# VIDA
Ontario, CA · NCUA charter 14542 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/vida-14542

Who the members are: federal charter, community charter, organized 1961, low-income designated, minority depository institution. 10,151 members of 2,181,654 potential (0.5% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 92.

**Verdict on the desk:** this could be *participation buyer*. 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 | $172.7M |
| Members | 10,151 (0.0% YoY) |
| Full-time staff | 33 |
| Net worth | $23.8M |
| Net worth ratio | 13.8% (p74 of band) |
| ROA (annualized) | 0.52% (p38 of band) |
| Total delinquency | 0.06% (p4 of band) |
| Net charge-offs (annualized) | 0.54% (p70 of band) |
| Loans / shares | 58% (p30 of band) |
| Cash / assets | 30.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.43% (p35 of band) |
| Operating expense / assets | 3.66% (p50 of band) |
| Vehicles % of loans | 35% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 31% (p50 of band) |
| Vehicle delinquency | 0.06% (p10 of band) |
| Vehicle NCO | 0.39% (p43 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 24% |
| Average share balance | $6,966 |
| Participations bought / yr | $12.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $10.4M |
| Loans outstanding per 100 members | 92% |
| Loans granted per 100 members, annualized | 87% |
| Average loan balance | $9,255 |
| Loans granted, annualized | $33.8M |

## Participation posture (from the same filings)

Bought $12.0M and sold $0 in the latest annualized quarter; $10.4M outstanding purchased (43.9% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 0.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## 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 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, delinquency rising |  |
| 2020-09 | 1 |  | delinquency rising |
| 2020-12 | 1 | delinquency rising | net worth falling |
| 2021-03 | 1 | margin squeeze | delinquency rising |
| 2021-06 | 0 |  | margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 0 |  | charge-offs p90 |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-09-09 [SCV News | Nov. 5: Raise a Glass for a Great Cause When Wine Under the Roof Returns to Bella Vida - SCVNews.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOZHVlbUg4MTEwSzMwWjB4MXYyMEdJd0UxWmxKVldUaEVTZkV0alVBNjE3SUxOZlhtdFhkd1ZVOW9ieVEwVmQ0amo0blBpbThkb0VVTURiTHJEZFlHaVlCMTlXZ3huWUxCY21GcG9SUG5KVDN2YnpKV2ZuVzEySXhUdzFhY1ZkY3ltdE1ydzdQaTVaQ3hEMTJwT0NBQVJiLXNmQ0pzZC1WcTY?oc=5) · SCVNews.com
- 2026-09-06 [Codiciado Announces Rescheduled Dates for the ‘Así Es La Vida Tour’ - remezcla.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPQ2VrcmozZENlbnBnUHRJUVB2dWN5YlFkNGhucTFjMnZQZV9WTmJfX0pLNHZSVmFtWkE5c1htQlcxQjNsV2dRWjF6M3pBaHJibnU3a014X2hNZE8td3M1czdZVGN3ajdIRUFhRG9aT2pMNVVickpIRHZ5R0c4OE1TdUVoNV9tdlVZVTlNRk5DUklHclhFdTJxMg?oc=5) · remezcla.com
- 2026-03-18 [Women of the Year hosted by Senator Monique Limón - Vida Newspaper](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9QcXI3dlpxY29hSDdUUzlkdl95aWRuMGJQZEpQWjV0bEk5dVJLTGRsUVc4MWEtRV9HSm1BRzRjaS1EdHdrREQ0NjhmWkg1bEI0b2hwNVBNUGU2UnhKaDFuaGtXZ0NkZw?oc=5) · Vida Newspaper
- 2025-11-01 [Wine Under The Roof Returns to Bella Vida on November 6th - Santa Clarita Magazine](https://news.google.com/rss/articles/CBMioAFBVV95cUxNQW4yMWM3ZkVhVnloUUdiLXRCSjE2UC1rOUtyNEJrN1Q2N1JrT1B1VVA1UmxhZkcwTHFUY042MjZmSlh5dG9scUh4ZXVOSUEtS3RXMWxGdnZiTFlqLXo1ZjJOOVprYTRReXNrT3FMcVVoZHRUQXZwQmJ2N0lfdUphRTM1aXB1djBDVVFtNGkwWmFvYjNydlZ0cDRYWWI1Nm5M?oc=5) · Santa Clarita Magazine
- 2026-03-02 [Peso Pluma Setlist: Essential Info for His 2026 Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMia0FVX3lxTFBNUWtDZ0thNHFlcXVMRW1uRWpGaG1scldDa3RMeTRUQVhJQlFyWXpCZnpmanpjNktBZGt4Uzk1bG9Od3lxWGRiWkppRWFtRmxpZHBMb0pMRnlUTFFGcXZ1SjRrYXF2Uk9pZ2JN?oc=5) · Ticketmaster Blog
- 2026-07-21 [ASÍ ES LA VIDA TOUR: Codiciado to Launch 2026 U.S. Tour - BroadwayWorld](https://news.google.com/rss/articles/CBMiqwFBVV95cUxORzQtTHNQenRSVy0tSjIwYzUyTFRYTjRtMUdxRFpOWE1aX1pRZFNjYnd4ekxmNXNsTkowUWtpOTFPdVJNaHo5VFNnaWY3b2Itd2RMVy16RjU1S2hUWElHeV9tcTZtSmJ6bDlHaktFSGltU0FxTUNqd0JBV19TSDhXQjhPcXZtYmQzdFRaYkUwc0VLazNkUHVTbDJTMU4xUTNzcTVlZU1CWnkwWm8?oc=5) · BroadwayWorld
- 2025-12-12 [Música Mexicana Pioneer Codiciado Announces 11-City U.S. Tour With Stops In Houston,TX; Phoenix,AZ; San Diego,CA; And More - Live Nation Newsroom](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPZjROc3M5bUI5UXNrR3lYVEVpVTJrd3dHZG5SZWxMaWI3Y3B3Mk95bU41anZqVzBRM3BfZFp0WFpyeFBiRkxGVkJhSTR2UEdmSDRxYWZOZmp3MXJlUVJ1czl4UVBMTUtET2sxY2tYcy1aWHJleHY0N1haR2o2RlF3SFhqamFSX0tHZ2Qzemh2SDgyM3oybUxkWENQV0F1aWotSzlmMEpDb01kNDdYZmFJbUdwVmtQTk1RUE13U1FmcnVNVk0xa2oza1liaHdBMFdBbExUMERxbjk5LWcyOElrbUNiczdBcXhX?oc=5) · Live Nation Newsroom
- 2026-05-11 [Ventura County Youth Join Advocacy Efforts at State Capitol During Youth Quest 2026 - Vida Newspaper](https://news.google.com/rss/articles/CBMiigFBVV95cUxNSml0QWd6NUVIQmxuQ1pJR0FEeW9WaGtJVWJVaVJSMnhLcHdZNlNnM3NpTmNfRnJIOEpHVXZmT0xNOWFMeTdjZEE2OVpsMzlaZm5EUGMzYXFUZGx6ZW9jZTZPLUwwUFVTV19SMkw5UjctNDF2bElKMTlTRkJwSXczT25YS3oyVEhMNnc?oc=5) · Vida Newspaper

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14542 (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/14.json (key "14542", 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=14542
- 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