# KINGS
Hanford, CA · NCUA charter 10395 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kings-10395

Who the members are: federal charter, multiple common bond, organized 1955, low-income designated. 9,664 members of 152,486 potential (6.3% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 56.

**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 | $162.9M |
| Members | 9,664 (4.3% YoY) |
| Full-time staff | 18 |
| Net worth | $25.5M |
| Net worth ratio | 15.6% (p85 of band) |
| ROA (annualized) | 0.80% (p57 of band) |
| Total delinquency | 0.45% (p37 of band) |
| Net charge-offs (annualized) | 0.35% (p52 of band) |
| Loans / shares | 65% (p40 of band) |
| Cash / assets | 15.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.35% (p32 of band) |
| Operating expense / assets | 2.79% (p20 of band) |
| Vehicles % of loans | 78% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 90% |
| Third-party paper % of net worth | 246% (p90 of band) |
| Vehicle delinquency | 0.17% (p18 of band) |
| Vehicle NCO | 0.76% (p65 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 23% |
| Average share balance | $10,159 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $725,177 |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $16,406 |
| Loans granted, annualized | $36.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $725,177 outstanding purchased (2.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.9% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | net worth falling, delinquency rising |  |
| 2020-09 | 3 |  | delinquency rising |
| 2020-12 | 4 | margin squeeze, loan book shrinking | net worth falling |
| 2021-03 | 3 |  | loan book shrinking |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | assets shrinking |  |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 4 | net worth falling |  |
| 2024-03 | 3 |  | net worth falling |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | members leaving |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | members leaving |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 3 |  |  |

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

- 2025-11-11 [Preview: Denver Nuggets play late night game against Sacramento Kings - Denver Stiffs](https://news.google.com/rss/articles/CBMinwFBVV95cUxQVHNaMEZ4Uzd2N094emFKMEdFT1prbldNWW9fRkpxS05Ya2M2MzBvdUJGMFdBM3lJNTdMY0pCVUhCTThUZTE5c1ZMSGxwcGdsUEZ0cTRvTngxMXFZQWdndHVzbXNKX25peGZxcWY4b2g3UjctY2VhREkzQ3VldG43VXJUWU0wNHR3dUREWG44dk5DQ3k1eENIb3lrazRBS2c?oc=5) · Denver Stiffs
- 2015-06-16 [Introducing Golden 1 Center: Golden 1 Credit Union and Sacramento Kings Announce Naming Rights Partnership for Sacramento’s World-Class Entertainment & Sports Center - NBA.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1nUlhQalZpeDNNbFhhZzk2enJ6MU9LeTFVZ0lyeEtUcG5RYUVlaUJKQWpXbVd0bGJtLXNNTnp2Ny1EV25lSkczZk1lQl9mYnNZell1NW95c044SW50UmNhbkhtNA?oc=5) · NBA.com
- 2026-01-27 [Delays, closures after heavy snowfall on P.E.I. - CBC](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNdkJZcGRFdFVzY19VUk15NVluR19EQ0dXMDdVeXhhZEN6RzR5bUlHcHFyczNacm5RVFBCS3hNNlZHa0M4eFhwQzgyckVqUUdycGFuVWYyaVhCc3BKRmtwMjJLNnhrcUdyeDJKWHU4dEJneEt4SmVRV192Y1pjSXYyN3FXSDNkQ2NIN1NwMWNkUjNxUEZBb1g5NFlHTmVzRzNGVnh6SC1uR1g?oc=5) · CBC
- 2025-09-08 [Homeless man caught on camera breaking into bank, Hanford police say - kmph.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPeXV2MnA0Q0lRblItMXNUQVN6RzJXaVhIdms2TFVnN0ppQnVlUzFNOTlpVDdLTWw2VC1CR25OWFF1R3o1YzYxeDlKZW5QcmxqeEhiVy1CS19kazU2aThrV1A2RTMxWVpPXzA5ZkdYdTFrT2E2QVZtUmJrYzYwTHNMNFppaEdmaF84bG54alJPSi15U3g2SWhjdlU5Zw?oc=5) · kmph.com
- 2020-02-21 [KC-10 Extender refuels F-16 Fighting Falcons - travis.af.mil](https://news.google.com/rss/articles/CBMilwFBVV95cUxQN3JOdjVGb25EeUtNdWwzSU1SU0ZncjFYaGNlVWh4Y1UyOF9aTm4tVFlOTlk5azFDdnlKOVVIOGc1UkJqSU5GVGVJQmlTSU5YdTgtU3hlLWxFb1NkNnptSk0yeUJLWHdTZy1JRXNXQWpyQnBvc3pVOTlKbGdNUDlRX3pLeUVlNVBlVGVORzhSU0FhdlJqelVZ?oc=5) · travis.af.mil
- 2020-02-09 [Stadium Series between Kings, Avalanche highlights week ahead - nhl.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPeDZYeHYxTEZyc1NSd2ZzNTg2QXdhdHdIWmEwanVaeENuSUZLQ1B5a0hHTXBnZ3BNWmhkZ1drSGdqQzhndEVGek5KaTJudHBvU0xsQ3pOaV9tdEhjU2pRNTFkRVoxTjFabDN4eURkNEM5QkJnS080bDR1d1cwTTEtdUtReS0tcGFQdDMxb1o5NlZlckhPSU9vdnJSNnRXSGtxMGMxMDluSnc?oc=5) · nhl.com
- 2025-11-04 [WHEAT KINGS FORWARD SURKAN NAMED SANDMAN WHL ROOKIE OF THE MONTH FOR SEPTEMBER / OCTOBER - Canadian Hockey League](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQN3NHdE41QzZBd08wLXNNUUpfVnhKNXZwLWdFUE1XNWtTUjgyT09wMHdEMnFKV0p2eTVBQlRlbFVXT25xaFI1SEtLZHY5X0ZOVERzZkxLSElyM05MVUNJYkVmZlFjb2Jta0Jqd2l6Z2t4dnhBTDJvblFJdHJoTGxxVklBeExkMjBadDNlWFhuRnlYZjVmRlE4NW55RDZ2OWU5MVdMM0cyLThReXVkZ002bnhQVDM4bTI2UWZ2UER1Nm9zYkk?oc=5) · Canadian Hockey League
- 2025-10-17 [Why are 'No Kings' organizers asking protesters to wear yellow Saturday? - Daytona Beach News-Journal](https://news.google.com/rss/articles/CBMiswFBVV95cUxOMEVzR05HX3dTVGlaekFmeDVza0hqX2d1dTJ0dGZDWHlIY2R6cnJfX0ZKWDRYSXNNX1IwaFNtRGY5ZThIQUZLSks3eEZEMGkwS0FRWnR4Qjh4RXZSWk5wZHd2WGNyNlpyTXFyeVU5VnM4bUhMcnEyeHFBenYzSXljOXpoQzFuWVNzY0oyOUV3ekVibEM2NGNGUU0teTNqQWRRU2VwNkdMV1JGRnZZdm9JTlFrWQ?oc=5) · Daytona Beach News-Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10395 (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/27.json (key "10395", 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=10395
- 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