# EDWARDS
Edwards, CA · NCUA charter 14830 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/edwards-14830

Who the members are: federal charter, community charter, organized 1962, low-income designated. 16,661 members of 482,000 potential (3.5% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $278.9M |
| Members | 16,661 (31.6% YoY) |
| Full-time staff | 41 |
| Net worth | $24.4M |
| Net worth ratio | 8.8% (p11 of band) |
| ROA (annualized) | -0.16% (p4 of band) |
| Total delinquency | 0.87% (p72 of band) |
| Net charge-offs (annualized) | 0.35% (p47 of band) |
| Loans / shares | 61% (p22 of band) |
| Cash / assets | 7.7% |
| Borrowings / assets | 1.79% |
| Net interest margin | 3.60% (p53 of band) |
| Operating expense / assets | 4.47% (p81 of band) |
| Vehicles % of loans | 19% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 61% (p44 of band) |
| Vehicle delinquency | 0.91% (p73 of band) |
| Vehicle NCO | 0.63% (p51 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 74% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 15% |
| Average share balance | $10,296 |
| Participations bought / yr | $15.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $69.8M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $19,351 |
| Loans granted, annualized | $44.9M |

## Participation posture (from the same filings)

Bought $15.4M and sold $0 in the latest annualized quarter; $69.8M outstanding purchased (285.9% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 3.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 1 |  | losing money |
| 2017-06 | 2 | members leaving |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | net worth falling |  |
| 2018-09 | 1 |  | members leaving, net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | members leaving |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 5 | net worth falling, losing money, delinquency rising |  |
| 2020-09 | 5 | margin squeeze | delinquency rising |
| 2020-12 | 7 | capital below 7% |  |
| 2021-03 | 6 |  | members leaving |
| 2021-06 | 5 |  | margin squeeze |
| 2021-09 | 5 |  |  |
| 2021-12 | 6 | delinquency rising |  |
| 2022-03 | 3 |  | net worth falling, losing money, delinquency rising |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | delinquency rising |  |
| 2022-12 | 1 |  | capital below 7%, delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 | 3rd-party paper>100% NW | delinquency rising |
| 2023-12 | 1 |  | 3rd-party paper>100% NW |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 3 | assets shrinking, members leaving | thin capital |
| 2024-09 | 2 |  | members leaving |
| 2024-12 | 2 |  |  |
| 2025-03 | 0 |  | delinquency rising, assets shrinking |
| 2025-06 | 1 | losing money |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | thin capital, net worth falling |  |
| 2026-03 | 4 | delinquency rising |  |

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

- 2026-06-18 [How Fifth Third, Star One are fighting elder fraud - Banking Dive](https://news.google.com/rss/articles/CBMimAFBVV95cUxNM2tNUnJmb3ZPX2lXSUFtRmRlbS05SVhMaVBCcGhCSjRLazI4U3dWRml2b1dBekNLcnRKRnU4NW5ZQWstYVh3SU1oTVVnY2ZPdGVESHZ2QjRKYlJhcXdISFNXUE84ZWJQcmFnRnZRcWNMbkV4QlBBNXlibzBXelkzenFLWmpoQy1VejVkOEhvNU5HN0RNSEhzZg?oc=5) · Banking Dive
- 2026-09-01 [Patricia Ann Campbell Obituary (2026) - University Place, WA - Edwards Memorial Funeral Homes - University Place - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOUzBjOTlmNGgtdTlEM3lydi1jS1daNlJBencwand2N3ZzLTNWYktkb19MTDYtUktXRllEZmlRN1VfdXo0dVBuOG5CZ2hDaEZGNUV6SkFnZ3hzcEswS01kNTJLX2JRcWNYUXlIT21pSF9UNDVTVlFhSWN5ZHhiQXQ3dWFmTkl0Y1U?oc=5) · legacy.com
- 2025-12-09 [Two Texas men allegedly steal $138K from ATM in Metro Detroit, use money to shop at mall, feds say - CBS News](https://news.google.com/rss/articles/CBMilAFBVV95cUxNTVdSdEF1aVBkQVNBX3JsNmhSZjJJVnJXdlFjNFJEczhsU3dsRjhiUlhaOXZVUlR1aldablBCQkhUMzdjelpuT1dzbXVUZ2o2QWU4YXI1aXpiU3BpSnhVRnA5OEZmMEpzd1E0MnRocE5lT3p3VkdlTW9WTy16QnpTN1FDMWVENHRZMWxjSEhRazNKMW9i0gGaAUFVX3lxTE1PTGp2Wnl2RXhFZUlid3RpcEJvcnlvTUVmVnpkNnVEaUNRcG9rcGZBZ0dPbVJuWmdmS2pyMnVFcE1fNTE0cWNJemJONVNmRGRFMl9tdWNNbHpFbzBEUWtxMEZnZDh3SkhRZGtjNlJTMWpnTl93RlFaU0cwM2pxV2xGdkxsVThsSlYtZWhHeVZQZkdILTNYR1JTMWc?oc=5) · CBS News
- 2021-04-08 [Edwards FCU opens flagship branch - avpress.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxOaEVwU1FvdjF2aHBRS3p4QzA2MV94cFhlaFp3WGN3WjZPQ2ZXSGYwcXZZcDk3a3RWTS1YUXhLNE5MbUlOVzdCdGRCMnhBeW9ZQ181V3ZOel9lbGs3U2h1UFJ0Q1N5Ujdsai1hYXZwdHZJa1pIVmNfX2ZxSk05NkVycmtkRmVxQVhXUExrWmhkamlvVERIc0ZqRHhtU2kyLTlKM2ItRTFzcHVpSXBXNk5Od3N3?oc=5) · avpress.com
- 2025-03-20 [SchoolsFirst Federal Credit Union gift expands support for future educators at The Beach - California State University, Long Beach](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOaTJJQjl2QVFSb0daRFJUNVVLVjBLLWEzaVZwRWE1MWN1NVdaT3hWNG9kMUJDaHZzS1A3bEYxVVdFbkxfb3FSdEhvaVgwZVhZR2VCOTI3bjZtZHQtRlN6elhzalV1a01GVzZyX0pZZkp0MnZjY0QzT3RtclpPczh5STBoTldyeHhtX0o2VkVsVEpMQnZ5Z2VlVnYzUFZtcF9aSWhIMlVlYlZVMG9IVDg3dG5fNkpqYlZ3?oc=5) · California State University, Long Beach
- 2020-09-02 [Edwards commissary and base exchange parking lots to undergo repairs - edwards.af.mil](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQWU5kS3BLYnhwcFA1T1QwSnc0Z3BMSDl2bmFRX29nQTQ1Rk1tUXFzQ1pxenpzaHMybmdDajZZb3RiT3V3d0QxMzRpQUY1S0tDak43d0dWMkNsVDdIN3oxeXcxdGpxREhWZUtkREZEcWRZVVVnc2Y5a1FrampDck4xenloc3RtYTRXWTI5Q09qbkQ5R1lDbHFpN3NlVmQ5ZU9MeFVMZ0kyZ3dGd192dk5ZNkRoM3FZUlZo?oc=5) · edwards.af.mil
- 2026-03-30 [Red Dirt Torchbearers Turnpike Troubadours Extend Their "Wild America Tour" Through the Fall - That Eric Alper](https://news.google.com/rss/articles/CBMizAFBVV95cUxNY1BWNWN2TkZ2cGFlTXo2bV9zYk1uZGxvU21ZYjRwel8tVVpNWWdLdWQxdFVlektzc0YyaTk0azBnT0VUTC1Tc0pzUFhZWXFLZHpyRmZwM1V3NG1UeW52YldnSnVqLVdPUkJMMjg1LVNzVGhQdERlSEhSQ3F6NHFwT195Rm1KdlhESExoZVBxaDQ1dk12TzJmdy0xZnhaX1IxbWJrUlhzc1h5TVN3M0JqUzBHalBWTlVxUzRhTEtsb2I0RVFVSDdqMy1wSkY?oc=5) · That Eric Alper
- 2026-07-30 [Earl Edwards Jr. - 2014 Men's Soccer Roster - UCLA Bruins](https://news.google.com/rss/articles/CBMie0FVX3lxTE9CSWtpbzhFRkpjaDNCNnVjNVBOWGd4eFo0OHFBUGVqcG9VOUFJOUZTRXlBVl95YlR2emNySzRkdWZXY19lZkMwekdqM0gySzlTY1FnTjc1UFJmZUstSlRBbkRJWHoyLVI3dzlDMkNyeHJxSnhkWHBvbmJ6RQ?oc=5) · UCLA Bruins

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14830 (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/46.json (key "14830", 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=14830
- 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