# TORRANCE COMMUNITY
Torrance, CA · NCUA charter 12543 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/torrance-community-12543

Who the members are: federal charter, community charter, organized 1958. 8,075 members of 394,013 potential (2.0% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $160.0M |
| Members | 8,075 (2.8% YoY) |
| Full-time staff | 19 |
| Net worth | $16.3M |
| Net worth ratio | 10.2% (p29 of band) |
| ROA (annualized) | 0.61% (p44 of band) |
| Total delinquency | 0.06% (p4 of band) |
| Net charge-offs (annualized) | 0.11% (p23 of band) |
| Loans / shares | 48% (p14 of band) |
| Cash / assets | 13.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.28% (p29 of band) |
| Operating expense / assets | 3.14% (p31 of band) |
| Vehicles % of loans | 25% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 25% (p48 of band) |
| Vehicle delinquency | 0.00% (p3 of band) |
| Vehicle NCO | 0.12% (p23 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 12% |
| Average share balance | $9,131 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $16,930 |
| Loans granted, annualized | $28.0M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 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 | 2 | margin squeeze | delinquency rising |
| 2020-06 | 4 | net worth falling, loan book shrinking |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 5 | losing money |  |
| 2021-03 | 6 | capital below 7% | losing money |
| 2021-06 | 6 |  |  |
| 2021-09 | 6 |  |  |
| 2021-12 | 5 |  | margin squeeze |
| 2022-03 | 4 |  | loan book shrinking |
| 2022-06 | 4 | delinquency rising | net worth falling |
| 2022-09 | 2 | assets shrinking | capital below 7%, delinquency rising |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 3 | leaning on borrowings |  |
| 2023-09 | 3 | delinquency rising | assets shrinking |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 3 | assets shrinking | leaning on borrowings |
| 2024-09 | 2 |  | thin capital |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | delinquency rising |
| 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)

- 2023-12-11 [Torrance Community Credit Union welcomes Michael Wilkins as new CEO - CUInsight](https://news.google.com/rss/articles/CBMirAFBVV95cUxObWxyUkF6S1RTRFhaUDhtcEp0bkxQek5VNXRrWWxFWjNKb1k4cDRPMFFkR0NJMTJkUGt4aDJjdHhuX1J0Nmx4SkFnVVpSOERkUkkwaDN0LWU4Z0R2LXB0aV9MQm9ianEwYU0weV96RkpPb2U4VHZ1TzZRd0NZeU5VLU9HSjhBel9xbTRhUnhPRmk4MWVsd0c4UXhjRWlmZlFuQ0NUWGdpeEhTWkVC?oc=5) · CUInsight
- 2023-12-29 [December Banking People Moves: Who Stayed, Left and Got Promoted - The Financial Brand](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNWVhKajUyRFRhS1lpQUd0UmhJdHlQNnY4aEl6amswQzRUbjdYZWxMU201dkVqbW1QdHpEQVdPVGJQelpmVXRBWWdlVk1kTzBuS000LU1ZS3NtQXpfUmZ6bXBiRVhPc2lGQnd1dnczdkp3YXpJRFRSUFNZVXE4M0trWjNyTEFVVlk3M2JVUVhEb3RWbTN0aU9pd0drUEppWXltY3BRd0l5RjlfN2xFSUZhdmlqaDN2ZFN1?oc=5) · The Financial Brand
- 2026-08-26 [Linda Barnett appointed as new council member for Torrance’s 4th District - Daily Breeze](https://news.google.com/rss/articles/CBMisgFBVV95cUxNTlNTX2pPZTNTZGFHVy1JdnVqTXlqZW9WWWpxZTFtT3hGdGpzSnNhbDR6bFFDc2FHLXc3UTdSbHQ1MTRJd0VsSnF5dmJQaUxKT0JMbEo3US1TRWxaQjNxczY5S2ZDeEQ0LWhqWGRhNDNFOUxTam5DVVpxVDhDa3MyWV9PY1BPclJqdlJmWFBMYzhHWGlPazhCLXdtVVhwMzR2ZGhPZjA1RHQzbUkxMXhPQU93?oc=5) · Daily Breeze
- 2026-08-13 [Disney’s Frozen the Broadway Musical at the James Armstrong Theatre in Torrance - Culver City News](https://news.google.com/rss/articles/CBMirwFBVV95cUxPMkNHb1VwYlgyNFMxd0ZBNEVQaTFtZzZHcno3YktqQzFXSjRDUERQWnFVNWVNUHV5T2cwVGNnVktmRUdmX3FBLVNqZ3VUdmoyUTVWMDliSzBqSlZGMWhFYldNZDBQQXVXMTZDT05IVWFaaXhza3NNcGpvdy01V0RzWFR5VUpmYkhrcFpiQm1qX2k1dHBrNXdxZkFHZlZxbHhEcUZtblVsTkFfeGdNX2Rn?oc=5) · Culver City News
- 2012-11-27 [Dying man on windshield: Accused driver works at California sober-living facility - The Mercury News](https://news.google.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?oc=5) · The Mercury News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12543 (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/63.json (key "12543", 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=12543
- 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