# UNITED TEXAS
San Antonio, TX · NCUA charter 97107 · asset band $200-500M · latest filing 2025-12 · stopped filing after 2025-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/united-texas-97107

Who the members are: state charter, organized 1955. 20,801 members of 4,410,273 potential (0.5% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 62.

**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 | $423.9M |
| Members | 20,801 (-6.3% YoY) |
| Full-time staff | 60 |
| Net worth | $40.6M |
| Net worth ratio | 9.6% (p22 of band) |
| ROA (annualized) | 0.57% (p38 of band) |
| Total delinquency | 0.80% (p57 of band) |
| Net charge-offs (annualized) | 0.25% (p33 of band) |
| Loans / shares | 76% (p48 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.86% (p16 of band) |
| Operating expense / assets | 3.32% (p36 of band) |
| Vehicles % of loans | 27% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 9% (p27 of band) |
| Vehicle delinquency | 0.63% (p47 of band) |
| Vehicle NCO | 0.33% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 176% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 37% |
| Average share balance | $10,334 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 62% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $22,637 |
| Loans granted, annualized | $47.8M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2017-09 | 1 | 3rd-party paper>100% NW |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 | members leaving | 3rd-party paper>100% NW |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 0 |  | members leaving |
| 2020-03 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2020-06 | 4 | thin capital |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze | delinquency rising |
| 2021-06 | 4 |  |  |
| 2021-09 | 2 |  | net worth falling, margin squeeze |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | delinquency 2x band |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | net worth falling |  |
| 2023-06 | 2 | delinquency rising | net worth falling |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 1 |  | thin capital |
| 2024-12 | 2 | members leaving |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |

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

- 2025-12-31 [Lubbock-based ALLIANCE Credit Union merges with San Antonio UTCU - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNVjNsQ0x6cUtXYUpzWkNiZXF3Uk84U1FUNC1pMW9mbTVDek0xc0VsWFNkY2lpMU1jSFdNNnozc0x1RVZNM0hYYXVkTTVRYnpNQXIxa3Y5djE2YTRYbldfNXV6MmlLdVRORTFCYVR6ZmZyU1hxaVBZbmdJT2ZzeWpodkVjWWg0Z0hNaXdNOW9lVW9hcG5KMF9xRHN3cUZ4SkFic0pIWEFvUkszMnZZNlgxeVNUMFZLYlhHQkIyZGNqMTRQQTBDSks1QlNOdXdrZTlUSnF4VlZXOHUyWlhOaHc?oc=5) · Lubbock Avalanche-Journal
- 2022-03-14 [United Texas Credit Union announces new VP – Business Relationship Manager - CUInsight](https://news.google.com/rss/articles/CBMiswFBVV95cUxQWFZoZThxWVJUZTNRYXd6Y3NTVnc4aGxEYmhBbVdGZExBc3c4RC1aRGxTOHFVRHViZVRVREpwQ1lKY3dkMlVYYmxfSXAzRklJQnZ3dlMxdlhQWnZoaFJKbkZwZ1NsaVktZW4tQnFlbWwzZWEyM1dRY3hEYVhSN0Jjc1czVzVJcTBDcmVZejRJVi11R0dJQ1cyUlFKQ01sc1lIdGJENTVGLUF1ZEd6aEdkVVZJRQ?oc=5) · CUInsight
- 2025-12-31 [ALLIANCE Credit Union merger effective January 1 - KLBK | KAMC | EverythingLubbock.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPSm5UNXhIaUU5WDBjSU5KM0N4OGVlbEhYNmNuN1laRS1zWUlkdy0wUFpnaVZfOVV3Q0h3WndVcDZoOFRMQjJOc2h3QkFYa3FlUVljaEUwdE1nSDd2TndYSmFyRWhNWUxuZGI3U183SmYzSGFRVUxQUU5EY1lreGY4VURBampWRVc4ZEtPSDBmU1I3T3VyZzBZa2xDaTd5OHJG0gGmAUFVX3lxTE1oMkd6TWdrOXV6bGhfU1hFREhHRTdMYjZUX0Y2Ukw1TWVrTjI0czFpRkptdmVacjl5RG9UN1VjUGVIVmZDNnNjaVNXaHpORVVhc3ZoQUgzTk1ydnNXczZwR3EwanFmRmN6YkVwMHIzU3BRZVQyVmh6dWVSVlRxTFI2bUlmSVRoYmVTdU1PdGdEUDRmWjg0TUJHaTNsZS04MWUtNWRhM3c?oc=5) · KLBK | KAMC | EverythingLubbock.com
- 2023-07-27 [Mark D. Armstrong Obituary Jul 27, 2023 - Schertz Funeral Home & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE44c2ZrWFVTWVctMndCVUhucUx0OTVLNnhQS05JRHI5d0tsTFVWWW40NV9fQ213d3Q5TlNtNndWOTlaZV80OEtuUUtiMGlFYmN6cEZhazFlbXJjN2Itc18tNF9pUmJoRUcycGpIMA?oc=5) · Schertz Funeral Home & Crematory
- 2025-07-15 [San Antonio’s Top Mortgage Professionals 2025 - San Antonio Magazine](https://news.google.com/rss/articles/CBMifkFVX3lxTFBQYnNYdkgtY1ZldXk2ZUVJSUJELTY1SmJKb0RFTGRmd2poR2wyczlJeFlaM1RyZlNmZ21weHFxSVRfZy1QOUJZWEZCalk4SzZSaW5NVVRwSUJKaXR0cVFDLWhYZjhoZmR0ei1SbmItWGRDeHJKUldzRWtqejkwUQ?oc=5) · San Antonio Magazine
- 2020-02-29 [Best Jumbo CD Rates Our Experts Found Today, Sept. 9, 2026: Up to 4.35% - Investopedia](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1lekhnazJkRHdEa2lMUnVSeDFyNV9sSU40Z0gxOG1GR01paDFqUmRXdk10TnVKQ3NQN2Z5X1RWWDZLbXVRZUtZYk5neUsycnZVaWp4cXMxTHdvM3hhUGEtNTB0cnFjM2M?oc=5) · Investopedia
- 2019-08-09 [Randy Sasse Obituary (2019) - Boerne, TX - Ebensberger-Fisher Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPem5jLU1RSTBZQTNwVTQyU0FkdGFzVGVfT1c4eTBzcExLMXBqc3FJTC11czE0X0JCbEVVaWVSaHMzc0dmZWtlN2hmaEkzZWh4SEhWZ0FpSUw1aGtHX2VZZGhLcVdma3liZkNTVHkzSzFWeUpmSTdkNlY4a2xlTVJUQzJR?oc=5) · legacy.com
- 2018-07-29 [Donald Bearbower Obituary - San Antonio, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNUEFkekdwVUlUbkVvT2Zzb1Z0dzVVaFF2UGUzTUxvN1VZSVBhTGJfUXFSV1NKSDV6eHp6RkFwbG1IckFyNV9ZaHluSFhXcmlveGl5d1J0N1pTRkpWcHNBbjZSUWlXVmV6RWlkdm1wWEVFSTRkWllxcFdXV2IxVW9OaXpZWEJIRWdLYl9F?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97107 (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/19.json (key "97107", 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=97107
- 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