# FOOTHILL
Arcadia, CA · NCUA charter 12425 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/foothill-12425

Who the members are: federal charter, multiple common bond, organized 1958. 34,654 members of 109,038 potential (31.8% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $772.2M |
| Members | 34,654 (4.1% YoY) |
| Full-time staff | 114 |
| Net worth | $94.9M |
| Net worth ratio | 12.3% (p75 of band) |
| ROA (annualized) | 0.46% (p34 of band) |
| Total delinquency | 0.18% (p10 of band) |
| Net charge-offs (annualized) | 0.29% (p36 of band) |
| Loans / shares | 81% (p50 of band) |
| Cash / assets | 3.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.00% (p21 of band) |
| Operating expense / assets | 3.46% (p44 of band) |
| Vehicles % of loans | 16% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 8% |
| Third-party paper % of net worth | 17% (p24 of band) |
| Vehicle delinquency | 0.62% (p55 of band) |
| Vehicle NCO | 1.64% (p77 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 103% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 28% |
| Average share balance | $8,426 |
| Participations bought / yr | $23.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $102.7M |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $22,110 |
| Loans granted, annualized | $177.9M |

## Participation posture (from the same filings)

Bought $23.2M and sold $0 in the latest annualized quarter; $102.7M outstanding purchased (108.2% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 1.8% year over year.

## Flags firing in the latest filing

- none

## 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 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | delinquency rising |  |
| 2022-03 | 0 |  | delinquency rising |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 2 | leaning on borrowings |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 2 | assets shrinking | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | leaning on borrowings |
| 2025-06 | 0 |  | assets shrinking |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-08-04 [Foothill Credit Union Selects Spiral to Help Members Save and Give Back Through Everyday Banking - Business Wire](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNeXNCeEhLLVd3a1Y4TUlhbWhZdlZOX3h6VVdyMmVVY2luWkZlOThrUlVfX0tBQThnSWF6bTZfbnFaRDNjRGVrdkpUY3pvc2VNWGRXMnB5bzQ1dkpUSmh3M0swTlZ0VlpKS1Jyc1U3bVhoV1pRRHNEZzVFVHpWYy1uV1FhV0ZncU9qTXJrUTdRQ29GME1QWjBMUWRxQkZ3ZDY2U1hETEJ3T2FUbkdWQlFpTU1QcXZpUHMwdkdxTUROUHZNel84WDZHOWRGQURzTXF3Z3lsVEM0YlF3Q0NTRVd3R3licXhjOU8w?oc=5) · Business Wire
- 2026-08-18 [APL FCU Teams Up with Spiral for Personalized Savings and Charitable Giving - Finovate](https://news.google.com/rss/articles/CBMingFBVV95cUxOb3R5ODJnYTFxdnRXRVpmMWNTRDN2bm5OUUx4VVV1M2V3WnFXNG5sdzE5cWxWZERLck1XSVNJa3ZXaXhPY09hRENSSmREdmdBUzU1bHVmai1jZHo4TEJQSzdvZUxhMEl2dmdwWGZiWEhCR2oyUG5EblZ2b0xyaE5iZkhzYmV6VXRHSkhfWG1aa25HLUpudnpwLVlLem83dw?oc=5) · Finovate
- 2026-08-15 [Robert Dale Way - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxPX0NKeHZZa2VNYkdNSWlXZDA4WG1iWHhDbVZxWlhDZW5sME5RYWRubFU0ajdVdGtyX3h6bmd0ZlJjSTBDYkVyNVR4Q1dibWx4bE5vcVNqS1d2TnZkbktLYkM4RjBMWGlfSzJfang1cUFmVWFfMmxTTGFMbENsUkI1aWp1T2VHRUtyXzJGUg?oc=5) · Legacy obituary
- 2026-06-10 [Teens On E-Bikes Ride Through Aisles Of South OC Grocery Store: Report - Patch](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQeGdTSnUyMEMzTS1LNEtuNEY0ajdEbnJ0cEJoLWozSlZZUHlPWW5Eeks4UHB2SjFKZWNBWVZ3S2tralQ4SGlmampGaHFnbXFJa0hfZEhOcHF3Q3JMOHNwMFlfSVlEVDhNdmFObUxnNWJnVjdKRVJvNnNpamVxcVJMTmg3NnBrYVJoVWhfSlAtYzY1X2VyMGE3VmxNU0hpZ1J5WGlic053elVaZw?oc=5) · Patch
- 2023-08-27 [Best Credit Unions to Work For 2023, ranked 1-35 - American Banker](https://news.google.com/rss/articles/CBMihgFBVV95cUxOSlhGY2UxTDdyY3FkYjNBR214VDU2NEZmbDNyeGtYY05nYXRwX0ZKUWJnZk1yLXBoMkJoejBobWpaX0lMMURfeE11X2IyeElRSFJ4aFVDbXZISzRlQnMycWsyZGxNSTJfNlQ0SFJFSVdQb0xfbUVZWGtsY3FwSVZ1OGJYM04xZw?oc=5) · American Banker
- 2024-08-13 [Eagle Community Credit Union welcomes Michael Kim as new President/CEO - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxNOGlYb3MydG40aV8yd1IzUl9sZlZocl8wMHRPYjh1MXoweDdQYVQ3VV9GX0JxNVZsenlKVkIwZ3c5NWJxNUdsYTJOMldsR01VamJnTGNLM2UxQ294VjBVd2ZXU0gzNFhrTGFTUUY3eEpmYnN4QmJDNjFoVzhMc2p5empLOEd6YXZENFFEVEZPSi1OSVIzSDJvcEhLYW9kQlp6dE5fRWhIQ3J4OFJudkhWeA?oc=5) · CUInsight
- 2023-05-25 [California’s 10 Best Credit Unions of 2023 - BadCredit.org](https://news.google.com/rss/articles/CBMiggFBVV95cUxOOGlVS2RCaXBsZzRVWno2NTFjcWpBYjItQjhFd25zdHNTbE9MZVJZRU9SOEZXV0tMVVpwcjhKdGpIb3VhR2RCUmFWV0VGVzlZMEVrZDdwVHpHZUVLczBOamJ0anA0MGEwaTU3U3pZZ19sVURSX1lXZzZaOS04NGFFYUpn0gGHAUFVX3lxTE83dGNHU3BuTEtqd0dDWUpDVmNJVElCclFOdXFLMzJ1aDBVSXhfZW9WX1ZIM1hua1dYYmJjQXJnOThybFU5bXJDLU1WUWdZaVNOR2VmLXJMS1o1eXktX1VFVXlPWG9sMGNwZXRhbXNYT1JTUkZENjduOGpLSlp3MkU2dnI4cm5JQQ?oc=5) · BadCredit.org
- 2025-12-08 [OC-Based Credit Unions Grow Assets by 8.6% - Orange County Business Journal](https://news.google.com/rss/articles/CBMie0FVX3lxTE0xWng4czZRaUtTZ1cxVXhkOTNGc3doSUltTnlhdnlXZS1uTE1LeElaWUlSMGU3OVdrNXgyUHRrYXYtX0loTkZDQkIyZXdhOXd6QU1WZjBYRF9DSU5OeUpvamRiYll4Y1dNN2hKRkpaY0VaODhMU1loNllZQQ?oc=5) · Orange County Business Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12425 (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/9.json (key "12425", 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=12425
- 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