sZWlrYUxxZFZJVHhnYlBfelVfc1BkNl9FcEpOTy1tZHJIYUxsYVdZUm1XZ043b0FhVDBmZVNFZ3FDbkNpUU14X2x5QTg0RTZsS0RZWFJ1eVB1cG9CWE5IeDg3a0N0RGZTcUxSR0RZSkhMb3c3cw?oc=5) · SouthTexasNews.com
- 2026-02-10 [Women’s Tennis Heads to Texas A&M-Corpus Christi for Showdown Matchup Wednesday - goutrgv.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxOeEpBZDNUMmF6bmFZSUE3MjJvOUhKZDR2RzE4VHpCR0JWMHl4cXpENUt6bnlxMmFESlA2bDNMc2lFSGtrMUdSZHlvZ3RWOWRiMEdmTVdETEdfQ3J5c29LNHR3Zl9TVDBwSXFQN18wRVl3RjJYUGRPdTdlLUZ2QnBRRTI2WEJHWDN5Njh1WGZ3aXJyQVZ3R2RUYXZ4bklreFczaW0wdWE2eTFLcDVhRkd4YU56XzIzVmZrdUptazJDeXo4OTFjU1ZXNWxnNA?oc=5) · goutrgv.com
- 2025-10-13 [Allred, Talarico focus on economy to vie for Latino support - The Texas Tribune](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQY0tTVnI2NHQzbnhTWDcwS1lOMFJMdFBiLWxIWThYSkZpM1FKTGJMdG8tR013N1V3VzdTR1lQZjN1QjlVNDljeFVwbUJ5RWN1UU16TDZwYW4teUJNYjZXeDhpUDRVTlhYVjBzUl93SjlreVRpTk9JMWF0ZWxfdDhacjRHVi1hRTJzVldacGEtMUNYc2FSSEhKSzF1VlJpT3NlRlFoaW96Y1paQQ?oc=5) · The Texas Tribune
- 2018-09-25 [Weslaco Chamber and South Texas Federal Credit Union to host After Hours Mixer Oct. 4 - Texas Border Business](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQRml3X2I5VGhCdWp4dzFvbnpvVWFLTWk4N25ZVDdtTDU3S3BqeVhPbTM3bUx4UC1rcUlacjBISjhQbWUyYXI2Q3FfMG5nVnI4Sl9jUVRhVkVtelRqbVpxZ1pNenNMdnJGTGhMbE1YbGlxaXVSU0w5WGhPbzdVN0FGZlV4bDhJb1d1R2wtTHU1cGdKLTAtQTlFOHUzU0xEdllzNjBTMEFZRUlKWm16MDJtanRUWE9PeGw2?oc=5) · Texas Border Business
- 2023-08-11 [Jeffrey Moats v. National Credit Union Administration Board, et al. - Pacific Legal Foundation](https://news.google.com/rss/articles/CBMiggFBVV95cUxNTUJYMDg5Z2FwVzZCWG1tSGRnRHdDWVJ3X3NEN1Q2MVduTEFvTUZ5ZDZ5SjlpODcyZzZuMFpOMFdIUXJrOGNjSlV4UWJKMTg1ZjZaUkhIYV9jbUxTRjFlVV9TY1dQdUVZaDBRYXFqRFd4YUFmbmZvTmtzWDZTN01tNF9R?oc=5) · Pacific Legal Foundation
- 2026-02-09 [Chamber honors Bee County businesses, volunteers, leaders | Beeville Bee-Picayune - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPWnM4Q0hpMkxMcktpMG4yR2lBbUVuRWxDRDZ0VXhYM1kwUmJZb29JaTB4ZFp1Wm5HZWpIRlk5TG1wejFLNWFtVnpNQ2YxWUUxTmp2Q3J1aUdLVjJPQXZKOU85bVBjanZUTzc4cGt4ajdQV0hRUTMxR19FR0VObnJmUkxiX3c2a09KNWNrbFFqb3hldVVHc2FpVWhTQzBtTWFkeTRrM0xwVTdXdWNyUjlWSWJnMlNZWHU1Rld3NjdVdlpxVzd6blNHSmd4TUxnd0UyajBXVlJqX0M5VG5oTThtLVhYU05GOVJhWXAxbUUwYw?oc=5) · SouthTexasNews.com
- 2022-11-17 [Gulf Coast Credit Union donates $1,500 to Corpus Christi charity group - kiiitv.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPQzBCa1A3VjA2R1FOQk9XSlpjaG9ZeUp3VDhycHFWNUpLS2pBdllQU1dQWFhNSC16TW5zTElYbXp2Qm9NTGVDSFNZQklJQnNKNmFTUFdGc1d6QUdZbWFYMl9vRVlZdlA3MlFPVks2LW9YdFU2b0p1dTl4NFljdGJHN3pEWXNqcV9MSlZVUXd3QjZ4bk5SVUlHeC1WbU9SVHp6NElFT3FKajJlcG1Ocktmem9qa1I?oc=5) · kiiitv.com
- 2021-05-07 [Coastal Community And Teachers Credit Union rebrands, opens new branches - Corpus Christi Caller-Times](https://news.google.com/rss/articles/CBMizwFBVV95cUxNYlQ4Q21OOGpiSnlXZEk1LUF3VnhaeTQyamRJSHlscVVzSndyU2U4c2k5SHhlMC0xV1pMQ002eUpSSmc2elZoelFVSmRERGh3Y1ByWFhiVDc4am1Wd3dTN2xBQzVpWWwxVlhkQmNuT3ozXzlPd1V1bW1sNGl1SjNibzdLdDdNNkp3NjdWNGdNakdkTy1GVF9Yc3ZOMmRSb1ZtNXEtemJKbUF6aW5aSXdwa1lZZE9OM1lrWjFwakpwMVNpZG95akZ2QUlJSFpSRDQ?oc=5) · Corpus Christi Caller-Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8237 (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/45.json (key "8237", 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=8237
- 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