# MISSION CITY
Santa Clara, CA · NCUA charter 13131 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mission-city-13131

Who the members are: federal charter, community charter, organized 1959, low-income designated. 4,517 members of 1,900,000 potential (0.2% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 134.

**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 | $164.3M |
| Members | 4,517 (3.5% YoY) |
| Full-time staff | 16 |
| Net worth | $14.0M |
| Net worth ratio | 8.5% (p8 of band) |
| ROA (annualized) | 0.57% (p41 of band) |
| Total delinquency | 0.50% (p42 of band) |
| Net charge-offs (annualized) | 0.24% (p39 of band) |
| Loans / shares | 83% (p78 of band) |
| Cash / assets | 6.7% |
| Borrowings / assets | 2.92% |
| Net interest margin | 3.51% (p40 of band) |
| Operating expense / assets | 3.10% (p29 of band) |
| Vehicles % of loans | 16% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 8% |
| Third-party paper % of net worth | 26% (p49 of band) |
| Vehicle delinquency | 0.78% (p61 of band) |
| Vehicle NCO | 0.34% (p40 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 6% |
| Core shares % of member funds | 34% |
| Certificates % of member funds | 34% |
| Average share balance | $14,184 |
| Participations bought / yr | $20.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $27.2M |
| Loans outstanding per 100 members | 134% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $19,360 |
| Loans granted, annualized | $51.3M |

## Participation posture (from the same filings)

Bought $20.9M and sold $0 in the latest annualized quarter; $27.2M outstanding purchased (194.9% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 4.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## 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 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 2 | net worth falling | losing money |
| 2020-09 | 4 | margin squeeze, members leaving |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 6 | capital below 7%, delinquency rising | margin squeeze |
| 2021-09 | 5 |  | net worth falling |
| 2021-12 | 4 |  | delinquency rising |
| 2022-03 | 7 | net worth falling, delinquency rising, 3rd-party paper>100% NW |  |
| 2022-06 | 6 |  | delinquency rising |
| 2022-09 | 4 |  | members leaving, net worth falling |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 5 | net worth falling | delinquency rising |
| 2023-06 | 5 | losing money | net worth falling |
| 2023-09 | 3 | delinquency rising | capital below 7%, losing money |
| 2023-12 | 3 | margin squeeze | delinquency rising |
| 2024-03 | 2 | losing money | 3rd-party paper>100% NW, margin squeeze |
| 2024-06 | 1 |  | losing money |
| 2024-09 | 2 | assets shrinking |  |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 1 |  | delinquency rising |

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

- 2025-12-08 [NCUA Approves New Charter for Haven Federal Credit Union - CUTimes](https://news.google.com/rss/articles/CBMilwFBVV95cUxPM3JyMGZYMmh0QlRZZFdvRDBZXzk2bzJRM1Q3VURSb1lrOU83dDhBbzlncEU5VHhjUTU2MC1EdUtEbXZYZ1hiZXUxcU9DU05lRG93aTl5ajJwRU9JaG53M1dKY3VUNDVEUUlTMXVqSW53UmhraXc1c1hiaXR6aWo5MW1XcTVjNWd4Y1ZibUlRSUZrVU9ISWJr?oc=5) · CUTimes
- 2025-04-11 [These credit unions and banks had the biggest growth in Silicon Valley - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxOVzFBSXllY3pheWdjT3RhNmZrbUhCbFc3MjNyVUtMbE1WQkdpejMySUlNOFVzZ1psNFc2ZVVJcHlMV05Hekk5b0U3S2Zxa1dkMW41cTdvZEgxWUNoLWtVUDFpeVdKbUFPNEFVRHoxcDlFdEpTTlFmSDNfTnBIemN0eXRHbVlMaE9xZmFmTGg2WUtrQ21PeThwSmJZWQ?oc=5) · The Business Journals
- 2025-05-21 [New Greenhouse At SCUSD Farm Offers Unique Learning Opportunities - The Silicon Valley Voice](https://news.google.com/rss/articles/CBMilAFBVV95cUxOWDhXX3VWRWlJSElfdkYyN3FITTJ6QXMzTW53TDhWMU5jVWZQc2FTUERIWHNvZy16TXhXQkFsWHpFbkp6aDFDdENOZnlWMzlhLVpyMnVTOHRuMV9JUUJWS2JYZWFhaGUyQS1yNzRGTXMyU1lZcTBPRU9YRXFQOTRSdE1HOWJnbElMTm1HM0MwN216bnB50gGaAUFVX3lxTFBzSFJFNVhuSS1fQmxRMXI1QVlxUllMYWZsZnpocGdLNi1UV2ttTlJNRUJzVVF6dGFwVi1MbWs2cUwwck5DLU1leU5rUkNLWUlXQXF1ekZDSngwbDFndXhwcll3Y2ZjVHU3WkMyOWtxZkFrMjZkZEdTSDhJQWoxbms4dEpRWFRsMEhpX2s1d2Y0ZmJMT1MwcjhIelE?oc=5) · The Silicon Valley Voice
- 2024-05-04 [Deron Thorp Obituary - CA - The Mercury News](https://news.google.com/rss/articles/CBMiY0FVX3lxTFB3bW5ZcnRCMnNhc2dhSUdCOHl6OGs0eU1MZ3dXUm02OV9vWnB2Rk4tYTVVeTc4WFRrYndYY0xUYlh6Sk0xZ25LcEttbWY2ZTJONU5GWGV5ckNEcHhNWmVqSDllVQ?oc=5) · The Mercury News
- 2014-06-13 [Chamber awards recognize some of Mission’s best businesses - Mission City Record](https://news.google.com/rss/articles/CBMioAFBVV95cUxQZlZGY2FodElwUm9PREF6SHFPVmpxN1B1M0xqSDdfb1NWOWF5OUNiNFFwSFd3alBTU1RpVEhKak1pWkRkaDI4VDZ1MTBiQVk0OHNoaVF1WE5xbTdtQWJpYTJnOTNPMGpkUnZfbno1dlJYNTNCYm1EMFZtVm4yb2RwSFlsUWx4X3o1MFlpYXAxazFPZlB1NEZWdGVlZEFsLTJu?oc=5) · Mission City Record
- 2025-04-11 [Liberal candidate for Pitt Meadows-Maple Ridge riding launches campaign - Mission City Record](https://news.google.com/rss/articles/CBMiswFBVV95cUxPaFpOQTVxTVg5LU9qbU9YMXVrRUgzUXhUUGdxdDd0QmxsREZYWUV3TU5NTmpVa280UW44ZHQwckptV0lSSFN6NHhFUkloWHpwdHAtTy1HVDdyaHZQZkVzdGxTRHNWVE8wWkVHbHVUUUM4RmhVZ2luQWFwOGY2UlFva3FiaUlUaF8yR216em5Md0V0LVU1RHdDazB3amEzMHU1eHRXbjF5RDRrd1JUTzZIZk40VQ?oc=5) · Mission City Record
- 2023-10-02 [Fraser Valley Health Care Foundation elects new board members - Mission City Record](https://news.google.com/rss/articles/CBMipgFBVV95cUxNdmlxRlBCMlJmaVMzVnR6dEliYWV3Z1NuY1E1WXJ2NjVZUXoyaHd4djJzdGFOMzZxS3UyOGYzYkdlZkZRNlUyYTgzOHBkOXVmUUpWd1NuWGdydTQ3YlhReDcya09ha1Z5SHhCMENob29oOTZ1enVJbEhjMFRJT1VJRzRBZ05ueURuOUUzaWU0ampTT2VTLWxGdlBlYXE1RmJ3aUhQN0lR?oc=5) · Mission City Record
- 2018-07-05 [New Boomerango slide set to open at Delta’s Big Splash water park - Mission City Record](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPRXN1TElpVXltSEhCMV9XbU5QU2dVOVd0Z1pseWpkRFhBUnRpb2ppeGRIVTg0cTBJS0VXb1BGVG9JRGVVN1dZRzZNazlmSmZLazd2Ym9MMUd1TTBlTDYyOXNiUmNEMTdkU3lZeV9LaGtMU0tvcWlOdUF5LVFaTjhsa2w1LXBJZ0dyQms3MUU5X21nODlkd1cxRDBzWmxSYWRrTU5LR3FObUloQQ?oc=5) · Mission City Record

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13131 (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/11.json (key "13131", 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=13131
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide