# ANDERSON COUNTY
Palestine, TX · NCUA charter 9880 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/anderson-county-9880

Who the members are: federal charter, community charter, organized 1954. 2,125 members of 20,000 potential (10.6% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 36.

**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 | $27.4M |
| Members | 2,125 (6.1% YoY) |
| Full-time staff | 5 |
| Net worth | $4.6M |
| Net worth ratio | 16.8% (p61 of band) |
| ROA (annualized) | 1.94% (p92 of band) |
| Total delinquency | 2.25% (p80 of band) |
| Net charge-offs (annualized) | 0.29% (p68 of band) |
| Loans / shares | 38% (p22 of band) |
| Cash / assets | 67.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.88% (p50 of band) |
| Operating expense / assets | 2.53% (p20 of band) |
| Vehicles % of loans | 76% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.30% (p83 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 13% |
| Average share balance | $7,424 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $11,343 |
| Loans granted, annualized | $6.1M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | charge-offs p90, loan book shrinking |  |
| 2018-06 | 2 |  | charge-offs p90 |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | members leaving | loan book shrinking |
| 2019-03 | 1 |  | delinquency 2x band |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | charge-offs p90 |  |
| 2019-12 | 1 |  | members leaving |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2020-09 | 3 | margin squeeze | net worth falling |
| 2020-12 | 4 | auto monoline |  |
| 2021-03 | 5 | net worth falling, losing money | delinquency 2x band |
| 2021-06 | 4 |  | delinquency rising |
| 2021-09 | 3 |  | losing money |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 | delinquency 2x band | margin squeeze, net worth falling |
| 2022-06 | 2 | delinquency rising | delinquency 2x band |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 3 | assets shrinking | delinquency 2x band |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 5 | delinquency 2x band, delinquency rising, charge-offs p90, repo signal | assets shrinking |
| 2024-06 | 4 |  | delinquency rising |
| 2024-09 | 3 | delinquency rising | delinquency 2x band, repo signal |
| 2024-12 | 1 |  | charge-offs p90, delinquency rising |
| 2025-03 | 2 | delinquency 2x band |  |
| 2025-06 | 1 |  | delinquency 2x band |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | margin squeeze, delinquency 2x band |  |

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

- 2026-08-25 [Palestine woman pleads guilty to defrauding more than $170K from Anderson County business - KLTV.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxPQmoxN1VlSEdpRkFSb1k0Tm9uSHN3ZzRPYXAzdVlmWm1zQ2dIT2JUNlB3Z2kzNDVwU2tfdXI0em01dFdGUkVzM0lVSUVtTTRGbW9rLVlhcV9PVmstcFhYTHZNYi1RX290V0tucnNITFdSUm1kTk9yRXQ0VkwxbUlNU2FveEFLU3Mzdk5vNWVFeEJyVmtGdWtIZGQ1OXlIV2JIUWJjMldWcWU5V2p0Q0lob3h1QQ?oc=5) · KLTV.com
- 2026-08-25 [Celebrate Anderson - Audacy](https://news.google.com/rss/articles/CBMicEFVX3lxTE1RSHJFLUtKcU1hYW9SMksxTXVMYlNwTEpmMGsxZURlUkxuVndjcXUwdmVHYzBIN0huaE9ZTzNYNlo4bl9vb3hDNmhQaUNFMDZXbkYydDJnOFk2c1BiUlRnYUF4aDBVNVFpQjhvYUpPU2M?oc=5) · Audacy
- 2026-01-08 [Palestine man found dead in Anderson County Jail cell - KLTV.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOcEZjbnkwNDNRSGNLbXllcFJPWUlVbFBRaFF5a1JuVEllSkIwRUw1QTlyZlc2WkNlOFJMc0RrTm1IcTJ0YlRVQ2RZZ2hyZkhwcnZYZ2VRRmtkUmFZaE9XR1hQbXdlME43VDhwY3ZZc0RaZEVZdHZnYjJGRUhOSjJNM3ZEYm9kYzRJSjU00gGfAUFVX3lxTFBVUUhlQm81WlhhdWsxdFZOU3BxMERKQVk1a3ZMUW5kWU9SRm9FN3NCMTZwekw4V3ltOWxSaWtxaVloNzYxZHdqVHZOdU90bkFBbEEzZXZjZm50a0QwTlZPLWhOM1RFN2JPd1cyYXY0bmUtbFgwam43ZGE0cGJXOG1nRDNETHYzNDYtY2tXay1HelQyRHUxRjVMWDdQa18xNA?oc=5) · KLTV.com
- 2023-05-18 [Checks are coming in for new Anderson County Chamber building - Oak Ridger](https://news.google.com/rss/articles/CBMixwFBVV95cUxQVHJXdjJxMzhYbzhxLWhrUnZOY2REUzlTUWhIZmxjV3Exd3NtRmtBOVlxZWNaN2NVSHhGYjVfcjNaQ0NicXRSQVRLVkhELTBhRFpBUnRValpFZVBrLV83Rk9YZllJcnFjNVRzS2dPMlJmQkpXMF9DNHJ0YTZVWkg5UzVXODRKMHNiYS0wRm9WRGNNVld3UTd6RHA1MFVGYnBQZlQ0QXpVU2VKV2plMDB3R2FqWVFTR05fOHdjZXdDaHdPenNuM04w?oc=5) · Oak Ridger
- 2025-09-22 [Here's which marching bands will compete in the BOA Regional this weekend in Kentucky - The Courier-Journal](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNcGdkdy1MUXZzS0FHZUpqZjFvMUgyeTZIYm5FbzZCYWFyZFNNYUgtTVZub1AxRmx4cG5Vb0RVd3Q5dzlFRmR6V2ZUR1FkYldXRVAxWXlxeTRvVTF5dGZxekxoQklTdVB2VkZqTnBnbHlCLVZWSENoS0xmUFhqbWNnQkx0Y1otZGZ5SVQtbVBSNGFBSXFIQ0JqbE5DeWJtdHRrUzVObnFXbUdxaVA0bC1XdXhRbWpyajlyOTRVVmFKN2R4VDZrbE9RUUJfVDFDTC1Da1Y3UkxDWXVyZngwSGh5SkZpZ1NhYWI1azQzZQ?oc=5) · The Courier-Journal
- 2015-04-28 [Police respond to Y-12 Credit Union, which closes, but not clear why - Oak Ridge Today](https://news.google.com/rss/articles/CBMipwFBVV95cUxPQXo1SWp0c1BpVF83dTJqNExHN3pKZ1Y0ZE9nMkFiT1ZWaF9EU3ZKY0dTZ2NkYVlDV1k5a0lIMHpVRU9IWDhQUjdmMzFjcHhaQlk2RWdxTUpiZ1ZoVUUtX3RoanNTdUZOVVlLNzZPbkMyaENpYjFrejJOU0tkamNtRW9SRmRPWldzVmMxVE84WHJENUJDdWlkY3g5aXNiWHR4dG1welJkbw?oc=5) · Oak Ridge Today
- 2021-05-26 [New 100-foot wide mural almost complete in Oak Ridge - wbir.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNTHlzVVlRM2JmVXpuR1M4MjNQVWFEV0VIZGhVNTRCNUc4OEViUE5sYlpxTmxsZENNN3hpUE8yUFFDU2FWb1ZzeEMyT3YyY1AzZTNoS3MzX3pseVdicjl5TGJKZnJDbUttWVpVVXpKOFpKaDl1STZTY3FlNGIyWDRxbkF0TXppejJYU1BBckEtRE5TRXh2UzlHU1A3ZU1HblAwbXlaUHNsbmVaS1BHTTRCUUV3OFpqMmNhSUVTbHJNY09mSlZtQkIwZjN0R2pkajBfTVE?oc=5) · wbir.com
- 2022-12-26 [Some delayed openings and closings reported after snow in East Tennessee - wbir.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxNZEdpV1pQUVhmdTF2Ql9QUTFHWW9hdGtyRHpFbEkxS3BUODl3bHRvWjkxUDd5anVjZk1VdXkzOEVlZFhWQ3dVbVJrQWpvR0JvVmRNSG1HLVB3ZzdJTkQxSlRuSDVaaUxOWDZ4djN4ZUUxYzRzWFhLQWpDSDVHbUk3R1lHdHk3R0p2aHlacEpiSFphWWNQVi1vc0pjOTBLSDc1ajZSd1NjZkwweUxkTG5sbXNtbWVxME0tNUljV052MTcyRDFDMXc?oc=5) · wbir.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9880 (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 "9880", 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=9880
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide