# CAL STATE L.A.
LOS ANGELES, CA · NCUA charter 14499 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cal-state-l-a-14499

Who the members are: federal charter, multiple common bond, organized 1961, low-income designated, minority depository institution. 4,870 members of 70,000 potential (7.0% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $79.9M |
| Members | 4,870 (0.7% YoY) |
| Full-time staff | 12 |
| Net worth | $7.2M |
| Net worth ratio | 9.0% (p11 of band) |
| ROA (annualized) | 0.20% (p21 of band) |
| Total delinquency | 0.05% (p6 of band) |
| Net charge-offs (annualized) | 0.24% (p49 of band) |
| Loans / shares | 75% (p77 of band) |
| Cash / assets | 6.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.28% (p30 of band) |
| Operating expense / assets | 3.56% (p50 of band) |
| Vehicles % of loans | 13% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 76% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 22% |
| Average share balance | $7,788 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $23,676 |
| Loans granted, annualized | $5.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

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

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

- 2026-03-28 [Schedule - FloBaseball](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5MaFVVWVBXOXJNbHZaT0s2NEJsaVlMOVVpN3RrNXozdU5NcVItcWF3RzZDY0R4YU1WaTVtQy1ycUZsUW9GRHptRldwb0dob3B0WkV1MkRub2JJb1BnWHc?oc=5) · FloBaseball
- 2025-11-14 [UPDATE: CSU weighs naming buildings after donors, sponsors in deals totaling $55M - EdSource](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOYmJ1a2NKeVc0bjRwTExqNkNzdHZ4ZHVuYWExSzdoUzBLLU9wOWdGVmQycENSdDJnQkVManlOUklKU1h3MWJQZnBhYkpmX0JSSlo4Zm1GaHNlS19oMDJzNk5BTGFnaHZYeFV4Z3Q4UDF4SGNXOVU4ODBvNzZXOHZkNXJTaWpyU2xSMkVrRWczSmNpcV9iZDRmMzY4WEM2QmQ1R3JaODBZRmY?oc=5) · EdSource
- 2026-04-21 [This Week in CSUB Athletics: Apr. 21-27 - California State University at Bakersfield Athletics - gorunners.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNeFdQcnJoWndTa2UzQWFlWVpZNFVGMldnaklqVWlmcDJyVTAzV2dkX2RBNm9xMjhlUFZDblBMYWlOUjRYM21qWHRxRjN4c2Rqbmg5c2d4czRVdXF1aDlZX3NUUzNpNmdkMVFzSXJ2aFR4UllDdW1aYWN0V0plbXV5eDNEMDMxR3NZeEl2WlBxaDRrZw?oc=5) · gorunners.com
- 2025-09-10 [Cal State LA housing audit published over summer points to budget woes and mismanagement - csulauniversitytimes.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxQb3BQVzBhYjFoeTVJS3l6dGVQQWhPd2hXNW53TlRQVWVEcUROZmZ6Q2RRNlEzZGJwTWNTM05STkFNVDlQZTNTTExyMzZfS3N4aGRlTnJQcnRTTlY4WWZEUy15eW82dllFd0RNSUZXXzgta3BySVlkb1cwOUMxbUdSTGN2UkJxU0Zxb293bmJBWjlYZmlxODVTcDFxTEhCZVBlTUQyNjYzcGd4UkZQdEpxM05jZDBKXzFfRV9uZ3FfRQ?oc=5) · csulauniversitytimes.com
- 2024-11-06 [Three Double-Doubles Lift Long Beach State Over Cal State LA In Exhibition Victory - Long Beach State University Athletics](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPRlpDQWlQQ3VQWERSRlJLRFdmYlcwaEJYU3Y3REpGbFBuMFZHWWJtVjRVYlA4bGFzSU40eFE1Z1pzVnpCV3hWX1l5bHFGMVpXRlE4bjJsTjg2aVAtUzRiT0tWcWloelU3cmdIUHd3Zk1EdWRmdG9wVU85b3QtSTJjOGNtdEV2eWlqZDBINXIteG93bVVHc19wRURNekpaTkg5eFlUaUoyMEotSGdvb2RDNjdaMGpqQkw1a1RmZG01Zm54V004VTRUZVM2WWpSd2hYRml4WF91aWhOZw?oc=5) · Long Beach State University Athletics
- 2025-07-12 [Cal State LA to Teach Online Classes Due to ICE Raid Fears - LAmag](https://news.google.com/rss/articles/CBMikAFBVV95cUxOX2ZmR0paYXZwVkdlWGdUYVVyQ3F4WU40Y1dQY2JycmFXT2JBRTJSNF93NWdRZldpUEdmREtHVURRbHhQdmxmM0dpb3RwVkNyMDg1WE1fMVZValhyZ3oxa3ZoSDRiQWtrcjdhbFpwaGxfMjlFSEh0aGRFNThvS18yMkhrS3ZQVWY1YTNLemRLdWg?oc=5) · LAmag
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbG82S28tWDRWcmVTSGtHM1A2ZDRvTjlrTUJGLUxudnBZSlZwNG5uSk12eFQ1M09ULTYtTFVaU3FJeFlEam53MHZqSDV5ZDRTUk9zRUJEVHBBbzVpRUxnV2s0VXFkc0lzZUxXS1A0YWZHaVMyNXE3Wm5RdG1qX2dBclE0cE5TaDZibmpuVkpiM3diUQ?oc=5) · Newsweek Rankings
- 2019-11-24 [Sophie Rowe - 2013 - Women's Volleyball - ucsdtritons.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE1OQ21JUWRhOG5OTmhkZm45UEltRmE4THh5WGhvVW9XYTh1Ym9GTTFTb0VXeVQxQnRoYXZQaDVWWUR5UnlSOUxSaVpFZF9wZEtfR21jN1FLS19sR0NWTEVNdVFPd1NhaU9xeElYUDYwWE16TGJCOV80eE9iWkM?oc=5) · ucsdtritons.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14499 (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/35.json (key "14499", 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=14499
- 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