# CAL POLY
POMONA, CA · NCUA charter 14739 · asset band <$50M · latest filing 2021-06 · stopped filing after 2021-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/cal-poly-14739

Who the members are: federal charter, service (single sponsor), organized 1961, low-income designated. 2,556 members of 4,000 potential (63.9% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *too clean*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $19.3M |
| Members | 2,556 (-6.6% YoY) |
| Full-time staff | 4 |
| Net worth | $740,053 |
| Net worth ratio | 3.8% (p1 of band) |
| ROA (annualized) | -2.06% (p3 of band) |
| Total delinquency | 0.05% (p26 of band) |
| Net charge-offs (annualized) | 0.03% (p53 of band) |
| Loans / shares | 30% (p20 of band) |
| Cash / assets | 61.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.65% (p16 of band) |
| Operating expense / assets | 4.34% (p85 of band) |
| Vehicles % of loans | 66% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 0.00% (p19 of band) |
| Vehicle NCO | 0.00% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 17% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 96% |
| Certificates % of member funds | 1% |
| Average share balance | $3,927 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $4,727 |
| Loans granted, annualized | $1.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 5 | net worth falling |  |
| 2017-09 | 3 |  | delinquency rising, net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | delinquency rising |  |
| 2018-09 | 5 | auto monoline |  |
| 2018-12 | 4 |  | delinquency rising |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 5 | delinquency rising |  |
| 2020-06 | 7 | net worth falling, margin squeeze |  |
| 2020-09 | 7 | loan book shrinking | delinquency rising |
| 2020-12 | 10 | losing money, delinquency rising, members leaving |  |
| 2021-03 | 10 | expense trap | delinquency rising |
| 2021-06 | 9 |  | expense trap |

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

- 2026-08-24 [CoastHills Credit Union backs higher education with $20,000 in scholarships to Cuesta College and Allan Hancock College Students - CUInsight](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQMnQ1QkFUbFVsalJVdkhvVGpfSjJ2dFpDVE1xMTRIXzJDZU8yR2JzYjZnajF4NFZ4R2NUSndENVB0VGotb09OOHI4VlBwNm9vZmUwYlgwZlFzNEVwcHhkc1NSTnIwYnBnVHpOSFBham1PTzVfMVBJVG5jTlFKd1dFR1ZmQ2g2bUpBeFFOU25ydGxTYkFfbGZ2R1VEaGpFU1NHT09DRWJ4MzQ1bDhQaDlfdlhGZWZRbXJ3b1hDZURhUFpFaWczdk9xaFVLVFJwbzN6QmpMX2dIQ25KZHc5b2tPT1dmTTVtT3dlaUF2MU5ZX3F6S3o3OFJtRDdIOA?oc=5) · CUInsight
- 2026-03-07 [2026 Credit Union 1 Big West Men's Basketball Championship Bracket Locked In - The Big West](https://news.google.com/rss/articles/CBMitAFBVV95cUxPcXF2UWZrQ1Y5NmR4Wk0xRDRXcUtjSWdlR1g2clY4QVctM2tOU2xiU01mX21zRzBKb3dDU0tvYkx0a21FRVhZODcyOGV1OUhreVplcmFxbjhxX2pGSmkxbW5HclIxZ0pLWDFKMGg2ZjdpS0RERG9jb2ltRVZrV2dRekhGQU9Hbm5fSGlwczhBWFF2a3VjdGZ3eEUxWDdyRWNwOWRENWZfVzZsNHplU1ppazA2ZFQ?oc=5) · The Big West
- 2026-01-08 [Short-Handed Matadors Rally Past Cal Poly, 95-90 - CSUN Athletics](https://news.google.com/rss/articles/CBMinwFBVV95cUxQTl9KSzRQdk4zeHlHQ29WdzR6Q2kwN3BDVDJhTy02QTFlQWVxMURZa1gweEtpZVRra0k5SlZsU2xoT1VHRmI0aUJJUWhCQWxNanRoeG1LaUx0UDhHbkxwWG9jaVZBb2ZlZlZLM0xldlphYl9oTks3bEtIX2RLX3RfdUNqVjNETlB3ZHp6elBzNzZOcXctWWV5UVk1dDdxeVk?oc=5) · CSUN Athletics
- 2025-12-08 [2025 Top Stories: New Manufacturing Research Center, President Retires and Horse Center Turns 100 - cpp.edu](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPV3RiX1Z0eVlLYTloSlR6RHBwYjM2MGZzc3pEX2VHZGhhT19KS0IyYzF3QW1aWGp4OXpyb05SUEtWVDhkMzJVUHBjMVhhWWFzV1JqNEx4MlJXT2Ixd3dNNnNpZF9qWXpXYlVHazJTZzRVUXV6MjlTSmNCSVJKOW1QYkE0c2VfZHlFY1ZLc2pNcVh5UkcyWktWWGlPTlVzVHVoUjBXUHNzVWUtbDJZbTFkd0o5b0pLeXdLZzMzak1EVDZxdzN6X2R2ZVljY1BRbU1xOEQ4OHRxM1dvMWRmb0FxVTlR?oc=5) · cpp.edu
- 2025-12-03 [Cal Poly Pomona hosts Jumpstart Your College Journey: Your Guide to Financial Aid and Student Success - cpp.edu](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPaEVXV0JfZVZkekFsNXhqN2YwWmVhZ2FjYW5kaWdocHYyNEtNN29XUVJPMHoyT3hyZVVwQ1VQMlM1SjNSdnM5VElFT2IwVUktaXgyNXVvZVlLX2E3SGFHMkdCU0FTQ21YcFlOQXZyd29jQk5PcUs3ak9WekpCSnY5ekVDRTBHUURCS0lsR2pDZ2ZfYndnTEJGOGxhTEFiWWFNYW5pY2wyWXZaNTJQZTYwZ1ItRG9XZVFhTVIzb25iTzF3UFpRekY3UUxtcjlOYUVqRlFUUGMxUk14TllaSFpGRS1ZUQ?oc=5) · cpp.edu
- 2026-01-21 [Compass Community Credit Union celebrates 75th anniversary - CUInsight](https://news.google.com/rss/articles/CBMioAFBVV95cUxNN0hUanRHSklVVEJoWFNhTVZ1OTFzY3pkN2R0QndVRC1CTzJfaHlCMjcwcHRBdDNtb3hzLThYYi1EUTZITE1pZlVXLWUtM29xcDA4Rm1tVThHX0VEaG1jQTBkRU4tLURSYk1fLVVmV3NqSjJnSmlzY2dCR0Izajd0b1NQS24zVGNfSmJQdVQxb2ZzaGswOXFsVjdxQ2EwQ2ow?oc=5) · CUInsight
- 2026-05-12 [Coast Central Credit Union Awards $115,000 in Scholarships to 23 Students - Redheaded Blackbelt](https://news.google.com/rss/articles/CBMipgFBVV95cUxPVFItcS1Hd3RzNHdyTVFfWEVocm8yUkxOdEtuT1p0TkpRa0QwVlZwWU9HN1M3bExWSXZJeG1vWm1BUVR0UWZNUjg4U19oRmU2TzlEckVQLU1RNU1BQ0tvT1ZfUlI5c0tfMXVFcnZIcmxCQ09IV0E4SG1MM2dWZjVVZWxod2QwTzNBRklUVURkQWlVX0FnOHVfWkNlUEMydWdkY1Mwakh3?oc=5) · Redheaded Blackbelt
- 2024-11-07 [SchoolsFirst Federal Credit Union Opens New Branch Location on Cal Poly Pomona Campus - PR Newswire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOSG1lWVhKa0p1R24xUi1JZ1BSMWtibWNCU1pWRmx5cHdQcHlubEh1TmpXLWxEci1oZzBxYzA1Ry11blFtRXFpNzZiSXdMYWF0dm8yYzlfbWtQbzdFUnZjRzNwUzRWSGhnLVpEYldjcEh6ZDVfb1pNNDhDM2ZENTBXalBvMjNMMTdldnQySUNEckVFdWxmWDhuVzhSM3pSWkxQNzNPY3hjZmlQNWZvRVFmV0R3WFRPdmtvbG9yMG5RY0hqdVgxZVZESElfbnAyVHpERVJUUzMtN1g?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14739 (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/19.json (key "14739", 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=14739
- 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