# MOKELUMNE
Lodi, CA · NCUA charter 13265 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mokelumne-13265

Who the members are: federal charter, community charter, organized 1959. 5,927 members of 800,000 potential (0.7% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *auto monoline*. 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 | $58.1M |
| Members | 5,927 (0.2% YoY) |
| Full-time staff | 14 |
| Net worth | $9.0M |
| Net worth ratio | 15.5% (p73 of band) |
| ROA (annualized) | 0.79% (p56 of band) |
| Total delinquency | 0.37% (p36 of band) |
| Net charge-offs (annualized) | 0.02% (p20 of band) |
| Loans / shares | 55% (p39 of band) |
| Cash / assets | 52.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.65% (p50 of band) |
| Operating expense / assets | 3.64% (p54 of band) |
| Vehicles % of loans | 86% (p99 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.23% (p27 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 3% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 6% |
| Average share balance | $4,457 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $16,138 |
| Loans granted, annualized | $9.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 3 | net worth falling, delinquency rising |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 | margin squeeze | delinquency rising |
| 2021-03 | 4 | delinquency rising |  |
| 2021-06 | 3 |  | delinquency rising |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | delinquency rising |  |
| 2022-03 | 3 |  | margin squeeze |
| 2022-06 | 1 |  | net worth falling, delinquency rising |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 | members leaving | assets shrinking, delinquency rising |
| 2024-06 | 3 | delinquency rising, assets shrinking | members leaving |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 2 |  | delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | delinquency rising | assets shrinking |

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

- 2021-09-28 [Victor Marquardt Obituary (1935 - 2019) - Lodi, CA - Lodi-News Sentinel - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPX0VhVXZhUWpxQU9nZ0xaZ3hJZU1Rb0N4ZnVRbzNjcmthMXNqZkxMYXUwV3R5UXg5TzVyZU9QVWxWQ3BieFB5ZW1MMVhPdnZucGVwMFNtdnpwQXQ3NVRFV1RQU2ZTWWhPMFgzTDNCTVFqanZ5U18yOC0ybWl4UV9kaVZXSXFOcUZENVVhd2FzM28?oc=5) · legacy.com
- 2023-01-04 [Live updates: Winter storm slams Northern California, two bodies found in flood waters - Sacramento Bee](https://news.google.com/rss/articles/CBMib0FVX3lxTE4zMEItS2xRUVZGV1p2U1hZQzZaOGdGTnJsN2liYlp6MzV4andUVlZaajJmZXV1eUtWNVBfbUdyLWJ4YTNlLW1JNmZxRGhMVzNXN1RJLTFDeVlwVDd1VXRlVm03elVKNzZnQWFtclJGYw?oc=5) · Sacramento Bee
- 2021-10-03 [Edward Kermgard Obituary (1943-2015) - Lodi, CA - Lodi-News Sentinel - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNTG1IQXRxaUp4dHBrMTZnNExLQlk5emcwZ1hsNHRpN1ExdEducFpLUnk5anYwaThDVHVtQjlNTGI3VTA5R194ZWpxSm4zY3JHdjMtX1RoVFFMRURWR3dGRzQ1SnRiMVFPZU1hQUVBS2M3MlAtWUM2c2ZDQ3l1MDB6VkoyalREOEU4dERBVmhnQ3Q?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13265 (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/17.json (key "13265", 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=13265
- 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