# GOLDEN TRIANGLE
Groves, TX · NCUA charter 8298 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/golden-triangle-8298

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 2,306 members of 10,000 potential (23.1% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 70.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $38.7M |
| Members | 2,306 (-3.3% YoY) |
| Full-time staff | 9 |
| Net worth | $7.1M |
| Net worth ratio | 18.3% (p68 of band) |
| ROA (annualized) | 0.38% (p41 of band) |
| Total delinquency | 0.42% (p41 of band) |
| Net charge-offs (annualized) | 0.39% (p72 of band) |
| Loans / shares | 47% (p34 of band) |
| Cash / assets | 56.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.05% (p57 of band) |
| Operating expense / assets | 4.03% (p61 of band) |
| Vehicles % of loans | 62% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.51% (p51 of band) |
| Vehicle NCO | 0.08% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 6% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 11% |
| Average share balance | $6,672 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $9,247 |
| Loans granted, annualized | $5.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | net worth falling |  |
| 2018-03 | 0 |  | net worth falling |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | assets shrinking |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 0 |  | delinquency rising, assets shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 | margin squeeze | net worth falling |
| 2020-12 | 0 |  | margin squeeze |
| 2021-03 | 1 | margin squeeze |  |
| 2021-06 | 2 | delinquency rising |  |
| 2021-09 | 2 | delinquency 2x band | delinquency rising |
| 2021-12 | 2 | delinquency rising | delinquency 2x band |
| 2022-03 | 1 | net worth falling | margin squeeze, delinquency rising |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 3 | delinquency rising, assets shrinking, auto monoline |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | delinquency rising, members leaving | assets shrinking |
| 2024-09 | 1 |  | delinquency rising, members leaving |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 2 | net worth falling | delinquency rising |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 3 | delinquency rising, members leaving |  |
| 2026-03 | 3 | net worth falling | delinquency rising |

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

- 2026-08-25 [OMNICOMMANDER Launches New Website for Golden Triangle Federal Credit Union - EIN News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQUFo2dE1tRW9VOUp0U0o1bVFqTU5mQktBNHZJOHBveDZ6RHUxOFJtZVRKejRlUE5QOXRkTXc4akZLYVhjbi1LN1loRm5fRFktVG1wNHFQQnE4T3F0VEZld2FPdFdDTWpMTEVJNE9MRVBJdVhQTm15aWVzUGF3ZnJQa2hjNGxHMFZQRDlCVDNsZ1FScUpjcUl6TFY1LS1RSWRDc0RuQ21SaElRSkM4bEZBVUdQOFRMei1X?oc=5) · EIN News
- 2026-08-17 [Denver purchases lot for new park in Golden Triangle neighborhood - CBS News](https://news.google.com/rss/articles/CBMingFBVV95cUxNNFIzZkppN0puTmR2eEtXTG1HRkhMNzlyWDZRWTNmd0xRekktcjRNdzd1MHQ3TjhMeF9ZeXRtVXlneTJjQ0xfY3ljc05iYWI0Yi16Z2VTMkoxRF9GQ2twTWhQQ1ZpVVphVGRfQmNuQ0FEODM0VEgyZW15RFI5MjBma09PdTI4alJkWGdiS21BTUh4V3JIdUVIN2NkV2o0dw?oc=5) · CBS News
- 2024-12-13 [Groves Police looking for suspects caught on camera stealing ATM machine at credit union - 12newsnow.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNTk0wRFFSZUxJZFNkZm1YbS1QZGd1MUtuT21BWDI4RXk4UWZLRUlMQTdKalBaOEN3U2pFd01DZGhLTFFPanRyc09MZlRENFNvTjFKQzY4ZjhXc0ZGT29lUFZKOEdiZUItdk9fSGE2aFJtN0ZnenhqMnBsX3EzWE5yZ3d3ZXN5NDlETnJzNXctUkJXVDRGQXl4cGlpOXBZZ2JQd2tTc0t3dnFmckdDZ095ZGlkZ0dZSmt4M1JfQmpYTHR5akZrUzE1OFItdGt2YnpEcG10WEkzdy1XQUYwS1JrQkdR?oc=5) · 12newsnow.com
- 2024-11-10 [Obituary information for Harry Heinlein - Crespo & Jirrels](https://news.google.com/rss/articles/CBMifEFVX3lxTFBSc2VsRXBXQmpYdWszOE9vdVpzUGVvWXBEZDF0aldGaTlKb2tGTmQ5NlpLVFdrMEJpbjJuVXl3U1RSS1VpX3l0ZHFQXzctVXZQb3lFWTNydklyTUoyTFZnTzEtaXpCNlFMNmw1cmh3UXlBU2JqTnUyQjlLOGo?oc=5) · Crespo &amp; Jirrels
- 2020-09-11 [Sabine Chapter of Credit Unions helps Hurricane Laura victims in SW Louisiana - kfdm.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPQXJ6THlWRkFsbldrVG1Xb2k1T0R5S2xJZ2Fld3dMdlcwR25lNmpWTlg2UXp3V0JDUTViN3JLWlNuN3lNUlNhTEtzQ0xqT19hWXBFQmFaTWI2TU1oMkRMYVdzVkMtQ1Q1dmNrLUVxYXBhM2JkZGtNdWVtTVo3SlphMTg3dkdOTkJDa1JjWmQ4NkFsWHJlS2lNc29zUVpxOHNHc2NNdktNeTk?oc=5) · kfdm.com
- 2026-06-16 [Southeast Texas Businesses Take Center Stage at BBB Diamond Awards for Excellence - Port Arthur News](https://news.google.com/rss/articles/CBMisgFBVV95cUxOWnRZdU4tSVB0OGhMX3ZldXdhWDVxUDB4MG1laFd3eUU5V3N0ZDJ6NHlrazhoVGFGMUtLM1JqNnRoNlFRNHJQYUxEa3hUblZ3T3dtOGNSbDBKUXJnWnlWOGp6Qko2QmthamU0YnFZSWVKdF93MWxCTVFidFNIX29Vam9nSURsbjhUWW9kRHJfZTdSWkdQQ0M5dHBMcWxRajlKZzRESXN6TUpYZkc0clpTVHZ3?oc=5) · Port Arthur News
- 2024-12-23 [Robert D. (Bob) Hoepner - KOGT](https://news.google.com/rss/articles/CBMiT0FVX3lxTE1pS0lxVDhlYmtSb010Yjdza08yMWV1TzNNS0JEZTRvZklKY2R4XzRqbmNIdzJBb3dVemprdW1yUDZhUUZLbEJQa1pQRThLQXc?oc=5) · KOGT
- 2021-08-20 [John Michael "Mickey" Breaux Obituary | Levingston Funeral Home | Port Neches, TX - Tribute Archive](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPT21PXzc0TTNnMUZkcUt5TV9BcTM3R242OUZtVzhpT20ycWxEMUc3TGgyTW9Nd25hYy1RRTM2MnBRemRqLWpPWV9STGlwTHduT1BQOXpKakw1TUNRdkdweU5hb19xVW5jT0ZjQXdBUi1nakJIZVZIWWZ5MXBtZ3pNX3hSQ2U1dVZ2alRr?oc=5) · Tribute Archive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8298 (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/42.json (key "8298", 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=8298
- 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