# TEXAS PARTNERS
KILLEEN, TX · NCUA charter 8676 · asset band $100-200M · latest filing 2018-09 · stopped filing after 2018-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/texas-partners-8676

Who the members are: federal charter, community charter, organized 1953, low-income designated. 18,839 members of 312,000 potential (6.0% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $156.3M |
| Members | 18,839 (-2.0% YoY) |
| Full-time staff | 51 |
| Net worth | $11.5M |
| Net worth ratio | 7.4% (p2 of band) |
| ROA (annualized) | 1.02% (p79 of band) |
| Total delinquency | 0.53% (p41 of band) |
| Net charge-offs (annualized) | 0.41% (p59 of band) |
| Loans / shares | 52% (p11 of band) |
| Cash / assets | 19.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.96% (p30 of band) |
| Operating expense / assets | 3.55% (p43 of band) |
| Vehicles % of loans | 54% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 17% (p44 of band) |
| Vehicle delinquency | 0.67% (p61 of band) |
| Vehicle NCO | 0.69% (p69 of band) |
| Repossessed % of vehicle book | 0.17% (p85 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 8% |
| Average share balance | $4,234 |
| Participations bought / yr | $16.1M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $6,963 |
| Loans granted, annualized | $34.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 6 | capital below 7%, net worth falling, losing money |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 6 |  |  |
| 2017-06 | 5 |  | net worth falling |
| 2017-09 | 5 |  |  |
| 2017-12 | 3 |  | charge-offs p90, losing money |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | members leaving |  |
| 2018-09 | 1 |  | capital below 7%, members leaving |

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

- 2019-01-25 [PenFed Credit Union opens its doors - Copperas Cove Leader Press](https://news.google.com/rss/articles/CBMifEFVX3lxTE5sR0lWOXJSMThVOUIxdEdDUGpobnZNa0ZDd09jNEJOVzBYSTR3cEY0MTlhbjVKWEtHQ1ludFFtdHc5YS1CZ3NvaXJZWXVXeTlweTNuTHJNeGlPeUtkaFo3bXNwa01INlJGbDEwZ0cwSjZ6TTFNTE1jVlJ0cTA?oc=5) · Copperas Cove Leader Press
- 2023-08-01 [UNT ushers ‘new era,' renames football stadium to DATCU stadium - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMipwFBVV95cUxOOTdSZGZBdElDNElXZHN4LWhKMUttUzB3dXJ3MTg2NnpEY3g4dG45R0pPek11N3Y0Qmk2TVR1d1lKUElZbi1OaDdKNEFnMTExNHBtZzdJMy16eHBPcnM0eG1nWUo1S29jZWR2b3M4SW1RWDgyMzVCd0FBdTAtcjFPTVRMeS14Sk9BSTh1Q0JFb2FZVUF1ODlMN2lENzB3N0p3LVZGbDFfY9IBrwFBVV95cUxNVkZCX3ZxRlZ4Rzhadmc1dlJYTUthNndFMkxyQ09LanpqVGMxdjR1OE9NMXZkcmtsNUV3dzJVWU5vLU9NZ25pQlI3VUd5eUduakEyb2p1ZjVUcW1OSVFtYlhxNEotaTM4eG9ENUdrMXpFX2RLVHc5LVJZYzJRS1FvV3VhUXZBdVk0X2R3bDdQNWlkZ2QxX056ZWVsMlpCNXRObUhjZ3BSMXpKcEpUY2J3?oc=5) · NBC 5 Dallas-Fort Worth
- 2016-04-01 [Man sentenced to 30 years in prison in connection to bank robbery - KXXV](https://news.google.com/rss/articles/CBMiowFBVV95cUxNTDJjSjF3OGsxUzlfWWpKaFNrQ3BWOEViWVM3YThvV1BXSFQyTlZCRWNCRjh6ZVhpc3ltVjRLM2stYVVfR3E4QktWZXVZREhpdmtsOExYdDhOeDlETkl2UmM5TEswRi1uNlJ1TG14ZU1zaFg5aEN5bzc3SnNqVUl4aUxIRk5Yc0QtOUY1U0xrZ1hzYmVKRXdRclBVLWJncFJwUEpn?oc=5) · KXXV
- 2016-03-28 [Copperas Cove: Trial begins for man accused of robbery - KWTX](https://news.google.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?oc=5) · KWTX
- 2023-12-10 [Burdette Beebe Obituary - Killeen, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOVWtNNFE2Z3lYakVXWmwtZmJudllIUTRRcGhRalJTMnlnbmxDdXZ5Tm5taUpRWnFSQU5zUnpvNC15aTlyTUlaOEx0Z3JzelQ3bWU4NXhEUElKOHNycWRiZ1BFb3c2Zl9ROTZfNjV4RkdRUDNWdzZWSktnTjRPQ1lMQm9IYw?oc=5) · Dignity Memorial
- 2013-10-10 [Gracie Boydstun-Cardoza - Temple Daily Telegram](https://news.google.com/rss/articles/CBMimgFBVV95cUxOUkdZV1Y4a3F1dVhaNzdaSGZKcnN1RUlHVC1PWWhfdmZ2RXdZN2VNLU1ZWlVtenZTa2hINEFONFVlLWhWdlJwSmJFUXZKZEtqaUVIdDIwSWFDLTFyUnlqRnFzbWd4TDk3WG02VjRQOEFocVhGVnNPVU13bDBvQjA3LTJ2SVlmaFFmbnlaWVZnTUpjMWpTWTBESy1n?oc=5) · Temple Daily Telegram
- 2020-04-05 [3 charged with Cove robbery and making a bomb threat - The Killeen Daily Herald](https://news.google.com/rss/articles/CBMizgFBVV95cUxON2cxODJmNG9zZ3NDVjRtZGg4Ym9QNkhCamxGMXpwVUtTeXVySTVxSS13TXUwM2VYMlZiTGwtZGFGUHFMTkxOczEweGxhMkEtdHlBM0hISTN1c1pGSXRSSzhpS29rSE9BczdjeXVKU2hyNkFMWThWei1sejhpN2N0RWVSLXVzak5pMURCU0IxVS1YU1RQZ3RrSkJPcW45dVAxZ25fcDdvV0RuNXlBaUFHQnQ3RTFTZ2hRRjJJQVduOU5vNW5hbFlhVmRLOWdZdw?oc=5) · The Killeen Daily Herald
- 2018-01-26 [El Paso bank robber who flaunted cash on Facebook gets sentenced - El Paso Times](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQSHZfZmhXY1ZhLWt4YllCM211NDdxU0tueVNrZWdReWlfZFhsV0V1Vzl2czI5NHhYaUVXU3dhUGZwRG90V084Q0J1Ukd3UjRQa1U4QUxDaGwxRDlUVmMySnUyZllBRXFKaE5rUkpoaVdGRVFqYWo2ZGFGSVp6eTZnbkR6QTVCSVl6a0dleHpxYmlxdVFUeUhqUElzbGhBUE5mUm9QN25PWjVvSFBKVGt2ZTJNbEZQRlRTN2ZuMWFfbUoyejFnN1Y0aA?oc=5) · El Paso Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8676 (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/36.json (key "8676", 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=8676
- 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