# ANTIOCH COMMUNITY
Antioch, CA · NCUA charter 13261 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/antioch-community-13261

Who the members are: federal charter, community charter, organized 1959, low-income designated. 1,289 members of 126,000 potential (1.0% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 82.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $34.3M |
| Members | 1,289 (-2.2% YoY) |
| Full-time staff | 3 |
| Net worth | $5.0M |
| Net worth ratio | 14.7% (p49 of band) |
| ROA (annualized) | 0.79% (p60 of band) |
| Total delinquency | 1.47% (p71 of band) |
| Net charge-offs (annualized) | 1.52% (p90 of band) |
| Loans / shares | 49% (p37 of band) |
| Cash / assets | 56.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.15% (p61 of band) |
| Operating expense / assets | 2.42% (p18 of band) |
| Vehicles % of loans | 25% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 28% |
| Third-party paper % of net worth | 39% (p94 of band) |
| Vehicle delinquency | 0.25% (p42 of band) |
| Vehicle NCO | 0.16% (p74 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 32% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 5% |
| Average share balance | $10,981 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.0M |
| Loans outstanding per 100 members | 82% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $13,487 |
| Loans granted, annualized | $1.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.0M outstanding purchased (99.3% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares -2.4% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | thin capital |  |
| 2016-12 | 0 |  | thin capital |
| 2017-03 | 1 | thin capital |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | 3rd-party paper>100% NW | net worth falling |
| 2018-03 | 2 | delinquency rising | 3rd-party paper>100% NW |
| 2018-06 | 3 | delinquency 2x band |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 | loan book shrinking | thin capital |
| 2019-03 | 4 | assets shrinking |  |
| 2019-06 | 2 | 3rd-party paper>100% NW | delinquency rising, delinquency 2x band, loan book shrinking |
| 2019-09 | 0 |  | assets shrinking, 3rd-party paper>100% NW |
| 2019-12 | 1 | delinquency 2x band |  |
| 2020-03 | 4 | thin capital, net worth falling, 3rd-party paper>100% NW |  |
| 2020-06 | 3 | margin squeeze | delinquency 2x band, 3rd-party paper>100% NW |
| 2020-09 | 4 | charge-offs p90 |  |
| 2020-12 | 5 | loan book shrinking, 3rd-party paper>100% NW | charge-offs p90 |
| 2021-03 | 5 | losing money | 3rd-party paper>100% NW |
| 2021-06 | 4 |  | losing money |
| 2021-09 | 3 |  | loan book shrinking |
| 2021-12 | 3 | 3rd-party paper>100% NW | net worth falling |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 3 | members leaving | delinquency rising |
| 2022-12 | 5 | delinquency rising, assets shrinking |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 6 | loan book shrinking |  |
| 2023-09 | 5 |  | thin capital |
| 2023-12 | 3 |  | 3rd-party paper>100% NW, delinquency rising |
| 2024-03 | 1 |  | members leaving, assets shrinking |
| 2024-06 | 1 | members leaving | loan book shrinking |
| 2024-09 | 3 | delinquency rising, assets shrinking |  |
| 2024-12 | 3 | delinquency 2x band, loan book shrinking | members leaving, assets shrinking |
| 2025-03 | 4 | assets shrinking, members leaving | loan book shrinking |
| 2025-06 | 0 |  | delinquency rising, delinquency 2x band, assets shrinking, members leaving |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | members leaving |  |
| 2026-03 | 2 | delinquency 2x band, charge-offs p90 | members leaving |

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

- 2024-05-14 [Travis Credit Union celebrates grand opening of new Antioch branch - Antioch Herald](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNYnUxWkczemdtRmNFWjRLVDFsa3pma2ZQSlRyUXlDMHhGNVVPbjZxRnNZTHpQcjdmMFh5a3c3TGZfVFBvMjFqUXpWQVM3M3B2aXNRZllMQmZoVUd4QTk0TnZ3OUhVUUhpZG8zWkdGWUpkaGdPSEZCOHZYS0dTTzZ4N3h4RUk0YjlScEhhRUkxeURReXlmWXVBRm9IcGlLNnlsdlg5X0hTaWlfdWc?oc=5) · Antioch Herald
- 2026-05-22 [Jobs & Economic Development - Contra Costa Herald](https://news.google.com/rss/articles/CBMic0FVX3lxTE5SV0FGOTRpeDlRUjVQNnFnZW5YaDhVb0s5U1NBV09PYzRaUVpjbEV0SkxxbkUwNkV4TXBtaUpneFdRdnpNTi1KeTBCNW5nWmtNdG5lNW1RWmpnLXQ5SWFrd3hWNmFMeWl3ZmlCd0VLR3VhQnM?oc=5) · Contra Costa Herald
- 2021-04-01 [East Bay community rallies to help taco truck family’s ill toddler - eastbaytimes.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZTFEMENES2prRnFuRm5FYjhMUzBxWHktLTNyUlJ3NTRPZ0E4ZzRrdHZOR29lLU5xbW5lY2YwS0dIRmtqcktoMFdqVWZfc0FYTHNNck1MYU1kOGh4R0JvVUl4aGtIcDlMWFdkZDh3UnhYY2hZNVgyOUZKdjRoYzVaektOYzByZDFVU3NWQm9EUXJOTjhlZ0hwYUFDU1dxWE9VemFWbGJtdUxGUdIBrwFBVV95cUxPSnR5empLYVA4bjg1d2ROZ2RmMU95eVh3UV82U3JKVlhxdl83UmdpZGh4aHllWGRMOGlhbU13Nk5iREFoM2laQjlnaW56ZFZzX3ZoTkNhbkZRUC1DaEludHlLTGxsRVM1cHhNc0V5eTVMWnJGT180M3hDelV0VWlybWJNcThNS0s2ZXZRMHdrMFhGcFFtVXRWOEFOSk5UcW1LV0VPcE1ZTDVkUHdIUmVj?oc=5) · eastbaytimes.com
- 2025-04-02 [City of Antioch launches small business support program - Antioch Herald](https://news.google.com/rss/articles/CBMilAFBVV95cUxPcGlsWmRLVG9UTmZyQ0xKRHdXTHB2S3RNZE9kbkptZ0l2RFRMLUc2c0ZXdEpwV3l4MDlJcFRuT2RLLURVZUM1UWs1SW5fc1dHYzVDbC1tTDczd1QwU0tyQkhjSklfcGlZU1NnR3JDVEhrQjNHRzlwMGJPUGlqcjlqQnV1djZyb18ybnJfU0Ewd0xjcGVG?oc=5) · Antioch Herald
- 2016-09-23 [Senior Resource Fair set for Sept. 30 - The Mercury News](https://news.google.com/rss/articles/CBMiggFBVV95cUxQOXhsUjhLT3dhNUE1Vm1GczlCNDBodE9Rb2lvYlV5em5qU2Itd0I4MlAtUVZZQ2NxVldYUU9IUm9HWXN0NnVEWG01c3ltT2dBQXZZQl8xZkppOEdaS3c2b3p6SW1KZ29oa080X2dfMWE3OVN3dktfZ3k1OWxpc3ZTV3pB0gGHAUFVX3lxTE96ck1ySURYTDl3SHluNlpXREF1RVRVUXpNRnp3VFdvMkpQa0UtUmhHWEJCSlc2Q0FkQUI4V2VfdER3TFRJTzJQcDlHWkU2Y3BHclNMLU1tc0lRdHQzdWc0VmVzYUd2SldFcFI5SFJ1dWtUNTA0V2d0SERtbExtUm0wSDJLY0lnSQ?oc=5) · The Mercury News
- 2025-05-03 [Rivertown Wine Walk & Artisan Faire May 10th - Antioch Herald](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcHRIMWtEU0EyekNfV1JwWGpYRUpiaklrbkdHMUg3MU9KWGpraDZLcEQwUUhSc0VEc3E1NWpOdFgzalpJZ1FtYURvYmthQ1l6eDN0MGVhS2dkRXF5OE5EWWlwN0prSU9HRDBZSk1ZNEc4LUgtQ3VKRzJRWTQwNXJPWFV4TQ?oc=5) · Antioch Herald
- 2025-04-04 [Rivertown Easter Egg-stravaganza in historic, downtown Antioch Saturday, April 19 - Antioch Herald](https://news.google.com/rss/articles/CBMitAFBVV95cUxPNnQtZlJyLW1IQWlTV0ZhMjlDems5Umt6bkpoblQ2Q3B0Q3VDd1l6dW1iN0drMS1SbEFmalZGWkNNY2dPaWNHOU5GaFJzRkdRTTZLZ1BKdXdsa3dhVzRLZ24zeDA2eDVEX2Zab3g4Tk0wdkVQWVYzOTU5OFlGdXRXVm1JNXVjbGtHTlU0MXpLUzRlNmlIb05wTlo3NFdDbVJoUUNxRFJGYVpheG5Yc2d0Nm93ajY?oc=5) · Antioch Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13261 (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/13.json (key "13261", 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=13261
- 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