# F & A
MONTEREY PARK, CA · NCUA charter 1493 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/f-and-a-1493

Who the members are: federal charter, multiple common bond, organized 1936. 44,883 members of 60,000 potential (74.8% of the field); checking penetration 90% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.06B |
| Members | 44,883 (1.6% YoY) |
| Full-time staff | 103 |
| Net worth | $370.6M |
| Net worth ratio | 12.1% (p72 of band) |
| ROA (annualized) | 0.71% (p50 of band) |
| Total delinquency | 0.21% (p8 of band) |
| Net charge-offs (annualized) | 0.08% (p4 of band) |
| Loans / shares | 60% (p8 of band) |
| Cash / assets | 4.2% |
| Borrowings / assets | 21.76% |
| Net interest margin | 1.58% (p2 of band) |
| Operating expense / assets | 0.86% (p1 of band) |
| Vehicles % of loans | 9% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 7% (p13 of band) |
| Vehicle delinquency | 0.10% (p4 of band) |
| Vehicle NCO | 0.83% (p40 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 86% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 29% |
| Certificates % of member funds | 36% |
| Average share balance | $16,939 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $290.4M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $45,156 |
| Loans granted, annualized | $227.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $290.4M outstanding purchased (78.4% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 7.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 | net worth falling | delinquency rising |
| 2020-06 | 2 | delinquency rising |  |
| 2020-09 | 1 |  | delinquency rising |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 0 |  | net worth falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | assets shrinking, leaning on borrowings |  |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | net worth falling | delinquency rising |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | members leaving | net worth falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | net worth falling |  |
| 2025-09 | 4 | delinquency rising |  |
| 2025-12 | 2 |  | members leaving, delinquency rising |
| 2026-03 | 3 | delinquency rising |  |

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

- 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
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2024-06-03 [Ronald Langford Obituary - CA - Press Telegram](https://news.google.com/rss/articles/CBMidkFVX3lxTE9rR0kzSVF0REdoWGZKVERlVnhyY1M3eWFlM3dfT2N0UFFEQTIyUjA3STJQMFRZOW9xWmtKWHkycWhQVi1PUnNVRThJVVpTUnBLYjRVRGUySWw5VTRRSnBvbGFBX3dXRUJoTUtGdjRBbkpRaU1UeGc?oc=5) · Press Telegram

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1493 (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/21.json (key "1493", 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=1493
- 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