# DIABLO VALLEY
Concord, CA · NCUA charter 14409 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/diablo-valley-14409

Who the members are: federal charter, community charter, organized 1961, low-income designated. 2,205 members of 250,000 potential (0.9% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *too clean*. 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 | $40.1M |
| Members | 2,205 (-4.1% YoY) |
| Full-time staff | 7 |
| Net worth | $4.3M |
| Net worth ratio | 10.8% (p22 of band) |
| ROA (annualized) | -0.06% (p22 of band) |
| Total delinquency | 0.04% (p20 of band) |
| Net charge-offs (annualized) | 0.05% (p56 of band) |
| Loans / shares | 52% (p41 of band) |
| Cash / assets | 27.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.52% (p35 of band) |
| Operating expense / assets | 4.27% (p66 of band) |
| Vehicles % of loans | 6% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 40% |
| Third-party paper % of net worth | 10% (p90 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 72% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 50% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 13% |
| Average share balance | $8,221 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.3M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $19,952 |
| Loans granted, annualized | $2.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.3M outstanding purchased (52.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -1.2% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)

## 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 | 1 |  |  |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 | assets shrinking | thin capital |
| 2018-12 | 1 | delinquency rising | assets shrinking |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 2 | delinquency rising, assets shrinking |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | assets shrinking |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 3 | thin capital, margin squeeze | delinquency rising |
| 2020-12 | 4 | delinquency 2x band |  |
| 2021-03 | 3 |  | margin squeeze |
| 2021-06 | 3 | members leaving | delinquency 2x band |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | net worth falling, losing money, margin squeeze | members leaving |
| 2022-06 | 2 | members leaving | net worth falling, losing money, margin squeeze |
| 2022-09 | 1 |  | members leaving |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | members leaving |  |
| 2023-06 | 3 | delinquency rising, assets shrinking | thin capital |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | members leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 | loan book shrinking | delinquency rising, assets shrinking |
| 2024-09 | 0 |  | loan book shrinking |
| 2024-12 | 1 | assets shrinking |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 | net worth falling | assets shrinking |
| 2025-09 | 2 | delinquency rising, assets shrinking | net worth falling |
| 2025-12 | 0 |  | delinquency rising, assets shrinking |
| 2026-03 | 2 | losing money, members leaving |  |

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

- 2022-03-31 [SchoolsFirst Financial Corner - FOX40](https://news.google.com/rss/articles/CBMibkFVX3lxTE1zZGlCRVotYmEyaVZLQzF5aWUxY1VJMTB2VTZVVl9LRDBQb0RDLWZuTHU3bDYtVXdwOU9YOGQtNG9xS2d5MW1SZC1xTzBPWkozODNILXVrUE50UUp4UW1aNmlvbjdfdUZYRmtLZVhR0gFzQVVfeXFMTjRsWHg1MU9fWGdJQ2kzSFFqQ0JjbkRVWGg4S1JNVmUzT3ZEUGdwS1pCTGd2ckJLcjFxOWdmQU9wcjVtMk4tLUw4ZkU3aGZGaC1sTTktOU9JX2V5UlZVMG1zX25ROEk2NUFFNWp1S21Fcmdpcw?oc=5) · FOX40
- 2025-04-24 [2 men, 1 shot by police after pursuit to San Jose, charged in Concord credit union robbery - CBS News](https://news.google.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?oc=5) · CBS News
- 2025-04-23 [Concord: Charges Filed in Robbery, Pursuit That Led to Officer Involved Shooting - Contra Costa News](https://news.google.com/rss/articles/CBMitgFBVV95cUxPcGE1cVA5bHhheG5fWWRPOG43Wm5xYW5XYkw1bS1BZTFObVZLVHBQRFV1VnpRU0FleHZhZUNsbnZzMzhIVUlkZDFhdUxYblA4bnlrRERNc0FDSWdwcmFMVGticmI3UWNmLVE0YVhHRVJSdTN4dlN5ZFo1b1BXaU5heUV5Tml6OGpGdmdqNzczQ3Z4NlJGaWhuUVhMeEMxSFE4T2JkajFEbUhyVDVXSDU5QkNjWXhYUQ?oc=5) · Contra Costa News
- 2025-06-23 [Concord police release video of officer shooting armed robbery suspect - San Francisco Chronicle](https://news.google.com/rss/articles/CBMipAFBVV95cUxQSVB1V2xyTDVRLVYxOEFNWXNfdDQ4dndLd2lIN3VsVFFMWDNoNG9TV1RkS09ldjRtc3FCa2pIdzE4VmtCOEVtTWZIOUZORzBNQXJnRU9mY0hQb21ZQVhKMFFGWXlLaG5DdXlsNnY4eEY5ZHFGZTNEc0hsQUl3MDlZam16dzlyVFRLVmZTNTdoLU81ZkI1SE9lQWlUNldxTXBsQ2RqQw?oc=5) · San Francisco Chronicle
- 2021-12-14 [Concord's annual 5K run returned this year, proceeds benefit Blue Star Moms - - Concord Clayton Pioneer](https://news.google.com/rss/articles/CBMipwFBVV95cUxQVVM4R0NlSmtuTkJiblNsUG9pc3dlV0FXTFhabi1mb1ltM25RcWNKOGt6SHktWk9ET2FublpNeU1vX2RlbnN5X2F5MFVOeDFGYUtvSGFXLVdnVUdTVUgxTmkwUW9hSWdja2RGTUJHSkVqWHdiMGFaeXQ5Y0dZYlc2bHZlM3NlY0tnZG04YnB4aFBKdmN2WUROMnltaWx6cEQ1VUtSS2NYNA?oc=5) · Concord Clayton Pioneer
- 2026-05-19 [The Peter Pan Foundation’s Wish Upon A Star Celebrates 20 Years and Takes Its Final Flight - Contra Costa News](https://news.google.com/rss/articles/CBMixAFBVV95cUxPU3F4dXRQSmthQTBRSGVfMTZIclJXOE1mN1p1SlJmS3Y3ZWIyT2NURExoOURhN0RNaENFY0JjV3RZc0dyTURXUm04cWtUYzZwczItVkNzSk9xM05vaHdFT24xdUc2WmRkTTFLY0J6MW1URmtRbGF4SlFnbWI3RVJ3U3JfaGY2NmprODRMY0czNUkyOGxBNzByYzdlUkxjTmZxekl5WW81Rkstb05GTUstU2RfZW1Kc3RuUHNLcUxzR1FqTm90?oc=5) · Contra Costa News
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2025-06-24 [Video released of alleged Bay Area crime spree that ended in police shooting - CBS News](https://news.google.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?oc=5) · CBS News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14409 (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/9.json (key "14409", 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=14409
- 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