# INLAND
La Mesa, CA · NCUA charter 14016 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/inland-14016

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 1,239 members of 15,000 potential (8.3% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 25.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $14.8M |
| Members | 1,239 (-5.0% YoY) |
| Full-time staff | 4 |
| Net worth | $1.2M |
| Net worth ratio | 8.0% (p5 of band) |
| ROA (annualized) | -0.51% (p15 of band) |
| Total delinquency | 1.59% (p73 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 54% (p46 of band) |
| Cash / assets | 27.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.47% (p33 of band) |
| Operating expense / assets | 5.12% (p80 of band) |
| Vehicles % of loans | 42% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.74% (p86 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 13% |
| Average share balance | $7,540 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $24,013 |
| Loans granted, annualized | $791,292 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

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

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

- 2026-09-01 [Expanding Economic Opportunity: Altura Credit Union Earns CDFI Certification to Support Inland Families and Businesses - blackvoicenews.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5qNDNBR2dVcUV1eWRiaTRpa3hIZVEzVXd6Ml9vNVR3WXBVWm5ac0l5dTRWbzNuOTRxWTF2SWlQT19JMFRVQlNOS1JuTWFHb1RoZndNVTlYVURnWUJQNEJpbERnTnJIUVh4c2pVOUtFaTNEQ29wTl9MNm9qSDJXTTg?oc=5) · blackvoicenews.com
- 2026-02-26 [2026 Inland Empire Heroes Awards Honorees Announced - American Red Cross](https://news.google.com/rss/articles/CBMi8AFBVV95cUxOZ1FOLWZNLWg2ZEk1aUJka2pjY1h2cEJpbVlZQ29oclJuRGRXNm92YnF5dEhsVllKblNPZnBjb2FWMXVFRTc2YlI3bE9DRHlNS2htQjB6ZXlvbEtsZlZIeFFVVk00LW1kZDYwa2dqOWZWZGUzWVkxVXQ4aFNKRzMtbVZONV9qSS1oR0NnSzRHTl9LbE4ybWRfOXFhcE9KWng0a3d3WGRrVzAyWkw1WlhrMXFVUTlnc3RRU3REVUpMb05HaFNPNnhPb3JNVi1ORzhCS0FpOVMyTmNZOW5LeWtmZHhVc2llM3lBTkF4ZUM2Q1A?oc=5) · American Red Cross
- 2026-08-13 [Inland Empire Homebuyers, Small Businesses To Benefit From New Certification, Rep. Calvert Says - Patch](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNcmlHUU5wRlJDbDNqSml3dHZueGZRVjZLcEQzT21uYnBpck1EVFZ0cVQ5RTR2MTVXMk5aM2k0ZUkwUkFBZHBZazVLTVFlMkNreC1majhBTW85VWwtYUJIaUltaHRVVXU4bW1JeDJQZmtHVlF2SXM1eG9qWkRBUFg3aGR2WjZuaFJqZGZSckpjYjFlSTR6bzNBMXpGeDZRR2h4THFGZXlVdEFqbHIxN0pRMkRoWkdnbUlP?oc=5) · Patch
- 2026-04-16 [🗞️ Riverside News- April 16, 2026 - The Raincross Gazette](https://news.google.com/rss/articles/CBMib0FVX3lxTFBMd2tqbXRxZGJLdG9Fd1Y0YWpPa3U4dzQtcW5BajhiWjJQSGJrMmlYeXlmb2Mta1lNWng4YW5NVWRjb1FwM1AwdVZPa2gyanB6cnVZVGVZOWZuTUZLYml4bjZQUHZmQkk2SC1ralk4MA?oc=5) · The Raincross Gazette
- 2026-03-09 [Robert Chaffino Obituary - Upland, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPRTAtRzZnckFpRExSS1JjLVYtcTNYdnhXTzJtXzhoc2NCbnRhWTV2eFliVmQySXdQYXFsRjREeUZSMEdQQnVlR3NRNmJ0bGpqbGNsblVXZ1poZmpOWWl1Ty1Gb0RneTR2cHVMazBtRVpWcUhSUWZDNDBFNWVqazdjOTZmRQ?oc=5) · Dignity Memorial
- 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
- 2026-07-13 [America First Credit Union Expands Service in Southern California - Morningstar](https://news.google.com/rss/articles/CBMixAFBVV95cUxNaEh3LWxJVm5CV3BKY0c5eWFsX2IxTWJTc0tuME9Eb3pYOVRYRXZ1dURVR0tBelpBM1EzTmJZWHluMEdYd1dkczlKckdRNFBYQUhRTUM0LUxfcFMzVkdkSG56emhHc2VpLVFsNFhUdDZhczVQRjg3bW9oY2JaWlhTaThQZkNyYlpVT3NXYm1hUTNTdjIyRDFuejRzVnhkckNFTGs0ZWZHdFBYV3lzeHZnRWY0T1h5TTlBckRWSWlKZjNGVTAw?oc=5) · Morningstar
- 2026-07-23 [Civil Rights Institute of Inland Southern California Proves its Relevance in an Evolving America - blackvoicenews.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQWWZkU1BtSHFpNjdvMjFvZFhBM2kwbWdOUU9Md1ZuWi1ILVctVm5zc1NjVDNIb3A2Nk5tcUNkYzBqUVV3Xy16aDBmcVhGRnlxSUZ3Mjk4Q1FObjFfS0pScGpLLTlkcVBKTDNiNjhNM1MwOGVXdlV2S2ZyZkVESy1McVNn?oc=5) · blackvoicenews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14016 (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/0.json (key "14016", 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=14016
- 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