# AMERICAN
Mission Hills, CA · NCUA charter 10398 · asset band <$50M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/american-10398

Who the members are: federal charter, multiple common bond, organized 1955. 2,046 members of 4,500 potential (45.5% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 11.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $18.1M |
| Members | 2,046 (-26.2% YoY) |
| Full-time staff | 5 |
| Net worth | $2.2M |
| Net worth ratio | 12.4% (p50 of band) |
| ROA (annualized) | -16.22% (p0 of band) |
| Total delinquency | 0.68% (p46 of band) |
| Net charge-offs (annualized) | 0.00% (p34 of band) |
| Loans / shares | 70% (p74 of band) |
| Cash / assets | 19.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.33% (p25 of band) |
| Operating expense / assets | 18.91% (p100 of band) |
| Vehicles % of loans | 8% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.23% (p39 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 90% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 18% |
| Average share balance | $4,618 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 11% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $46,828 |
| Loans granted, annualized | $3.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 4 | net worth falling, repo signal |  |
| 2017-03 | 5 | expense trap, delinquency rising, members leaving | delinquency 2x band, repo signal |

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

- 2026-06-29 [20 Largest Credit Unions in America | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTGo3NzJqcExQdW1NT240R08xaGVXT1pFZHBGS29RSG9UaUJQaWkxV3RrbEZheE5jWjRlUmp0am5oQ3V6SFh6U2lIQ2NvaWtKTnhsNko2TU0zYXRhWUFEb0ZBUWFJUkxYWlQ4eVBTWHFmNjZkbW1QOXg1VnBDbExpWA?oc=5) · U.S. News &amp; World Report
- 2026-03-23 ['I did not call myself a dictator:' Credit-union CEO - LinkedIn](https://news.google.com/rss/articles/CBMinAFBVV95cUxQQktMTThLUHJWUlpBQTF2S21NSjRkVWpEMjlLb0dvVXVWRkhIUnBuZVBVM2FuQk44bkMyN0F0MlQ1WGpDR2xFS1lwSGpvYklPSWpLZlBSWkFXeWxQNDVjRmtGVVI1THk4WGI0Z0xDZHhpRzd4SG9ISlFGSFdveTdxeEM4czB3dW1KQmhUUkVueXJTcGdTdnJnMXVtb04?oc=5) · LinkedIn
- 2026-03-23 ['I did not call myself a dictator': Credit-union CEO - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxQbFdfazRudXlVOVUzcjkwMWg0elNPOGRRTHQ3c3dSTy1DRFNIVmdzeEpnN2tiNG4xMTZhZ0xucHI4TjAwc2MzRlA4YXprazI1d09uTnFWVktLVDZHMjI4eElGaDVJSGFhRklhZEV5TU1jQlZzR3k1WDJqTGltZy1JMWltUFN6dmFBRDMxcEpB?oc=5) · American Banker
- 2025-12-16 [America’s Best Regional Banks & Credit Unions 2026 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNblc5ZFlRYURwTFhWdFZZX3o2ODdLSlJKYjRBaHBlU1pfRVgtT2lOVnc1djFlQXlxUzVkZl9MN2dqWjB2OGs5Um51RUhzb2JId3ZraHkwTnJYa19NOG1PWFdraDlFd1E2Y1FhbWg0UjZzM3V2Ry1fYndBN0RSUU01R1ZiTQ?oc=5) · Newsweek Rankings
- 2025-11-25 [Credit Unions Go Large and Go Rogue - prospect.org](https://news.google.com/rss/articles/CBMickFVX3lxTE9ueUxKMk1XYzRMRW5YdVJLcnBHUGhDdFczbHBsQWZxS25IWHdCd1p0XzlkZ3M4SFlXZzEyVnRGN244eV9OTGx2cDdzc2pHdnUzYXBfVWc4Wm1QZnF3OWhyR0wwbzNub2JnTVRBQnJ0RVBJQQ?oc=5) · prospect.org
- 2026-07-28 [Avenged Sevenfold Setlist: What to Expect from 2026 Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFAtY04yd2NldDhsemEzQ29ZeUJUXzhCWjRsY18yc3NiX0tmb3QydlRyMHJuUWtxTTYwbmExaUFYZVNHNk5xc3RReVZqYXR2YXhNdDZhOEMtU25qd1pKVWNzTk1ILUFHalk?oc=5) · Ticketmaster Blog
- 2026-05-01 [Judge's ruling is likely to scuttle San Diego credit union merger - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxNbllveGdoamVSZXh1WTBZd0xyRkZuZHpFczIybmdFaENlTVp5ZzJzUU5KZjdEY0lsazBtREZ5MmxMSVV0eUZEOERDa3d4cG0tRElKNjJkYnpiMGR2TlV2YkNlUTUyWm5Db3pBNExNS1hSd2JSc0E5OWRwaUk0eGx4V3gtZU1ITi1mdmdwR0s5SjZJeDdMZmZFVk5FeWFXQ0M1WHc?oc=5) · American Banker
- 2026-01-27 [Beetlejuice North American Tour Announces Full Casting - Broadway Shows](https://news.google.com/rss/articles/CBMilwFBVV95cUxPTk5UQ2szLWl3OU1HMlk2NFZsQXVBckpNbXNUSlVxZ2JGQlN3eDBBZXF5bVRmZXlXQUdORDFpbGttaG1qTVR0LXNLQlUwMnBqcVBZREdaT0M0TExhQk9GamhzelpPZG9MQ2N2YjBSTi1QMU1Zc1FWRU0yQWlEcXQzc1lKX3RLMzUwTEw2STlnaWNJWjVBUXBR?oc=5) · Broadway Shows

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10398 (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/30.json (key "10398", 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=10398
- 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