# FONTANA
Fontana, CA · NCUA charter 12898 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fontana-12898

Who the members are: federal charter, multiple common bond, organized 1959, low-income designated. 1,429 members of 4,949 potential (28.9% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *auto monoline*. 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 | $17.2M |
| Members | 1,429 (0.0% YoY) |
| Full-time staff | 3 |
| Net worth | $1.5M |
| Net worth ratio | 8.7% (p9 of band) |
| ROA (annualized) | 0.10% (p28 of band) |
| Total delinquency | 1.38% (p69 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 43% (p28 of band) |
| Cash / assets | 47.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.90% (p16 of band) |
| Operating expense / assets | 3.28% (p40 of band) |
| Vehicles % of loans | 83% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.84% (p61 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 28% |
| Average share balance | $7,725 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $11,658 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 2 | losing money, delinquency rising |  |
| 2017-06 | 4 | net worth falling, charge-offs p90 |  |
| 2017-09 | 3 |  | charge-offs p90 |
| 2017-12 | 3 | auto monoline | net worth falling |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 2 | assets shrinking | losing money |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 4 | losing money, loan book shrinking |  |
| 2019-12 | 4 | delinquency rising | assets shrinking |
| 2020-03 | 4 | net worth falling | losing money |
| 2020-06 | 4 | members leaving | delinquency rising |
| 2020-09 | 5 | margin squeeze |  |
| 2020-12 | 6 | losing money |  |
| 2021-03 | 6 | thin capital | loan book shrinking |
| 2021-06 | 7 | delinquency rising |  |
| 2021-09 | 6 |  | delinquency rising |
| 2021-12 | 7 | delinquency rising |  |
| 2022-03 | 6 | delinquency 2x band | net worth falling, margin squeeze |
| 2022-06 | 5 |  | delinquency 2x band |
| 2022-09 | 5 |  |  |
| 2022-12 | 4 | assets shrinking | members leaving, delinquency rising |
| 2023-03 | 2 |  | losing money, assets shrinking |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | assets shrinking, members leaving |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 2 |  | thin capital, members leaving |
| 2024-12 | 3 | thin capital, delinquency rising | assets shrinking |
| 2025-03 | 6 | net worth falling, losing money, delinquency 2x band |  |
| 2025-06 | 4 |  | losing money, delinquency 2x band |
| 2025-09 | 4 | loan book shrinking | net worth falling |
| 2025-12 | 3 | delinquency 2x band | thin capital, delinquency rising |
| 2026-03 | 3 | thin capital | loan book shrinking |

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

- 2026-08-10 [ArrowHeart Foundation and Arrowhead Credit Union Light Up the Night at National Night Out - EIN Presswire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQUXF3MmJ0dldNdm5udUpnNVZoaDZHYnNPSWNrXzF1SG5MdmlFNGxzemM0YmVVb3NvZjdPSW1jcDBkRUJnOFBzUmh4bllwYlNPdTBYS3BMNlBYcG9MX0RscFNfcFpNQW94dHpBV0YxRF9EMUVhZE4zOGpkWE1pSEVsbWpTaFF5UnRiRERnZlUybFdvcXFzejJYR1ZTUUgtTmMzbFlhRGhYVDJYNGZROVRJOE90SUMzaFAwOTZ0eUFvN2UzMTl2SHRxeVBoV19GekRWYUE?oc=5) · EIN Presswire
- 2026-06-06 [Special Olympics once again brings together hundreds of athletes in Long Beach - Press Telegram](https://news.google.com/rss/articles/CBMivAFBVV95cUxOX3hCOHdJV0J6M09XdElMRnRXSG5ucGJqZWVvS1VBX3NCNU9iWlQtcE5HVk8tS2JNcWUxQXBOWUh6VmhOZ2FXV3JaQ0ZHLU14NFpQNnh1bDBLVy1maER2aktURmtBSzBfdVpjN3prRlg5dmRWdHJEY2VPWUYwcFNSUF83WlVocUFTQjA1ZVBSWkYxcFdpRmdjSU41c3k2YmZtSGJ0Ny1hdlYxNDBmQ2duSkk0QXNzNVdJVWJwZw?oc=5) · Press Telegram
- 2025-10-16 [Xtend announces Stuart Kuzik has been selected to serve as the CUSO’s new CEO - CUInsight](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNR2hoU0hGNHpvZVpRMjdJLWVzLTR5RFRPZTAzWWZFMDdXRnlxWlhfajhEeW0tOTJLdXd3Z2NpTnE2YVAwTzh0bEM3bnN1SFZVOWR1dWlzbUZxcy0xUWFCZHU4bElnYWhCZHc3dHIzRWZ1V2h3UDJLXzhqVklDV2g2VXRhWHFsQlBzbEJaRWw5Y0JIVlFmSFRyYlNBX09oa2VRRHZXV3YwQzVHSlE2cnhDYzhwaDRqU2NE?oc=5) · CUInsight
- 2025-03-20 [SchoolsFirst Federal Credit Union Gifts $200K to Support CEIS Programs - cpp.edu](https://news.google.com/rss/articles/CBMivwFBVV95cUxQMndEaC1PRFp6ZV9ndkZkZmhlMGRNYVNNMm1OY0pqZ21zVlgzN1lxV3FTT2dScTl6TjVZQ3VlSWFXd0c1TVVmQWR2cGlBX0xabUJIcjdqSWhwSUhpYjNCWE84X1lWRDJ1eTZaR28tbVRwb0NCbEtmVjFNMGpkM0dRR3l3U01qaXRwZ09JMjZIMi1YXy1IUFNRRzdqUXJMV2NReDRpMFc2NUpBNTVIYjlOTThLd0JSeDZ0aHVkQU9Vcw?oc=5) · cpp.edu
- 2019-09-26 [Credit union managers raise funds for kids during ‘Dancing’ event in Fontana - Fontana Herald News](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPOGx1WElvOEtUazJmWndvd2p0VnlVZnRoRnZNYkRBVkswa3o4RE4tYmoycHNkS3F1eUpRak1XZU5oVW9oajVrVkVNeVJ5Rjl3djgydGxWTVZqaThSUURNZGEtVk9jUEhrMmNaa1VleXhSZF9hazFmcENSbHI5dkZWTl9aaWdkTHU0YkFGMWlDZkhtb3BOSkhOVER5dlBENENGR3BzTjVEYkdCbjRZemFLTlUzYUVjZllvRkcxdEpOd28wOXA4OFVySURLZDBKYXhFNnpib3pZZ1RfUi1LV3VfSEp0Sjd1WVNaT3R1V2NHWGN3NVcwR1E?oc=5) · Fontana Herald News
- 2021-03-26 [A new kind of shared branching for trio of Calif. credit unions - American Banker](https://news.google.com/rss/articles/CBMisAFBVV95cUxNUF9qWVVucXg2V1NiU0tQZTBIVlZ5QWozbHVFMzNrbjJsTlIySEdmTWZKOUhmNVFiUmtHR0lBZmV4MXJERjV2NGpSd1hReDdJdmlDYjhwcWE1ejZrbXJRWEhFWDlHSjdOOWRraWE0ZzlDcWN0ME9qeURuRWVPeW93TjVvanlsdU03alBseUE2RlFFbWNHUWdqb1BYM29heVR0QVZDbkQ4VmRpaHpCaWloaw?oc=5) · American Banker
- 2022-03-14 [Credit Union of Southern California debuts new Credit Union Center - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOSnRvak1rbnY4NklxYzRzSXRCdnR5TWFiR2gzNWZPdWpVS3NCUUxMXzVOckgzTHNHOUprVVdBd0pNeFByUExSb01iaE85cS1fZlVuVGdsbjM0LUY1U0RQbXdtRm9ERTQ1NTkzbk90WkRDSHdwYkRMX3JRN3JyTnJ1TTdpRElqalhHMmJQbVI4UjNkcmhid1pBXy0wNGJNT291TFhUMFhySV91NFU?oc=5) · CUInsight
- 2023-09-03 [Beware of ‘bank jugging,’ California authorities warn. What is it? - Sacramento Bee](https://news.google.com/rss/articles/CBMibEFVX3lxTE1fZEFQZnhjb1NkaGpzaGlMSnV3azB3QUJFc3VZX2k3V1RpUWtyQ2dDUWY3aDFJekdZdWdSU0FPNHc3RGw2bmlGUG9lM2p1VzV3cVk3TDN1dVdsLUlwVWQ5emdEZV9BMV9XUnotcNIBbEFVX3lxTE5uNzBabE9LRHdnTE1LcTl5c0hKV1BGTTFoNzN1TFpwcXdEbmhZUWhOQnpRU1Q4a09pWmlFbVdUd2owZHpVTnYyMFNkNVRKUWF6MWtrdUNWeVlzbE1wX2x6dVFxWjhlY3plT1JwNA?oc=5) · Sacramento Bee

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12898 (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/34.json (key "12898", 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=12898
- 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