# LA LOMA
Loma Linda, CA · NCUA charter 10351 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/la-loma-10351

Who the members are: federal charter, multiple common bond, organized 1955. 6,971 members of 50,000 potential (13.9% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 61.

**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 | $114.3M |
| Members | 6,971 (-45.2% YoY) |
| Full-time staff | 25 |
| Net worth | $10.9M |
| Net worth ratio | 9.5% (p21 of band) |
| ROA (annualized) | 0.47% (p35 of band) |
| Total delinquency | 0.13% (p10 of band) |
| Net charge-offs (annualized) | 0.30% (p46 of band) |
| Loans / shares | 68% (p46 of band) |
| Cash / assets | 17.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.74% (p55 of band) |
| Operating expense / assets | 3.74% (p53 of band) |
| Vehicles % of loans | 41% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 3% (p37 of band) |
| Vehicle delinquency | 0.03% (p7 of band) |
| Vehicle NCO | 0.15% (p26 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 55% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 13% |
| Average share balance | $7,607 |
| Participations bought / yr | $5.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $16.6M |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 59% |
| Average loan balance | $17,201 |
| Loans granted, annualized | $31.6M |

## Participation posture (from the same filings)

Bought $5.9M and sold $0 in the latest annualized quarter; $16.6M outstanding purchased (152.5% of net worth), $3,310 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -0.7% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 4 | delinquency 2x band |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | delinquency 2x band |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | 3rd-party paper>100% NW |  |
| 2017-09 | 5 | delinquency 2x band |  |
| 2017-12 | 4 |  | delinquency 2x band |
| 2018-03 | 6 | delinquency rising, auto monoline |  |
| 2018-06 | 5 |  | delinquency rising |
| 2018-09 | 5 |  |  |
| 2018-12 | 6 | repo signal |  |
| 2019-03 | 7 | charge-offs p90 |  |
| 2019-06 | 6 |  | repo signal |
| 2019-09 | 6 |  |  |
| 2019-12 | 4 |  | capital below 7% |
| 2020-03 | 5 | capital below 7% | charge-offs p90 |
| 2020-06 | 7 | net worth falling, delinquency rising |  |
| 2020-09 | 7 | margin squeeze | net worth falling |
| 2020-12 | 6 |  | auto monoline |
| 2021-03 | 8 | net worth falling, delinquency 2x band |  |
| 2021-06 | 6 |  | delinquency rising, net worth falling |
| 2021-09 | 5 |  | margin squeeze |
| 2021-12 | 4 |  | 3rd-party paper>100% NW |
| 2022-03 | 4 |  |  |
| 2022-06 | 3 |  | delinquency 2x band |
| 2022-09 | 3 |  |  |
| 2022-12 | 1 |  | capital below 7% |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 2 | delinquency rising | assets shrinking |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 3 | assets shrinking, members leaving |  |
| 2024-06 | 3 | delinquency rising | assets shrinking |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | members leaving |
| 2025-06 | 0 |  | thin capital, delinquency rising |
| 2025-09 | 1 | members leaving |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2024-07-11 [Loma Linda University Children’s Hospital hosts Community Day for young patients - Loma Linda University](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQZkxUVjBMRFVQZEhxRFl1NTloRkY5aWlBekNHaGFmUDhzTFBuS05xV0ZMTmUxa0RTMWZDdkR6TnlJZVNhdEFwMHVNdEJaODIyaS1HWUdhNllESW5WelRwNnA4QjR1VUVjSWR6RW0zRkFVNDhwNlJrSlg4UmpzZlRvNzA1TVh4WENURVdrWUF5RmJPQnM0cENXYTBGdk9oVWlCOWJyVWJLRDZOeTNaZm5RVWNDenpvYTZQMDhZ?oc=5) · Loma Linda University
- 2021-12-09 [The House On The Hill: Digging Into My Palo Verde Roots - laist.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPVEFFZS1taDVuVzI4LWE2RjZXY0Y4ajFDbDAxY1hpaEJDUTlPVFFSbG1WS0dWWVBsQV9iQUFOek5Fb2dVOEpZLUFkZzVrdkNXc3Nndmd2ZHRyMjJCWGJZTElmaFBWdlMzaDJaMWFPZFVLZ051RHZ6MHZXSE96X0tIQ1BNS1hQRTJvMVFrdA?oc=5) · laist.com
- 2024-12-04 [Former LLUCH Patient Launches Annual Teddy Bear Drive for Children’s Hospital - ie community news](https://news.google.com/rss/articles/CBMimgFBVV95cUxNcGZBbnZnbU5pMy1PUGFJdk5jMmV2NnVHRzg3VERWOXljdm1JVTFmamZWa2FESFFUamZ5dUhuY19xY1plMnFUNXMwTXcyM3JJb2dSdFNhUE50Z21xbnRNMmhFQWFGNjBCT2VsZEVCbEFWTTJ4SWpHbTVDR1ZwTkRSSEZMa2YxZkYyaF8xYzV5SXRtcFV6b2pNWnln?oc=5) · ie community news
- 2025-10-30 [Helicopters, heroes, and heartwarming moments at LLU Children’s Hospital 24th annual Cops for Kids Fly-In - Loma Linda University](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNUzZNZXRnMGRyMDdsNU9fUXBKNXFNYURSejdqZDg2VVVFQ3VHS2lxcWNoSUZ0TVdxSjdtSDRTenFLcS16MVZFUHlQZkxHSTl2Ui1uVi1TUTR6Rm40ZWplMjEzSEhfSnAtNVRSRkRxdTFub005RG02VUNua1ZCdGI4dDRrdW1yQkIzN0ZXWnZpdjlOa3hPWHlfYzhxbTlHZXV3WVJpYzBmOUR1LVFfNGxUQ2N6TUJpTF9tbWFKUHhybWE?oc=5) · Loma Linda University
- 2024-11-29 [Redlands teen’s Teddy Bear Drive returns to cheer up children’s hospital patients - Redlands Daily Facts](https://news.google.com/rss/articles/CBMixAFBVV95cUxNTzAyN1pFb2F5S1Y0YjFxVEtYSEpBd1RMZVVUWkNoajY4QVFjdmpYWE1OeVhyVG9jSGVLcEo2eFN5S2Y1cHZHaTczSElCZWdQMDNEYzI0M1R4Y0VOelFQVjBQbXVjRVF0OGV1U1h2LWdfamZ1NG5VRmx2LXZQSi1sdXVGanN4Ri1FNExBNldqVk13eHZSYXZVOEZtRmxtbTNGV2l1dENZX3RvQkprQnlWWGpQSllPbUgtTHVObl9rU2ZPV0Mx?oc=5) · Redlands Daily Facts
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2021-10-07 [Aaron Murdaugh Obituary (2010) - Modesto, CA - Modesto Bee - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTVdpNVJ3ZXExb21WNUFlQUZqNlJvcGJVbVJVVEhLa2VESmxZeDEzV1hhanUzTjVFN1k5TkN4TEFxMW9GQ0dJTnh3VWRqQTZFVGdGblBZeGhxSDBFdFhuMWROWExrQmpDdEY3WDF0ajFuQzNUa2E0dVp2V0QyanI5X1RBdmxKY21zNjJUbVoyV296dw?oc=5) · legacy.com
- 2021-09-30 [Todd Doss Obituary (2009) - Modesto, CA - Modesto Bee - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNR0RhU0dhdDRwOEt3RkYxcy1QdGVMZzhtRVdlUExrX0dFeGhzc0xucGZCc24wYmxJdmpjYlJIdUVwSks0UmJJc3BZcDRBTGVUVDRCLUZxUTJOS1FWNTh3bS1pVXlrZTNJY2RKdGNhUlZmQk5wT1ZtVENrMzFoelhDajVrVUpVT25raXlz?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10351 (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/47.json (key "10351", 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=10351
- 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