# ALLIED HEALTHCARE
LONG BEACH, CA · NCUA charter 11005 · asset band $50-100M · latest filing 2024-03 · stopped filing after 2024-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/allied-healthcare-11005

Who the members are: federal charter, service (single sponsor), organized 1956. 4,970 members of 50,000 potential (9.9% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *ordinary*. 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 | $71.0M |
| Members | 4,970 (-8.1% YoY) |
| Full-time staff | 12 |
| Net worth | $8.4M |
| Net worth ratio | 11.8% (p51 of band) |
| ROA (annualized) | 0.06% (p21 of band) |
| Total delinquency | 0.60% (p55 of band) |
| Net charge-offs (annualized) | 0.54% (p73 of band) |
| Loans / shares | 79% (p75 of band) |
| Cash / assets | 2.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.08% (p84 of band) |
| Operating expense / assets | 3.83% (p66 of band) |
| Vehicles % of loans | 21% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 13% (p61 of band) |
| Vehicle delinquency | 0.21% (p29 of band) |
| Vehicle NCO | 0.16% (p46 of band) |
| Repossessed % of vehicle book | 0.00% (p40 of band) |
| Real estate % of loans | 73% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 12% |
| Average share balance | $7,156 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $33,165 |
| Loans granted, annualized | $5.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 1 |  | delinquency 2x band |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 2 | members leaving | delinquency 2x band |
| 2017-06 | 1 |  | members leaving |
| 2017-09 | 3 | delinquency rising, members leaving |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | delinquency rising | members leaving |
| 2018-12 | 1 |  | thin capital |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 0 |  | delinquency rising, delinquency 2x band |
| 2019-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 5 | net worth falling, margin squeeze, delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2020-09 | 2 |  | delinquency 2x band, delinquency rising, loan book shrinking |
| 2020-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2021-03 | 6 | thin capital, losing money |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze, delinquency 2x band, delinquency rising |
| 2021-09 | 4 | delinquency rising, members leaving |  |
| 2021-12 | 4 | delinquency 2x band | delinquency rising |
| 2022-03 | 4 | loan book shrinking | delinquency 2x band |
| 2022-06 | 4 | delinquency rising | loan book shrinking |
| 2022-09 | 4 | delinquency 2x band, assets shrinking | thin capital, delinquency rising |
| 2022-12 | 2 |  | losing money, delinquency 2x band |
| 2023-03 | 1 |  | members leaving |
| 2023-06 | 3 | delinquency rising, members leaving |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | delinquency rising |  |

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

- 2024-02-27 [Merger Update: CEO Comp Nearly 10% of CU’s Assets. A Big Explanatory Infographic. A 1,000-Mile Reach, & More - cutoday.info](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQZG9adXhjMnBDeXptNWw4UTRoWWt4MldRdFhReHpTNmdmdlZNcTgzbzk0LThQUFpoYWhBS3lQM3lZVzhHSzlkNkZXSGhFdDQycFJTMUhtRnRRaVpLRXFZRmpMcVVQRTdVR2JYOVcxV0M2QVB6NlBrd09YQkVuQzhwYWhaMGdMRWxlbWRaN1paT2Z2V3M0Qk5QM1pENnZFUlF5TVMyR2dUQXQ5RDM5eEtmRkF4a2RnUklxTEl3SFplRDZuUkFIRHMxN0tNVW00Y1h4T1JCcE5BQQ?oc=5) · cutoday.info
- 2006-01-13 [New source for startup money - Orange County Register](https://news.google.com/rss/articles/CBMidkFVX3lxTFBOcUtyTHFjU1FPMEVIOW96RnptcHItcFhCMGUybFFiZU1PcjlpWldBVEUyMGxKdUN5ZkNIbEdndjRTOXRwRmRKaUV2UTFrUDg3Z3NHYmh4X09lWHVZNlphVnNYTVdIUm5vY2xCcmE2d1p0VEp5ekE?oc=5) · Orange County Register

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11005 (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/61.json (key "11005", 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=11005
- 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