# DELUXE
BURBANK, CA · NCUA charter 12006 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/deluxe-12006

Who the members are: federal charter, multiple common bond, organized 1957. 626 members of 2,600 potential (24.1% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 72.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $7.9M |
| Members | 626 (– YoY) |
| Full-time staff | 2 |
| Net worth | $539,988 |
| Net worth ratio | 6.8% (p3 of band) |
| ROA (annualized) | -2.34% (p3 of band) |
| Total delinquency | 2.10% (p75 of band) |
| Net charge-offs (annualized) | 1.12% (p86 of band) |
| Loans / shares | 73% (p76 of band) |
| Cash / assets | 5.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.87% (p78 of band) |
| Operating expense / assets | 5.86% (p92 of band) |
| Vehicles % of loans | 30% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 3.97% (p90 of band) |
| Vehicle NCO | 0.00% (p25 of band) |
| Repossessed % of vehicle book | 1.16% (p99 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 21% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 21% |
| Average share balance | $7,613 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 72% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $11,982 |
| Loans granted, annualized | $1.8M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 7 | capital below 7%, losing money, expense trap, repo signal |  |

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

- 2026-06-26 [BABYMETAL RELEASE METAL FORTH (DELUXE EDITION) - universalmusic.ca](https://news.google.com/rss/articles/CBMijwFBVV95cUxPb0pHQjNNSU9EdmRSZDk1bHo5MzZ0eGJfTGdXcTVsUWpzMmdtR0Nha2EzOHVyQzlDV1Jkdzl5Q3ZDdFc4YUlqQTQxaVd6LTV3X1dMakZGZ2dpZ3cwRnlSeHFSLTV4SGFKSDZhVU91cHFGelNYb2JqWlJGdS1Pc2ZWMDVFTHczZk51UTdaZTRrSQ?oc=5) · universalmusic.ca
- 2026-07-24 [Stream Cody Jinks' Expanded Album 'In My Blood (Deluxe)' - antiMusic](https://news.google.com/rss/articles/CBMimAFBVV95cUxQRG5HZkgwM2p2MnJvRTlRQVpnbm1odllZSEdKOHpMLXFGV1F6eFBubzA1dmI1WEJLX1RxejRfSDl5VmlDeEpZNEZqM3Fqb1VRNE1Oc05vaEh5SXFzS0Noak1RMzZVUVpTSm9YV21VMnhhZlh2aFM5RFM4aGZlaVpEdFNfcEN0Y04wWnZERUs3NGVKcFN1emc1bw?oc=5) · antiMusic
- 2026-04-01 [BABYMETAL reveal American tour and deluxe edition of "METAL FORTH" - chaoszine.net](https://news.google.com/rss/articles/CBMikAFBVV95cUxON2JKV2xzdFN1VUhZYVBObFZOb2dYcU1ZQVBER0tkeWpjVi1vWkc4cDFsLWNrd1BhX2VGeGlBVzNoeTEzVDRVVjJ1cWRMSTBvU2xOZ3NXaUYxMllJVFA3VVYtai1vSnJwdWZWRmw4WVc3WlBjcllYYTBCUTVaclhIS1ozcVplR2lNRDhCS2xReWs?oc=5) · chaoszine.net
- 2026-07-24 [Cody Jinks Marks One Year Of ‘In My Blood’ With Expanded Deluxe Edition - That Eric Alper](https://news.google.com/rss/articles/CBMisAFBVV95cUxQNmhfSjRxQ3pEUHE1XzcydTBtQlpfeFFVcXdOSjdjeWNRa201SDR0d3RUNUEyQjdjQU1uam9CVUZjb3VRTUdJdzJLeXNEV1ZDNnhRWms0TzBHSEZvSmlJcGtuTk5sbVpPNWc4czRGMGRHWXN0bFMySzZaNUVEQk1YVk5sdE9oSjNOYVhJTHJtcmRqT2JZRGRKVnNqMWVoanNqMzV1VmZqdXJKUGhTQ2JhYQ?oc=5) · That Eric Alper
- 2026-07-09 [The B-52s Announce Expanded Reissue of David Byrne-Produced Mesopotamia EP - Consequence of Sound](https://news.google.com/rss/articles/CBMijAFBVV95cUxOa0pMMkhEOGZ5T2dweE5DbmUzcTk2NVJSdmRmcWRZUzZVTm44d1JhamcxeWctYUFlazRBNFlHLVdWYm1Wb1RXQ2l5OGpUeHliTmh0dml3U3JFRzlnMjd1RmZUVWd0VDJiZGQzNVN2bjA0TlJQZ0JIa2ZIWkJCTHBKS3VmUFlycG1WX0t5TQ?oc=5) · Consequence of Sound
- 2026-07-10 [Cody Jinks Teases New Track, “Jesus & The Devil,” From Upcoming Deluxe Version Of “In My Blood” - Whiskey Riff](https://news.google.com/rss/articles/CBMixgFBVV95cUxPbGtuZGc0ejl6SUVKZ2VwRm9HU2ZRZ2M3WVBnNm10V0NwVGZBc3NBejRGZ3NHT1drcE1MMlZoSU1feHFjUUJ6Q0FnaktqREZjVDhva2tqOUxHRENNVzhJSkV3VXFQMF8yNTBUVHNiYkJObGY2ZjdMNWJ6SUc5OWxWcVU2VHlYYi1TMHpCazdES0dJUWswR2taaG9XOGZ2WE5wdi1IVnFra2xGVnQxTlV2VTJramtkZkgzNmtKckVzdDBoN3QxSFE?oc=5) · Whiskey Riff
- 2026-06-05 [EVANESCENCE RELEASE NEW ALBUM SANCTUARY TODAY JUNE 5TH LISTEN HERE /BUY HERE - rocknloadmag.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFAxczdieEdULU1KR2oza19HN3ZOcWUxd0lPekZCbjNMV1JrVkhjbGR5QTJEdGRES0RmNmFJRGQtdGxPY2xoeTFpOHlYQzhxdmRXT0ZpTzZHYjNrb2lLS3ZUZzQtMDFGLTZnb2xpbGh6Ym1pSVNZTDA2SURISQ?oc=5) · rocknloadmag.com
- 2026-07-10 [Mötley Crüe release limited edition picture disc boxset Crücial Crüe 1981 – 1989 - Metal Planet Music](https://news.google.com/rss/articles/CBMitwFBVV95cUxPeWdFTm51YmQ2YnJSZ2lmWnNpMWFKbjE0N3doUUpURkRJUG5vZ0c5aUphbjFiTEw5Q0pFSmc4SVE1aFNVX0xOS25aMi1oWmJtNFBsQ3BZQ2Fhem9qRmRPQ1ZyVko4b0h0ZmFxOE16UldIWkU2V21HUHVkalk5TmYzU2RIMzZHb18tcXdYdzdMSEZzTlJtZHpJQ0Z0R3hlNVpZaUpuMUZVVHVWS0JKMVdxOEZOZ2ZuaXM?oc=5) · Metal Planet Music

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12006 (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/38.json (key "12006", 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=12006
- 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