# 1ST COMMUNITY
San Angelo, TX · NCUA charter 8715 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/1st-community-8715

Who the members are: federal charter, community charter, organized 1953, low-income designated. 23,575 members of 585,354 potential (4.0% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *fortress*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $422.2M |
| Members | 23,575 (3.6% YoY) |
| Full-time staff | 99 |
| Net worth | $57.5M |
| Net worth ratio | 13.6% (p79 of band) |
| ROA (annualized) | 1.29% (p84 of band) |
| Total delinquency | 4.85% (p100 of band) |
| Net charge-offs (annualized) | 1.28% (p95 of band) |
| Loans / shares | 76% (p54 of band) |
| Cash / assets | 11.3% |
| Borrowings / assets | 2.37% |
| Net interest margin | 3.84% (p71 of band) |
| Operating expense / assets | 4.18% (p70 of band) |
| Vehicles % of loans | 47% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 39% |
| Third-party paper % of net worth | 94% (p54 of band) |
| Vehicle delinquency | 1.14% (p80 of band) |
| Vehicle NCO | 2.40% (p93 of band) |
| Repossessed % of vehicle book | 0.57% (p96 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 106% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 24% |
| Average share balance | $7,926 |
| Participations bought / yr | $24.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $33.8M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $20,806 |
| Loans granted, annualized | $92.7M |

## Participation posture (from the same filings)

Bought $24.6M and sold $0 in the latest annualized quarter; $33.8M outstanding purchased (58.9% of net worth), $7.8M sold and retained. Sold in 6 and bought in 8 of the last 8 quarters. Shares 1.2% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling, delinquency 2x band | repo signal |
| 2017-03 | 5 | delinquency rising, members leaving |  |
| 2017-06 | 3 |  | net worth falling, delinquency 2x band |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 1 |  | members leaving, net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | thin capital |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 3 | repo signal |  |
| 2021-03 | 4 | margin squeeze, delinquency 2x band | repo signal |
| 2021-06 | 2 |  | margin squeeze, delinquency 2x band |
| 2021-09 | 1 |  | thin capital |
| 2021-12 | 2 | delinquency 2x band |  |
| 2022-03 | 2 | charge-offs p90 | 3rd-party paper>100% NW |
| 2022-06 | 4 | delinquency rising, 3rd-party paper>100% NW |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 1 |  | delinquency 2x band, charge-offs p90, delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency 2x band |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 4 | repo signal |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | delinquency rising |
| 2024-12 | 4 | members leaving |  |
| 2025-03 | 3 |  | members leaving |
| 2025-06 | 4 | net worth falling |  |
| 2025-09 | 3 |  | net worth falling |
| 2025-12 | 5 | delinquency rising, charge-offs p90 |  |
| 2026-03 | 4 |  | 3rd-party paper>100% NW |

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

- 2012-10-25 [1st Community Federal Credit Union opens new location on base - goodfellow.af.mil](https://news.google.com/rss/articles/CBMizAFBVV95cUxPUDZ2R3NjeTlvRm1lVWJ1YkJ2OVlFZ1J6N3pUTW95WlltVVhhOXRMWlJuNjQ0S2J0VVJEem1oSnVfc1paTTFPWGpLbUZHM0l5RUR0b0I1dUtDZ21QUkx2c1VLdGpUdTFMdW5oZ2trRUxac0lLS1JxSTBSTHZOSm1oRkx6MTREa2hMbzJJck9BTjRuZ1ctSHVDSjJzSFIwNS1VWVFOVEt2WFZuems0cVFFUktOTmVYdUdTS2lpMXM4N1ZPd0Z1UlFaU2JJT1g?oc=5) · goodfellow.af.mil
- 2017-08-04 [Ismael "Izzy" Avniel Ramirez Correa Obituary August 4, 2017 - Harper Funeral Home](https://news.google.com/rss/articles/CBMihgFBVV95cUxOQ1FNUHVFaXQ4cWtFQzRHakFBd2JxakwxSkFnTDB1ZF8tSWFpc3B3c2V0MXM5UVZfS2t1M1hlblVZa2tXWk5LNUVRNjdNYkp2b1J3TUl2NGFCemxCd3FqN0ZISzB1eGJ5N3dIczByU3pzdmpXY2pFMGhUQXBpdFlabTRvRWgtUQ?oc=5) · Harper Funeral Home
- 2026-04-06 [Budweiser Clydesdales coming to San Angelo: What to know - conchovalleyhomepage.com](https://news.google.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?oc=5) · conchovalleyhomepage.com
- 2019-02-19 [Premium sale of the San Angelo Stock Show & Rodeo - gosanangelo.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxQYTdKVFp4OUZ4WmtBZkxlSlBZeE8wdDN1NENtZ2ZHaWxNM1V5SWhVNzFBWm5KcDhxdkdzSEREU3JQcXp4WHBFajYyMzdDYzJPUWhkRUFuUS1fby1jM2FMSnBDZm5kc3EzbVlSU0ZmSjI5bHlieVcyLVZDQzdZR1A0MzMtTlFWRGdhRG1hdHdkNzdqc0cyWHRXYmtIWDlWSWxkMTRsalBZM0lKUDdFMHg3bUVBTDZybVR6Nkw5VA?oc=5) · gosanangelo.com
- 2024-02-27 [Cmsgt Edward A. Bendinelli (Usaf Ret) Obituary February 27, 2024 - Harper Funeral Home](https://news.google.com/rss/articles/CBMihwFBVV95cUxNLV9VLWJHWU0yWTFCTVUxOEptdHQzVkVPTU54T3R6blQ4U0lseXNZakt2R2o3d2pjTUFWZTRURWRqd0R3bHBmUW82UnBlRElOeUxUVUlQM3J2T3B1Wm5MT3A0RS00alUxMzdGb1p2QVhYcjRQdTBDb3BiT0NKYVUwak1oX2xDTzA?oc=5) · Harper Funeral Home
- 2003-06-22 [Jeremey Hayes Obituary (1977 - 2003) - Fort Worth, TX - Star-Telegram - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOT3MtZUd2VjJTU1dld2k2Z2lPWnp2YUJsWkRnWTR0R0NIdUwyaVJWWTZySWVDSTdmNGxSNlhESmxTNGtWRi03eUMwT3FaVFR4QVRvSXdvV2J0RjZ1dTF2amVsVmcyZTM5VjBYT0lMWnpWWkdCZHhwUkVmV0FDcldnTG9DcDN2VTQ?oc=5) · legacy.com
- 2026-04-02 [Lake View Baseball Game Moved to Angelo State - sanangelolive.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPd3JIUzhqM1pZTmUyT2NRSW5OUGlrMVhWSWhFWENVRkxHR29KbXI2TXdsQTZyekFLSjB2VE5xS3JlTE5ZajNORDRmNVJ1VW1FdUNQNkFFdG9PMVFpOGFIRHl2UTdxb1RxNHFWR0I4dmc0elpkb21ybkM4Y3pXUGxZMWl2eDdIbVVNelQtUnFkOHNEZUtVUmc?oc=5) · sanangelolive.com
- 2026-05-04 [Angelo State Rams Top Kingsville to Advance in LSC Tournament - sanangelolive.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxNTHFSRUJhV2VtVE9hOUk1Wkh1SnM1U0t5U0pWYWI2U3V3Z2tBaWg5TElnT0pEWGxQWUw1MF9UN2RkdG9lNHotUER0cm9Gc0s0dWF1WUJfaFM2bC1pR3ZsSTk0WFRvYmRrelNvUy00SVF2NHFrN3NOcndQLXRILWNTb2hva3ZKWnlkbDI1cHhrZDU3WGNxRzV2SW1nMXMyN24xaWpxT21zdw?oc=5) · sanangelolive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8715 (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/11.json (key "8715", 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=8715
- 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