# LOS ANGELES
Glendale, CA · NCUA charter 1207 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/los-angeles-1207

Who the members are: federal charter, multiple common bond, organized 1936, low-income designated, minority depository institution. 74,996 members of 90,000 potential (83.3% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 70.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.28B |
| Members | 74,996 (-1.1% YoY) |
| Full-time staff | 181 |
| Net worth | $145.1M |
| Net worth ratio | 11.3% (p63 of band) |
| ROA (annualized) | 0.57% (p38 of band) |
| Total delinquency | 0.58% (p46 of band) |
| Net charge-offs (annualized) | 0.93% (p82 of band) |
| Loans / shares | 77% (p26 of band) |
| Cash / assets | 7.7% |
| Borrowings / assets | 1.25% |
| Net interest margin | 3.83% (p83 of band) |
| Operating expense / assets | 3.36% (p59 of band) |
| Vehicles % of loans | 19% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 36% |
| Third-party paper % of net worth | 131% (p48 of band) |
| Vehicle delinquency | 0.68% (p58 of band) |
| Vehicle NCO | 1.55% (p75 of band) |
| Repossessed % of vehicle book | 0.13% (p69 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 15% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 23% |
| Average share balance | $8,896 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $98.4M |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $16,728 |
| Loans granted, annualized | $149.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $98.4M outstanding purchased (67.8% of net worth), $2.2M sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 3.7% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | 3rd-party paper>100% NW |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 4 | margin squeeze, charge-offs p90 |  |
| 2020-12 | 3 |  | charge-offs p90 |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 1 |  | 3rd-party paper>100% NW, margin squeeze |
| 2021-12 | 1 | 3rd-party paper>100% NW | net worth falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | leaning on borrowings |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | losing money |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | delinquency rising |
| 2025-03 | 1 |  | leaning on borrowings, losing money |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 2 | assets shrinking | net worth falling |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 1 |  |  |

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

- 2026-08-12 [Grant Open to L.A. Teachers Through California Credit Union - lamag.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNQUJjTC1kMUpZa0ZSblo0VTFfb0t5YXFXbUR1aThWUWI2TTBWc3FZZGF5MG9acDJxcUEyQmlNV1I0RDBzUHlZcE5BRnFKUjBBdHg2Y0RvZFRRQ0d1dU1WMTZ5dUR4dGdKcUo1STRtcEVPMEd4UUNVZ0w0aFotdGNaU0d1cVF1VnVUbGJDeHJFUUI?oc=5) · lamag.com
- 2026-03-26 [SchoolsFirst Federal Credit Union and community leaders celebrate new Los Angeles Mid-City branch - CUInsight](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQTU5DSmxVVlRZTE11OHNUWFoxYjVWQ0NZTlhrZ1hpM3dNWFh1dnFjT0U2RFItLUhMQmN1b2d5NUpWMjdoelJDdXIwNl9oRlpzQ0JmT1NMUXF6ZTVFVWJxdE1aYVB4TjBMdFAxSUtUbDkxNUtLSXVVSFVibE9WeVZMYkxlSWplZFhjUWNSR1duc2tfQm9Rbk5Qc21NemFIVkpxQm11SWxfNWZ5WXgxNGhmNGtqSVFPTlFzdmFLQWtvR0t3R3MxSmZFNEdQWERpSTAyNkp0Vg?oc=5) · CUInsight
- 2026-07-25 [CAMP ARRIVALS: Trent McDuffie, Davante Adams & more Rams players arrive at LMU for 2026 Training Camp - Rams](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOQ2NNczhyQjV2aTdZTmtnZ3hOSVpVODAxRXRrTkVZNVNwZUVBcU8wdXIyVUcwN2g3Wl9JZG84aW9CNW5qNkE5cW52RUVjLXkyTWx2UUlEZ2dsdllnZUl0cTF3MVBSNXF5VEpLcGo1UzZKTHVSUGYtVE9PR3ZzbEIyZmkyYVFTTDZrZUQ4b2Z5SlBqMHBFUTlUYXVZVHlLLUhGdHBNeDdvSm1mT0ZoMHB4QTNaSVYybjFJ?oc=5) · Rams
- 2026-03-18 [Firefighters First FCU Spreads Nationwide - CUTimes](https://news.google.com/rss/articles/CBMigwFBVV95cUxNUkY5Ny0tY0NFNGg3dHMyMmJRcEpITWdKODdQdS1pUnpsT1B3Sl9GQlBldUhTbEZjOWxHSTFIamROcjBFUFBRT1g2cFo1OFE5TzJ3dU1CZ1dVV2Y2YURCRHpmS3M4QzdvSi1GTUw3SWZaYVU2RGIyLTZfSkttQUg4M1dKWQ?oc=5) · CUTimes
- 2026-06-23 [Judge rules against Fiserv - Payments Dive](https://news.google.com/rss/articles/CBMid0FVX3lxTFBZUmM2ZE56Nm1BTkFBRG9Md2VCeTd4MVJWZmxZdVg0MGlsSVNkNVBKQWtKVEo3dk5VZ21ReWJEVExUU1BUM3JxUHN3c1N2cGRuaDE0eVpJNEpwbkxOcVkwR244QkxfOTJ6WEN0aEMtUU4wZmM3bG04?oc=5) · Payments Dive
- 2025-12-06 [The CEO Who Pays People to Show Their Debit Card - Larchmont Buzz](https://news.google.com/rss/articles/CBMiogFBVV95cUxQNUgzcGItLVE5Xy1rZjlIVFcxb3huX1hDTFlhS3dJcEpOelRyR0ljMmZzZ3o3clplZ3JVU29aTUg3Zm9ENFh1ZjZlVldMdE95bG1HdEstZkUzWF9uekdaU0ZYcTV6UEFxN3NFQ0ZVbzgwNjBLLUlIZldaZzFHN3JCRFh0YmJOSjNoaVpSbkFJTGVaODg5NzNRaFAyVXFxanRuVVE?oc=5) · Larchmont Buzz
- 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
- 2025-10-02 [California Credit Union offers relief programs for members impacted by government shutdown - ABC7 Los Angeles](https://news.google.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?oc=5) · ABC7 Los Angeles

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1207 (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/55.json (key "1207", 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=1207
- 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