# INVESTEX
Humble, TX · NCUA charter 97112 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/investex-97112

Who the members are: state charter, organized 1952. 21,415 members of 3,609,578 potential (0.6% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $245.3M |
| Members | 21,415 (-0.3% YoY) |
| Full-time staff | 61 |
| Net worth | $27.7M |
| Net worth ratio | 11.3% (p51 of band) |
| ROA (annualized) | 0.16% (p14 of band) |
| Total delinquency | 0.64% (p54 of band) |
| Net charge-offs (annualized) | 1.06% (p90 of band) |
| Loans / shares | 56% (p13 of band) |
| Cash / assets | 6.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.96% (p16 of band) |
| Operating expense / assets | 3.69% (p49 of band) |
| Vehicles % of loans | 55% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.97% (p76 of band) |
| Vehicle NCO | 1.14% (p75 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 25% |
| Average share balance | $6,196 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $11,482 |
| Loans granted, annualized | $44.2M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2023-03 | 1 | auto monoline |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | auto monoline |
| 2024-03 | 1 | losing money |  |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 0 |  | losing money, delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 3 | net worth falling, losing money, delinquency rising |  |
| 2025-06 | 0 |  | net worth falling, losing money, delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2024-08-17 [Obituary for Lisa Gail Zumwalt - cooperfuneral.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFB0bjI0RnZhSWJtS0F6b1M3TmdhSWhSQUU0ZEs0dy03OUJhR2hPQjZvcnBCbUhlZld3b1NuVFg2YzhXbkJOM05jRHNuY0hCUzBaNjV2ZHJwMjFleVBQdXRWVg?oc=5) · cooperfuneral.com
- 2016-08-09 [James Patrick Dawson - Crowder Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTE5Ecl8wNUYteFhFRER0b0owOTA1NUhmTVFiM0NUVlpZUGF1SFcxVm5peDNCSnRtVjluNDlMZmMxQkZ0bm5QZGYyTFhRdUtuVmRrV3VNalFSLUE5RDZQcWExdTJ1VTQxZ2l1bmxOdDJEeHlXZWlqeEE?oc=5) · Crowder Funeral Home
- 2022-07-09 [Valarie Gates Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQMnAxTkswN2xia0h0S1g4UDExbnRBTHRvc1BHZTIxazNubEpYUUJ0a2s1ckpha0xBc01SMEFuSGlobVMzVGJYbDJ0aW9GdHB3QzNKVFZJb0JTcWJSMTdoUXlSSm5NZU9xMkZRaU12V29jS3ZXMDR3QzRZX3dqbjlaOExB?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97112 (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/24.json (key "97112", 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=97112
- 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