Official portrait: unitedstates/images (public domain; source GPO Member Guide)
Rep. Monica De La Cruz (R-TX)
House · Republican (most recent term) · TX-15 · in Congress 2023–present · Bioguide ID D000594
Party history: R 2023–present. Source: term data in unitedstates/congress-legislators (CC0); party shown is as recorded per term there.
Estimated net worth (from public disclosures)
| Estimate | Report year | Low | Mid | High |
|---|---|---|---|---|
| (a) Estimated net worth before entering office (report year 2022) | 2022 | −$943,973 | $348,510 | $1,640,994 |
| (b) Latest net worth estimate | 2025 | −$541,974 | $164,012 | $869,997 |
| (c) Estimated gain / loss, nominal dollars, 2022 → 2025 (3 years spanned) | 2022–2025 | −$2,182,968 | −$184,499 | +$1,813,970 |
Gain Low = latest Low − earliest High; Gain High = latest High − earliest Low (widest possible spread); Mid = latest Mid − earliest Mid.
Reliability flags (net worth): none for these two endpoints. Included in the recommended dollar-gain ranking.
Net worth by report year (mid; Low–High)
| Report year | Assets (mid) | Liabilities (mid) | Net worth mid | Low … High | Status / flags |
|---|---|---|---|---|---|
| 2022 | $1,798,514 | $1,450,003 | $348,510 | −$943,973 … $1,640,994 | computed |
| 2023 | $1,696,014 | $1,100,002 | $596,012 | −$512,972 … $1,704,996 | computed |
| 2024 | $1,121,512 | $1,100,002 | $21,510 | −$901,975 … $944,996 | computed |
| 2025 | $889,013 | $725,002 | $164,012 | −$541,974 … $869,997 | computed |
- What this is: Net worth = Schedule A assets (each value range at its midpoint; low–high range shown) minus Schedule D liabilities (midpoints / ranges). Low = assets at range floors minus liabilities at range ceilings; Mid = midpoints; High = assets at ceilings minus liabilities at floors. Low and High are outer bounds of the reported ranges, not likely outcomes.
- What it excludes / understates: exact values (only ranges are reported); a personal residence is not reported as an asset (although a mortgage on it may be listed as a liability, which then lowers the estimate); retirement and federal accounts (e.g. Thrift Savings Plan, defined-benefit pensions) are only partly or not reported; assets of excepted/blind trusts, cash held below reporting thresholds, vehicles, household goods and most spouse/dependent items exempt from reporting are not included; liabilities on a personal residence, revolving credit under thresholds and loans to family may be omitted by filers.
- Open-ended top ranges (e.g. “Over $50,000,000”) are counted at their lower bound and flagged, so such values are understated.
- The change is a change in estimated net worth in nominal dollars (no inflation adjustment). It includes salary, gifts, inheritances, business income and re-valuation as well as investment results, and it is subject to range-bracket noise; it is not an investment return and implies nothing about conduct.
Read this first. Members report asset values only as ranges (e.g. “$15,001 – $50,000”), never exact dollars. Every figure below is an estimate computed from range midpoints, not a measured return. Figures cannot be interpreted as investment performance, and they do not show wrongdoing or skill. Methodology and limitations are at the end and in the project README. Sources: public financial disclosure reports filed with the Clerk of the U.S. House of Representatives and/or the Secretary of the Senate (Senate eFD), linked below.
Avg. annual change (geometric, est.)+1.4%
Simple average of years+2.4%
Years estimated3
Best / worst single year2024 +15%
2025 -17%
2025 -17%
Reliability flags: few years (3).
Sensitivity band for the average (all ranges at floor vs. all at ceiling, same holdings both years): +0.1% to +2.0%. This band is narrow because it moves both years together; the true uncertainty is larger — see the per-year “strict envelope” column and the limitations.
Estimated year-over-year change
Bars: midpoint estimate; whisker: same-position floor/ceiling band. Axis clipped to −100%…+150%. Years with insufficient traceable holdings are omitted.
| Year (t−1 → t) | Opening value (mid) | Closing value (mid) | Income (mid) | Buys (mid) | Sales (mid) | Est. gain | Same-position band | Strict envelope | Traced coverage | Status / flags |
|---|---|---|---|---|---|---|---|---|---|---|
| 2022→2023 | $1,469,508 | $1,469,508 | $140,002 | $16,001 | $8,000 | +9.0% | +8.7% … +9.1% | -73% … +91% | 82% | counted |
| 2023→2024 | $1,672,012 | $1,105,512 | $66,302 | $0 | $750,000 | +14.9% | +14.5% … +15.1% | -74% … +104% | 99% | counted |
| 2024→2025 | $1,048,511 | $808,011 | $65,802 | $0 | $0 | -16.7% | -19.5% … -15.6% | -102% … +69% | 93% | counted |
Filings used
Each annual-report year uses one filing (most recently filed version among originals/amendments whose Schedule A row count is ≥ 40% of the largest). Electronic (text) PDFs are parsed. Scanned/image-only filings are OCR-read and used only if they pass the explicit validation gates described in the project README (value/income coverage, two-engine agreement, exact bracket snapping, page completeness, year-to-year position continuity); such years are labelled OCR-derived below. Scanned filings that fail validation are listed as “insufficient data – scanned”.
| Report year | Doc ID | Type | Filed | Schedule A rows | Rows with unparsed value | Source (official filing) / SHA-256 |
|---|---|---|---|---|---|---|
| 2022 | 10050956 | House amendment | 7/26/2023 | 28 | 0 | 10050956.pdfac8f4771113877234fc9f990e7572724ced1beca34e133eca2edb12274813d7a |
| 2023 | 10059362 | House annual | 8/13/2024 | 30 | 0 | 10059362.pdf1e0fe4001da9d7abbf7c26ecaff8b296d6b69f8396d2ec94ddec8320faab069f |
| 2024 | 10067135 | House annual | 8/13/2025 | 27 | 0 | 10067135.pdf441e337e76e2288380947b413aa3d8371a09b11919ecd09f8c23d87cf396c8ad |
| 2025 | 10075630 | House annual | 5/25/2026 | 26 | 0 | 10075630.pdffb31b9f58c3d1368dc1e318c290cbb460fd9feadbe272b196e927c2fbd3b75bb |
Largest movers 2022→2023
| Position (as written in filing) | Owner | Kind | Opening range(s) | Closing range(s) | Buys (mid) | Sales (mid) |
|---|---|---|---|---|---|---|
| New York Life Annuity ⇒ New York Life Traditional IRA ⇒ Mainstay VP MackKay Mid Cap Core P | — | held | $1,001 - $15,000 | None | $0 | $0 |
| Cash Value Life Insurance ⇒ New York Life Insurance ⇒ DC1 Whole Life Insurance Policy [WU] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| New York Life Annuity ⇒ New York Life Traditional IRA ⇒ Mainstay VP Winslow Large Cap Grow | — | new | — | $1,001 - $15,000 | $8,000 | $0 |
| New York Life Annuity ⇒ New York Life Traditional IRA ⇒ Mainstay VP Janus Henderson Balanc | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| JSM De La Cruz Holdings, LLC ⇒ Residential Rental Property 2 [RP] | — | held | $250,001 - $500,000 | $250,001 - $500,000 | $0 | $0 |
| Cash Value Life Insurance ⇒ New York Life Insurance ⇒ DC2 Whole Life Insurance Policy [WU] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| Cash Value Life Insurance ⇒ State Farm Life Insurance ⇒ DC2 Whole Life Insurance Policy [W | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| New York Life Annuity ⇒ New York Life Traditional IRA ⇒ Mainstay VP Mellon Natural Resourc | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
Largest movers 2023→2024
| Position (as written in filing) | Owner | Kind | Opening range(s) | Closing range(s) | Buys (mid) | Sales (mid) |
|---|---|---|---|---|---|---|
| JSM De La Cruz Holdings, LLC ⇒ Freedom Bank Accounts [BA] | — | held | $1,001 - $15,000 | $100,001 - $250,000 | $0 | $0 |
| New York Life 401(k) ⇒ Mainstay Income Buildier Fund [MF] | — | held | $15,001 - $50,000 | None | $0 | $0 |
| Cash Value Life Insurance ⇒ State Farm Life Insurance ⇒ DC3 Whole Life Insurance Policy [W | — | held | $1,001 - $15,000 | $15,001 - $50,000 | $0 | $0 |
| Cash Value Life Insurance ⇒ New York Life Insurance ⇒ DC3 whole life insurance policy [WU] | — | held | $1,001 - $15,000 | $15,001 - $50,000 | $0 | $0 |
| Rio Bank Savings Account [BA] | — | held | $15,001 - $50,000 | $1,001 - $15,000 | $0 | $0 |
| Cash Value Life Insurance ⇒ New York Life Insurance ⇒ Self Whole Life Insurance Policy [WU | — | held | $1,001 - $15,000 | $15,001 - $50,000 | $0 | $0 |
| New York Life Annuity ⇒ New York Life Traditional IRA ⇒ Janus Henderson VIT Global Researc | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| Cash Value Life Insurance ⇒ New York Life Insurance ⇒ DC1 Whole Life Insurance Policy [WU] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
Largest movers 2024→2025
| Position (as written in filing) | Owner | Kind | Opening range(s) | Closing range(s) | Buys (mid) | Sales (mid) |
|---|---|---|---|---|---|---|
| JSM De La Cruz Holdings, LLC ⇒ Freedom Bank Accounts [BA] | — | held | $100,001 - $250,000 | $1,001 - $15,000 | $0 | $0 |
| Cash Value Life Insurance ⇒ State Farm Life Insurance ⇒ DC3 Whole Life Insurance Policy [W | — | held | $15,001 - $50,000 | $1,001 - $15,000 | $0 | $0 |
| Rio Bank Accounts [BA] | — | held | $15,001 - $50,000 | $1,001 - $15,000 | $0 | $0 |
| Cash Value Life Insurance ⇒ New York Life Insurance ⇒ DC3 whole life insurance policy [WU] | — | held | $15,001 - $50,000 | $1,001 - $15,000 | $0 | $0 |
| New York Life Annuity ⇒ New York Life Traditional IRA ⇒ Janus Henderson VIT Global Researc | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| Cash Value Life Insurance ⇒ New York Life Insurance ⇒ DC1 Whole Life Insurance Policy [WU] | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| New York Life Annuity ⇒ New York Life Traditional IRA ⇒ Mainstay VP Winslow Large Cap Grow | — | held | $1,001 - $15,000 | $1,001 - $15,000 | $0 | $0 |
| JSM De La Cruz Holdings, LLC ⇒ Residential Rental Property 2 [RP] | — | held | $250,001 - $500,000 | $250,001 - $500,000 | $0 | $0 |
Method (summary)
- Schedule A asset rows are read from each annual report; the dollar range for each row is converted to its midpoint. Open-ended top ranges (“Over $50,000,000”) are excluded from the traced set and counted as a coverage loss.
- Positions are matched year to year by owner code (self/SP/DC/JT) + normalised asset name. A position that appears only in year t is included only if Schedule B shows a purchase of it in year t (opening value 0); a position that disappears is included only if Schedule B shows a sale (closing value 0). Otherwise it is excluded as unexplained.
- Estimated gain = (closing − opening + reported income − purchases + sale proceeds) ÷ opening, all at midpoints, for the traced positions. “Capital gains” income is not added again (it is already in value change and sale proceeds).
- A year counts only if traced opening value ≥ $50,000 and traced coverage ≥ 60% of the opening midpoint. A member is ranked only with ≥ 3 such years (exactly 2 = “limited data”, shown but unranked). Average = geometric mean of (1+yearly estimate).
Limitations
- Ranges are wide (up to a factor of 5 or more, and up to $50M+ open-ended); a holding can move between ranges without any real change in value, and stay in a range while moving materially. Yearly estimates are therefore noisy; the “strict envelope” shows the mathematical worst/best case and is typically wider than ±100%.
- Purchases and sales are only disclosed as ranges and only for transactions over $1,000; partial sales, dividend reinvestment, spousal/dependent accounts and retirement-plan funds are reported inconsistently. Excepted/blind trusts, personal residences and certain pensions are not reported at all.
- Filers sometimes change how they list assets (e.g. listing a brokerage account vs. its individual holdings), which can make positions untraceable across years; these are excluded rather than guessed.
- Asset values in an annual report are as of Dec 31 of the reporting year; the report year t−1→t covers that calendar year. Late or amended filings are used when filed; extensions can delay them.
- The text of these reports is machine-parsed from PDFs; parse errors are possible. Every number links back to the cited filing. This is not investment advice.
- Use of these filings is restricted by 5 U.S.C. § 105(c) (no unlawful, commercial or credit-rating purpose, and none for solicitation of money).
Generated 2026-10-01 by an automated pipeline. Data: Office of the Clerk, U.S. House of Representatives (disclosures-clerk.house.gov); member roster: unitedstates/congress-legislators (CC0).