# DOWNEY
Downey, CA · NCUA charter 11870 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/downey-11870

Who the members are: federal charter, community charter, organized 1957, low-income designated. 19,401 members of 809,529 potential (2.4% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 74.

**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 | $331.2M |
| Members | 19,401 (2.9% YoY) |
| Full-time staff | 59 |
| Net worth | $28.6M |
| Net worth ratio | 8.6% (p10 of band) |
| ROA (annualized) | 0.33% (p24 of band) |
| Total delinquency | 0.48% (p39 of band) |
| Net charge-offs (annualized) | 0.24% (p34 of band) |
| Loans / shares | 65% (p31 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 12.08% |
| Net interest margin | 2.97% (p17 of band) |
| Operating expense / assets | 3.55% (p44 of band) |
| Vehicles % of loans | 20% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 3% |
| Third-party paper % of net worth | 4% (p24 of band) |
| Vehicle delinquency | 0.20% (p16 of band) |
| Vehicle NCO | 0.37% (p35 of band) |
| Repossessed % of vehicle book | 0.14% (p78 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 23% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 23% |
| Average share balance | $6,630 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $28.5M |
| Loans outstanding per 100 members | 74% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $12,208 |
| Loans granted, annualized | $36.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $28.5M outstanding purchased (99.6% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 4.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | net worth falling, delinquency 2x band |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 0 |  | delinquency 2x band |
| 2017-06 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2017-09 | 1 |  | net worth falling, delinquency rising |
| 2017-12 | 0 |  | delinquency 2x band |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency 2x band |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency 2x band |
| 2019-06 | 1 | delinquency 2x band |  |
| 2019-09 | 0 |  | delinquency 2x band |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 3 | loan book shrinking |  |
| 2021-03 | 2 |  | loan book shrinking |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | delinquency 2x band | margin squeeze |
| 2022-03 | 1 |  | delinquency 2x band |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | assets shrinking | delinquency rising |
| 2023-03 | 3 | delinquency rising, charge-offs p90 |  |
| 2023-06 | 2 | thin capital, leaning on borrowings | assets shrinking, delinquency rising, charge-offs p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 3 | delinquency rising, assets shrinking | thin capital, net worth falling |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 5 | net worth falling, losing money | assets shrinking |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 | thin capital, charge-offs p90 | delinquency 2x band, delinquency rising |
| 2026-03 | 3 |  | losing money, charge-offs p90 |

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

- 2026-08-21 [Melissa Skye DOWNEY - The Press Democrat](https://news.google.com/rss/articles/CBMickFVX3lxTFA0UHBrRm1ERVE3U3RRbHl1SWRPZGhRaVV5eEhXRm5QR0dzdEVPVk9uUVBzRW5hOWJiaVZUT2t2UWRXMmtCNWZhNDFhRW5CSVBCaHBnREdWcDlQc3ppVi1oNElma0RXbDBOOU8yUy1WeWlkdw?oc=5) · The Press Democrat
- 2020-11-17 [Tyrone Conde of Downey Federal Credit Union receives Tomorrow's Star Award - The Downey Patriot](https://news.google.com/rss/articles/CBMitgFBVV95cUxQM0hLZXFXUkFFUmRKcjNSZWpsSlVycjZ2ekt0cDdwVDNMYmxtb0UzU25FSkJMX3pXdnZWMWV0Zjl1TnFDSVEzc0lVY3RtdEltYTZYUC13N242RURBcE5ydkxyNWw5YlhMZnR4d01jd05zWGMzUDAzdXdjbGFBSUZqS0ZFYjYyVGZqVGVGU0ZJanl3eE04cFlvaEZ2alh0b010RnZXaE9TS1JzOXFpTlhrUjBiYkxOZw?oc=5) · The Downey Patriot
- 2017-07-22 [Popov In Contention and More from Round 3 of Danielle Downey Credit Union Classic - Epson Tour](https://news.google.com/rss/articles/CBMikgFBVV95cUxNSEJiUDF0eTRWVWF3Sk9Pb05haFRYWFJJeUNuOUo1R0tiaXdFb2JfU0FPVU9iMks3cUtzbG5Ud3p4OGRhRGtMZUxwajJieEZHRU94NjhjdjF6TzNCOUI5OUlPTHE0S2R5cnZOMDl3eUNkV1U3RjI0ZGN6WUFGTVJYQkZSWjU0SnZPWUZPQnA5SjRqQQ?oc=5) · Epson Tour
- 2025-10-30 [Dia de los Muertos Festival returns Sunday to Downey Civic Center - The Downey Patriot](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPbjMyR1FIbVNia01yOXpocm1uZWRZSTNmYUU4a2N2Y3Vhd0F0elNOdzFtYTQzdUZDNDd1WmVIVkhLYVBXUlFwOUt3M3dlSWx3RVVIV0l1ZHNVNXJKSVRxU2lPcldrbjBwY1c3blBVQTdlTmNpbkxac01rOG1OX2cwMU0wa1IxZWs4Mk5NZ2pRTWRKaUdYeDdXTTdQR1BpOXk2WlVnTzJTS1hNajA?oc=5) · The Downey Patriot
- 2015-11-30 [Funeral held for slain Downey police Officer Ricky Galvez - ABC7 Bay Area](https://news.google.com/rss/articles/CBMilwFBVV95cUxPeThvRDZDekhpNDlBNDJydW5MVVlUVWFmRWp2Z2hvQ1pfeGJqUnQ0ODFQckFoYzJLUW5ZMDVqaVQ1aW5GdTNGbHZhbWhZLWQ2bE04SVBLNGdKcmJ6U2hqd1lGa3dPZW9PS3Z6RDlXQVV2WXhQVFZCM0U1N1YwWHU5R3U2N0h4dzhHdWZLcHNuNE82S2g2RXA40gGcAUFVX3lxTE1yYVlJU3AtZHZRbGsteWJZcjEzcXNWQVQ3UHVWWlVTcEdnTzlnRjhhZTk1cjZKb1AxYUNHLXlsZWF6ZVgwOHZlbFRZcnR2MUtxVUFDREdPblNsUmlSN1B4RHdCTmtWTDZOcExFNXBaYlNnTnA5Z1dDY2h5VmhnYjRhTWFiVkpYTi1ncTMwd05mQWlCRDdMYnFlRHMtdA?oc=5) · ABC7 Bay Area
- 2022-01-29 [Storylines from Brook-Lea Country Club - Epson Tour](https://news.google.com/rss/articles/CBMikgFBVV95cUxQN2pWYnJaOFB3S1lYVkY5QWJzNy0tcTF5VHRMTFh2MGRsT0U4R1FVVDUzWHk2RkVoSjBXcGxzU1N5SjRoQmctNHdHYTdLWkljb25HMF80azczVHdXNFhWdHdFdzQ0VzQtajNqSEkwQmZIUXRZcldZNjViTDlfeUNCdHZOam5OZmVoUzI1UFNWZ3BKQQ?oc=5) · Epson Tour
- 2019-04-23 [Downey Federal Credit Union recognized for helping Hispanic and immigrant community - The Downey Patriot](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNbjF2eE1DWEN2QlZNeVNBSnZjVkp6NFJsS1NBTkVZdFpOeW5NWmxNX05EWTN3bnU4aF9ERG5GeGgwaWh0TERlckMzMXJqbUhnam82Y1hLVUIxRFpDV21La2hCdDdCejJRWWc1MkY4M0FTTUJuN3BRNWp5emdzZk5hVGlVRmNvaDQ0eGl3cGI1dG1FM19YNHlfNzRIdk9GWG1nSTZsemFuV3YxT291MFNIeGlrQ1JrMXNabFlJRHBpTWJtdw?oc=5) · The Downey Patriot
- 2019-01-17 [Financial Partners Credit Union celebrates record year of giving in Downey - The Downey Patriot](https://news.google.com/rss/articles/CBMitwFBVV95cUxPWV9nQk9UR3hmRWhFU1pIQ3dZTDFkS0hzSGdmX1pHZjJlRHJZZExJZXp2dDhKVzhZNnJBd3lFOWpyNUFuQjVTTEl3MFhRWVQ3VDZpV01fckFIbzM0Wm93WjZOZWl5bXY3azhyVVBMQ25HWnZ4VHdCS0x0LUFNclNmSW50YkdsRy1FRU1kTVl4ZnJQTDlfaU56bzlNMC1FX2t5TU5uUk1vMWNNRUlpZ0FnQmpaWS0xc2M?oc=5) · The Downey Patriot

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11870 (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 "11870", 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=11870
- 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