# PACIFIC
Diamond Bar, CA · NCUA charter 11464 · asset band <$50M · latest filing 2022-03 · stopped filing after 2022-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/pacific-11464

Who the members are: federal charter, multiple common bond, organized 1956. 954 members of 1,954 potential (48.8% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 81.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $21.4M |
| Members | 954 (-6.5% YoY) |
| Full-time staff | 0 |
| Net worth | $1.8M |
| Net worth ratio | 8.4% (p19 of band) |
| ROA (annualized) | -14.12% (p0 of band) |
| Total delinquency | 1.11% (p73 of band) |
| Net charge-offs (annualized) | 0.81% (p89 of band) |
| Loans / shares | 23% (p13 of band) |
| Cash / assets | 78.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.38% (p12 of band) |
| Operating expense / assets | 15.55% (p100 of band) |
| Vehicles % of loans | 49% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.04% (p76 of band) |
| Vehicle NCO | 0.00% (p39 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 21% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 7% |
| Average share balance | $9,218 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 81% |
| Loans granted per 100 members, annualized | 35% |
| Average loan balance | $5,757 |
| Loans granted, annualized | $1.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 4 | net worth falling, delinquency rising |  |
| 2017-09 | 2 |  | net worth falling, delinquency rising |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | assets shrinking |  |
| 2018-06 | 5 | net worth falling, delinquency rising |  |
| 2018-09 | 3 |  | members leaving, net worth falling |
| 2018-12 | 1 |  | assets shrinking, delinquency rising |
| 2019-03 | 2 | repo signal |  |
| 2019-06 | 1 |  | repo signal |
| 2019-09 | 2 | members leaving |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 4 | delinquency rising |  |
| 2020-12 | 5 | margin squeeze, loan book shrinking | members leaving |
| 2021-03 | 4 |  | delinquency rising |
| 2021-06 | 4 |  |  |
| 2021-09 | 6 | delinquency rising, members leaving |  |
| 2021-12 | 4 |  | net worth falling, delinquency rising |
| 2022-03 | 8 | thin capital, expense trap, delinquency 2x band, delinquency rising, assets shrinking | margin squeeze |

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

- 2026-01-12 [Pacific Crest is now Sage Credit Union - Lake County Examiner](https://news.google.com/rss/articles/CBMizgFBVV95cUxQTm9RQVg0QmNSaENtLWE4MXZTd2x3dk1Majh5Mkl4QnRXcFNNWlhXeHBaeDQ1QXNUY3hqUWxtVXpMREhoZ2tma0NqTXFKLU51QVgtNzh5c281cVg5aUFJb1VyYjR6Wms0dm9sRGoyc2ZPWDh1V0tzSzlOZ011ZkxTbWpTaTV6Y3VHQ0FOYXpibUtiRWNibVVBNnJYeEwweXdBR2h6ZnVQZEFRcWlJcHRVSDlJdlMtV3RBbXNLWGc4TVZSSHpydTRaVmNqcWdNQQ?oc=5) · Lake County Examiner
- 2026-06-22 [California Credit Union Foundation Awards Scholarship to Pacific Palisades Student - Santa Monica Daily Press](https://news.google.com/rss/articles/CBMipwFBVV95cUxNQkt1dGpCRV9jN182RnZnU0F2QmNjRzRFWjRpOGlyVHRqbXBoeV9xSENkQ0RfUjQzWWRxSndEMEFIZkNTM1BkSF82QWFjbU1yVFk5aDhGNlFQMDZERTVxTlBSbFRwQlEwb2txUVlzcDJtcGNFQ1VlMkg1V2p2YlFYQnFIck9QVkh6eHFBTi0tNzB3dFRyVGxkUjlnNVZXeHZSMlpkVXhuTQ?oc=5) · Santa Monica Daily Press
- 2025-12-30 [Pacific Crest will become Sage Credit Union on Jan. 1 - Herald and News](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOQkdpc2NwUG5zSmxMRG1lY2lfMUE5UmxQMWFSUzJxQUc5MUFDS1pxWEJvaVZWb2ktaUE1UUN1OGxaNUhKYVhoSVhzVTQ0aUNYMU1aVHRhWmJhck5abEtqbGE1aW5JNGlIb1lTeENkYkZ0eXZia3J3ME1PWkJua2k3NGhhVzAzQW55UGI5UXhWUWdEd3NqcWRsdDEzMF83M3ZnZVZTQ25SVWpIdnc3emFHQjBla3RNeUVSYW9DSXlHWjZNWXdEZWF2ZXVWWXNjNVVqNExv?oc=5) · Herald and News
- 2025-10-10 [Credit unions will celebrate International Credit Union Day on October 16 - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxPckt0VllqUzd1TlFFRzlZLU9ZZDFQQTRKRFJPMDJ5RENVaHF1X1dIelgzdlJLeFJ6YTk5Vjd2a3dxUDdydGZfODFKQl9IOXhsT2NWcVNuV09zUlJGbzRYc2Y3RmtMOUc2aVRsbDFoSnhWRDdHZ2IxRVJiREJONXh0RGVKSFJfU0dzbmt0ckVVTTNTOTlfTzdORzh2Z0RtMzlmdDFDaUIydFZqT3FHbGpWRUw5bzM?oc=5) · CUInsight
- 2026-03-30 [Union Pacific’s Big Boy No. 4014 visits Roseville for historic public display - ABC10](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNOTdwaVFqRFZsb2ZIc05iOEl6ZTZwWUd5UVNfNVJ1MVBVNEZqU3BXdERya093M3ZTZzRyM2NGUml6WGlXU0hEZk5jUXpGZkhpcUNrV1NvTzM5eHZVQ3Q5LXAwOVBfcThGSk1oWG1BNl80SHJ3bGNLYmx4cGJyVy0tbG11eE9QZGxiN0FXcmZQQktIbkx5MHZMQzRpNHR0VExzc015a29nbGhhS1pUMzF0cUFHdGpCNXE5MzF0V252U2ZFUUk?oc=5) · ABC10
- 2026-01-22 [EDGAR CHRISTOPHER GAUDOIN Obituary - Pacific Grove, CA (1926-2026) - Monterey Herald](https://news.google.com/rss/articles/CBMijgFBVV95cUxPMEZRMmlMWjczVy16TEdyYmZEVXNhV0dvc3d0dGZSTVNpeVUyaTBEc0c1UWVLcGJVM2ZLS0FTNmM3WTcwbExKdHBadHI1RlJacjVCRlFfdy1EUlpHNXJWV25oTUdHT0FiYjlzYUF2ODh1cGl0b21sMnBfSFVYdVcwUVFueUhWQkdTeUEwaGNn?oc=5) · Monterey Herald
- 2026-04-01 [Be ready: ‘Big Boy’ to make quick stop in Lincoln - Gold Mountain California News Media](https://news.google.com/rss/articles/CBMilAFBVV95cUxOQXEtRXFQQkJiS0Q2aldGcnFWcWZ1YTNqWlFSQVBZNC13MEo2Q0ZtQl9KX0gzdkRkWVVRaEI3azItakZDOGMxeW8yalRaNzdlTE1JcXh6dkt1ZWJTcnRGdVdtQWwxWWR5cUFMYS1SRkhCSVVKVGQ0LS1YS3M5bnZaMUNSMy05bnRzbS1BRTQ1SzJteGtZ?oc=5) · Gold Mountain California News Media
- 2026-03-12 [World's largest steam locomotive about to start first-ever coast-to-coast tour - cbs8.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNYUIzNk11YWpJVGZzT1FyZml2Nnh1UkJXb19iYjlmalJteXdsWVJKZE5zbXNNX0hQWUZjczQzM3Z5ZWNIZF9GenZLYkNxRTdpeTJuTS1CRHZiSzZNd2pvdmNGX0cwVlhVVjRMWGNBZkd4THpNdVo1dzRVTUNFM1FTSVk4UW5uM0hkRnBsY3lxUUlveUh0ZFYtZG5oU0ZLM19EUVlFeTdFeHM5bWVnMHlzZnRaSmVQVTQzZThfTE5TUDRLam15MWRobDRxbG9TOWVUck1wQ3RrRFpTdUNYUzNFS3dlLUVnUzZkTWtn?oc=5) · cbs8.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11464 (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/8.json (key "11464", 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=11464
- 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