# COUNTY SCHOOLS
Ventura, CA · NCUA charter 13495 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/county-schools-13495

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 4,643 members of 50,000 potential (9.3% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $91.5M |
| Members | 4,643 (-2.6% YoY) |
| Full-time staff | 15 |
| Net worth | $7.7M |
| Net worth ratio | 8.4% (p6 of band) |
| ROA (annualized) | 0.10% (p18 of band) |
| Total delinquency | 1.27% (p80 of band) |
| Net charge-offs (annualized) | 0.58% (p76 of band) |
| Loans / shares | 72% (p71 of band) |
| Cash / assets | 17.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.91% (p14 of band) |
| Operating expense / assets | 3.24% (p39 of band) |
| Vehicles % of loans | 19% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p52 of band) |
| Vehicle delinquency | 2.03% (p90 of band) |
| Vehicle NCO | 1.83% (p93 of band) |
| Repossessed % of vehicle book | 0.05% (p80 of band) |
| Real estate % of loans | 78% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 28% |
| Average share balance | $7,772 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $572,579 |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $25,739 |
| Loans granted, annualized | $3.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $572,579 outstanding purchased (7.4% of net worth), $4.1M sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares -6.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 4 | members leaving | net worth falling |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 5 | net worth falling |  |
| 2018-09 | 7 | capital below 7%, loans>95% of shares, leaning on borrowings | charge-offs p90, members leaving |
| 2018-12 | 4 |  | net worth falling, capital below 7% |
| 2019-03 | 2 |  | loans>95% of shares, leaning on borrowings |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 4 | assets shrinking |  |
| 2019-12 | 3 |  | delinquency rising |
| 2020-03 | 6 | capital below 7%, net worth falling, delinquency rising | assets shrinking |
| 2020-06 | 8 | losing money, margin squeeze, loan book shrinking | delinquency rising |
| 2020-09 | 9 | delinquency 2x band, delinquency rising, members leaving | 3rd-party paper>100% NW, loan book shrinking |
| 2020-12 | 7 |  | delinquency 2x band, delinquency rising |
| 2021-03 | 2 |  | capital below 7%, net worth falling, losing money, margin squeeze |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 | delinquency 2x band | members leaving |
| 2021-12 | 1 |  | delinquency 2x band |
| 2022-03 | 2 | loans>95% of shares |  |
| 2022-06 | 5 | net worth falling, delinquency rising, leaning on borrowings |  |
| 2022-09 | 3 |  | net worth falling, delinquency rising |
| 2022-12 | 3 | delinquency rising | leaning on borrowings |
| 2023-03 | 2 |  | loans>95% of shares |
| 2023-06 | 3 | delinquency 2x band |  |
| 2023-09 | 4 | charge-offs p90 |  |
| 2023-12 | 3 | assets shrinking | delinquency rising, delinquency 2x band |
| 2024-03 | 2 |  | charge-offs p90 |
| 2024-06 | 2 | net worth falling | assets shrinking |
| 2024-09 | 3 | members leaving |  |
| 2024-12 | 7 | losing money, margin squeeze, delinquency 2x band, delinquency rising |  |
| 2025-03 | 7 |  |  |
| 2025-06 | 2 |  | net worth falling, losing money, margin squeeze, delinquency 2x band, delinquency rising |
| 2025-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 3 | loan book shrinking | members leaving, delinquency rising |
| 2026-03 | 4 | assets shrinking |  |

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

- 2025-09-29 [East County Schools Federal Credit Union appoints Matt Lyons as new President & CEO - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxQOFpYT1RKNnlvMlNKYnNBNjNLcUNJcUdOVzVpYjNybm9SQy1GOHdOUl9UQlZ3Rk5WSFprUW5Kb3k0YW9RNnZoUFMyQUs0Tm1Ya3RWbFpaZTFwbUItaXBaZUl1bkc3ODZfMnc3bU0weGtEZk0xTDNKS0s5b1RtWFQyalQ4U25rRlEzNU5vS05TZFUyTmxMXzlMTzBLSXR2UVlVM2hDZXNQY3NacWFNUS1nbnlZcXBkdHlWaHVzclpPcw?oc=5) · CUInsight
- 2026-04-20 [Addition Financial launches LCS debit card to support local schools - Tallahassee Democrat](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPN3FRUm13bWYyR2RXbWE3dXVjNTNfWUtVdkxZeVdOcUFkaU1DN2RjZlF1ekl0alY1UzRGU0VkUFFPc0xNVnhnUWZmUmpzcGZCWjVWeEMwa09SbFAxWndjX0RQY0tvSTh0ZEcwdjV2SF9LYld2Ukp1X19GLUl3Ty1LeENRTk93MFJ1RExpcGNsZVFVYlhfMVQycFJXUGU2UTl4UEhtQW5Td3Z3ZS01OHVSUU5EX0p6LWNhTncxX05wNG1wcjI5ME1yUUZQWWRXS0swbHlJeVhTelBzVkk0UFlJN3FrUms?oc=5) · Tallahassee Democrat
- 2026-03-19 [SDCOE Recognizes Schools That Support Military-Connected Students and Families - San Diego County Office of Education | SDCOE](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNYml5aWFwR3RNbDV3ZWxxRWZFRXgyMGNuR0V0OURUaVA0bDRXQ1JQZ0V0Wm9LTEUxWmhGZnRaWHJCd182cEhSUlJvTVVjLWtOSzgxUnhFSDJvLVZTaHF6czZ4RlB6dnJpbHBwWW5VOWVzbXZ4dlhJellpMGNoTXYzbmNTcDdVQVFiMzVoWmN3YWFBOUNFTTVhZ3h5QlBHUFZ6SGVldjRNSmxKYnRDWXdWT1FIdEVtVHdRZ1FLM0VhOXVrczB2WGhNLWVHcjFPQjh4T0R5eU93?oc=5) · San Diego County Office of Education | SDCOE
- 2026-08-19 [Yuba City kindergarten teacher wins $30,000 for Barry Elementary School library renovations through the NBC Sports All-Star Teacher award - appeal-democrat.com](https://news.google.com/rss/articles/CBMimAJBVV95cUxQLWhNejlxVk0xUHpad3lDRWlBajhIdHNGdEtvaXNxMVM0TlZOd0VvWFRBVWFfbFEzaFFyTGJadU9rRllyam45T2V2bFJ6ZExxd3NORm9TQi1pcEpHRzZIM2piay01MlZ5NVpiX1BDYzNnUEVIOVFkY0x6VThsYm1OcUFvUmpHSUlsYTFuNWZaVGlpWWkxQmplTUh2NmFtaGZZNkEwVXVkQTkybGNxQmRQQ2xsSjBablpLb0lrc3Q2T0VtRVZzS3F3dzlLSEpqZGwyZnlfVWh0Z1dGYVBHaUdpd2RUM2xMY25ybk9OLTVQbGZpd0pVdmNPRFhIc0FBNURrZVd4d3JqMHZFYzhERTFBRGFGeVc0U3Jn?oc=5) · appeal-democrat.com
- 2025-10-10 [School District of Lee County Awarded $301,600 from Suncoast Credit Union - Lee County Schools](https://news.google.com/rss/articles/CBMihAFBVV95cUxPVWx6ZlJETENaWmM1Z2pxZ1EtTjdRS2tiLXZTdDVSM21TRjBOaUk5Ri10dEtfYVE4bkU1YlFud1FfOXg1dXp5eXlFNng4aUkxaG1nZERoOXNyUXh1c0REdTNNWFFaYWlzNFdhZlFXWDNwVnRGMVFQVzhVV2RJQjl5TDRuOHQ?oc=5) · Lee County Schools
- 2026-02-10 [Foundation created by SchoolsFirst and OCDE announces $280,000 in teacher grants - OCDE Newsroom](https://news.google.com/rss/articles/CBMipwFBVV95cUxPb25Sd2hiYUo0UUwyQ0JXYnYtVEFqb1JuM2ZkT0pWOS1uX3NrakdxZDU2dkRVYmFza1RYNnJRY2Q1U1lwcHBBT05UVDQzTFJLYmFoMUpJcVlZbmNhNkJzYzFGS0JqT3F4cXMzNmVHRUI3eHcxbzJaakpCZXp3cng4YlA5NEN5SnJlNEdocXFqWDNIQllHWUlwMGNzbk4tUEJZT0ZSNER1RQ?oc=5) · OCDE Newsroom
- 2026-04-20 [Addition Financial Credit Union launches debit card for Leon Schools - Tallahassee Democrat](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQRmMxVS0xaS1tYk5DalhCS1hfSU5MaVlfdEVZWmRyT1FVUjJwZ21Gcm1sdElFbV9zd0JyMWFnS3RHcndfVjktc3Q1ckxjVWczRl9SYkhXdlB4dUZkV19sMC1qUHlNSGpOUEo1Z09HelJjZDN6VUdOMzhkZXFUb1VPOVd1QkpoOGRHUUZaZGNqbUNLQVRRV0U5S1YtbnM2RjRsaHZPcVJUQzdIMHM?oc=5) · Tallahassee Democrat
- 2026-03-13 [Mountain Area Schools Shine at Madera County Academic Pentathlon - Sierra News Online](https://news.google.com/rss/articles/CBMimgFBVV95cUxOOW5iWnAxaDctYThESEcyeHQ3ZWZBclR6bE91WFpVaUxERDBCOWJrTkswOE9jMHZPQXk4QzA0WFdqekl6b041YmZtSXRiemZnMTdrTGttalZlUXRuOHB0Q2Z4b1RzUUF2VnFQYmkycjczU1lIY2dCTzJqMXkwWl9ySHVoZ29rNFVlNkgyU09hRDZ2YjNtWlZBOUFR?oc=5) · Sierra News Online

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13495 (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/55.json (key "13495", 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=13495
- 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