# SAG-AFTRA
Burbank, CA · NCUA charter 15317 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sag-aftra-15317

Who the members are: federal charter, multiple common bond, organized 1962. 21,010 members of 280,000 potential (7.5% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $340.6M |
| Members | 21,010 (-0.9% YoY) |
| Full-time staff | 48 |
| Net worth | $43.2M |
| Net worth ratio | 12.7% (p69 of band) |
| ROA (annualized) | 1.11% (p77 of band) |
| Total delinquency | 0.77% (p65 of band) |
| Net charge-offs (annualized) | 1.07% (p90 of band) |
| Loans / shares | 57% (p15 of band) |
| Cash / assets | 19.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.90% (p74 of band) |
| Operating expense / assets | 2.74% (p17 of band) |
| Vehicles % of loans | 19% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 13% (p29 of band) |
| Vehicle delinquency | 1.28% (p84 of band) |
| Vehicle NCO | 1.27% (p78 of band) |
| Repossessed % of vehicle book | 0.09% (p70 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 76% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 8% |
| Average share balance | $7,946 |
| Participations bought / yr | $8.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $38.4M |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $20,512 |
| Loans granted, annualized | $58.8M |

## Participation posture (from the same filings)

Bought $8.0M and sold $0 in the latest annualized quarter; $38.4M outstanding purchased (89.1% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares -4.0% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, delinquency rising |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 2 | members leaving |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | members leaving |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 4 | margin squeeze, delinquency rising, members leaving |  |
| 2021-03 | 7 | net worth falling, delinquency 2x band, charge-offs p90 |  |
| 2021-06 | 7 |  |  |
| 2021-09 | 4 |  | delinquency rising, members leaving, delinquency 2x band |
| 2021-12 | 3 |  | margin squeeze |
| 2022-03 | 1 |  | net worth falling, charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 | assets shrinking | thin capital |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | delinquency rising, members leaving |  |
| 2025-03 | 1 |  | assets shrinking, delinquency rising |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | members leaving |
| 2026-03 | 0 |  | delinquency rising |

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

- 2026-09-01 [Trump Doubles Down On Federal Film/TV Tax Incentive Amid Hollywood Unions Praise - Deadline](https://news.google.com/rss/articles/CBMiekFVX3lxTFAwTHVUblUwcjUxVjBHNjR6ZFJLVTQ5bUVUaUs2b3RDazY3aXRPUjEwNF9kUzNBYlU5SUQ0MlYySDJCNEY1MXRJa096R0RxUGhlSmFhb0lzdl84STllbkM5dFNmR1YzWkZob2wxZDcxUUN3bFBaYzdVN2JB?oc=5) · Deadline
- 2026-04-28 [SAG-AFTRA Vice President Testifies in Support of California NEWS Act - SAG-AFTRA](https://news.google.com/rss/articles/CBMikAFBVV95cUxNZXVER0tPM1lTa2JJaVN0aFFfQmg4Qm5uSkxFdUFGZ3N1YVhheUg4bXRETy1SNXR2MTRSdko1YzJIQ0Fka3hKcFlGMFhiMmd0UXhoekJlWWJhaEF6Nk1nVzhwVVFEWVpXRU9xN2VacXpVeVlORzhBU2xjSXlfckRsbm0zU1dmWFlXSkJYSmFOOEo?oc=5) · SAG-AFTRA
- 2026-06-05 [Joel McHale returns to host SAG-AFTRA Foundation golf event - LATF USA NEWS](https://news.google.com/rss/articles/CBMioAFBVV95cUxOQUJkN2FYcFE3ZmtoZk9acVRDZkc1Wk53U0EtUnNwa016RkNveFIwdmtBaE9GM2tzeFF0QlFUblZMQ2Z3cU9vYW8zRlVYRHZDOGM4c2tMVzAySVhpVmNTaXFJU2EzaldseW9LdlZUcW9YX0ZOU3pHRUk0eXdNa1NYMVBoZldDQ055bEZmeV9DbDk0N0plZnBYeUxxWWNmaUpB?oc=5) · LATF USA NEWS
- 2025-12-17 [New Year, Smarter Money: Financial Planning Seminar - SAG-AFTRA](https://news.google.com/rss/articles/CBMif0FVX3lxTE1IRUtkYmxnbXc5Mk9kaEV1SmdxTm5DWm9iX0JHNFNEbEdYYlVmSzVzVG0yRWVqR3JWQk15a2VCNFJxek05NXNhMVR5aWxJWDVzUlRsdjI0NFdINlZhTFRYekZEdHZjQzNIZUN0aExNeGhraWIwb1lmQ3ZHSVg3ZmM?oc=5) · SAG-AFTRA
- 2017-06-07 [Hollywood Credit Union Mega-Merger In Works - Deadline](https://news.google.com/rss/articles/CBMiowFBVV95cUxNdnEwaWtwdUJYc3VkNnVfRHdDbEpaNTZTalBfS2JpX05yVmFuQVdWNWpnWi03Ym1sWnVHN2ZpTkZZMXRZcm5CMl9YTEtCRmk1WnFERWF5bGUzd3lvWDZmanJQcFY0TjVHa1FEUi1HV1pFUWgyUEQ2dGp1OUh1RDVnaXJaM05KdzFVaTVrQ1ZOYzdhYjNCc2FZVURMX0dmWktRTlA4?oc=5) · Deadline
- 2025-09-05 [Signing Up for Direct Deposit - SAG-AFTRA](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9GTlFycEg1SDRLcFFYQnMxWjdZazRDcmtWUEhtdmpVRmtyYjBaanBEYUxaX1RoUVVLYmRRS1haWjdLVVVyWTVIaVJYWXppT1RuQ1dyLWtpMEJVeWM?oc=5) · SAG-AFTRA
- 2019-04-28 [San Francisco-NorCal - SAG-AFTRA](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1oRlh0VkpuWWp2X3ZCWTU0QzI4dXI3Qy1rT01Qb2ZVbmF2a25BR1NibEYwVnhzaEtQNXlqSTRsaS1CRXNXUWhYYXpoa0ZGNS1tYXhVNlh5eDdDUmNJbVZ0UkI4WG9Sdw?oc=5) · SAG-AFTRA
- 2026-05-14 [A Message From Your President & Chief Negotiator - SAG-AFTRA](https://news.google.com/rss/articles/CBMidEFVX3lxTFA4YW9ZcjFzV3ZQd0cxZ3N5U2hZS1hQYTlSOU9LeTI0czB4bnFBbVkxX29fWVFNVkkxSGpCeEdQS0JmUlYtTE9HbHBQczBacGJHU012QTlFYWdMUk5jUmJwX0FMYm02WWpoNkNObG9SUnhGVTBM?oc=5) · SAG-AFTRA

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15317 (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 "15317", 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=15317
- 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