# GOLDEN VALLEY Manteca, CA · NCUA charter 11652 · asset band <$50M · latest filing 2026-03 · live Share link (named URL with a preview card): https://getbookiq.com/cu/golden-valley-11652 Who the members are: federal charter, community charter, organized 1957, low-income designated. 3,304 members of 79,900 potential (4.1% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 53. **Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice). ## What the filing shows | Measure | Value | |---|---| | Total assets | $39.4M | | Members | 3,304 (-0.4% YoY) | | Full-time staff | 7 | | Net worth | $4.5M | | Net worth ratio | 11.3% (p25 of band) | | ROA (annualized) | 0.54% (p48 of band) | | Total delinquency | 0.50% (p44 of band) | | Net charge-offs (annualized) | 2.04% (p93 of band) | | Loans / shares | 64% (p59 of band) | | Cash / assets | 36.3% | | Borrowings / assets | 0.00% | | Net interest margin | 4.32% (p67 of band) | | Operating expense / assets | 3.01% (p31 of band) | | Vehicles % of loans | 55% (p41 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 0% (p43 of band) | | Vehicle delinquency | 0.57% (p53 of band) | | Vehicle NCO | 2.66% (p95 of band) | | Repossessed % of vehicle book | 0.00% (p46 of band) | | Real estate % of loans | 32% | | Credit cards % of loans | 4% | | Unsecured % of loans | 10% | | Commercial % of net worth | 0% | | Core shares % of member funds | 86% | | Certificates % of member funds | 6% | | Average share balance | $6,636 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 53% | | Loans granted per 100 members, annualized | 13% | | Average loan balance | $12,608 | | Loans granted, annualized | $5.9M | ## Flags firing in the latest filing - **charge-offs p90** (`aq_nco_high`) - **assets shrinking** (`shrink_assets`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 1 | auto monoline | | | 2016-06 | 1 | | | | 2016-09 | 1 | | | | 2016-12 | 1 | | | | 2017-03 | 2 | net worth falling | | | 2017-06 | 2 | | | | 2017-09 | 4 | losing money, delinquency rising | | | 2017-12 | 1 | | net worth falling, losing money, delinquency rising | | 2018-03 | 2 | delinquency rising | | | 2018-06 | 3 | repo signal | | | 2018-09 | 2 | members leaving | delinquency rising, repo signal | | 2018-12 | 1 | | members leaving | | 2019-03 | 1 | | | | 2019-06 | 1 | | | | 2019-09 | 1 | | | | 2019-12 | 0 | | auto monoline | | 2020-03 | 0 | | | | 2020-06 | 0 | | | | 2020-09 | 1 | net worth falling | | | 2020-12 | 0 | | net worth falling | | 2021-03 | 1 | margin squeeze | | | 2021-06 | 3 | net worth falling, members leaving | | | 2021-09 | 1 | | margin squeeze, members leaving | | 2021-12 | 1 | | | | 2022-03 | 0 | | net worth falling | | 2022-06 | 1 | delinquency rising | | | 2022-09 | 1 | | | | 2022-12 | 1 | | | | 2023-03 | 3 | thin capital, net worth falling | | | 2023-06 | 1 | | thin capital, net worth falling | | 2023-09 | 1 | | | | 2023-12 | 1 | | | | 2024-03 | 1 | | | | 2024-06 | 1 | | | | 2024-09 | 2 | assets shrinking | | | 2024-12 | 1 | | delinquency rising | | 2025-03 | 0 | | assets shrinking | | 2025-06 | 0 | | | | 2025-09 | 0 | | | | 2025-12 | 1 | delinquency rising | | | 2026-03 | 2 | charge-offs p90, assets shrinking | delinquency rising | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-08-24 [Reno Hawk Fire updates Monday: U.S. 395 opens, more evacuations lifted - Reno Gazette Journal](https://news.google.com/rss/articles/CBMitwFBVV95cUxQajE0MVNvVVVobEc1NTJReU9lVV95bnoxeWdFVHpJSFozckJiSjdFTmowbThQdlR4LW1Ca0dLSEdWRER2Vk9vSUVhdEdXcTY4OGVBZXhwQXNYV1g5Nmg0Qnl5VXBiN0tmWmdrNmZ6WEU1VXRVNW5sMGUwSUJkMFJ0eGVPUThzRHUwNTQ0eE9TWFRrMWNmU3NSOVI5NE5ndFM2VzdLY0JGdlNkYzlQTzU5WGdSRDktR2c?oc=5) · Reno Gazette Journal - 2026-08-03 [Today's Highest CD Rates Are Up to 9% APY. 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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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide