# CHABOT
DUBLIN, CA · NCUA charter 15335 · asset band $50-100M · latest filing 2021-09 · stopped filing after 2021-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/chabot-15335

Who the members are: federal charter, multiple common bond, organized 1962. 1,625 members of 25,705 potential (6.3% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *too clean*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $73.4M |
| Members | 1,625 (-3.7% YoY) |
| Full-time staff | 5 |
| Net worth | $10.8M |
| Net worth ratio | 14.8% (p86 of band) |
| ROA (annualized) | -0.10% (p5 of band) |
| Total delinquency | 0.00% (p2 of band) |
| Net charge-offs (annualized) | 0.00% (p17 of band) |
| Loans / shares | 37% (p17 of band) |
| Cash / assets | 12.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.65% (p8 of band) |
| Operating expense / assets | 1.86% (p10 of band) |
| Vehicles % of loans | 8% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p30 of band) |
| Vehicle delinquency | 0.00% (p8 of band) |
| Vehicle NCO | 0.00% (p10 of band) |
| Repossessed % of vehicle book | 0.00% (p41 of band) |
| Real estate % of loans | 89% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 12% |
| Average share balance | $19,316 |
| Participations bought / yr | $3.2M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $62,137 |
| Loans granted, annualized | $7.8M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | delinquency rising, members leaving, loan book shrinking |  |
| 2017-06 | 2 |  | delinquency rising |
| 2017-09 | 2 | net worth falling | loan book shrinking |
| 2017-12 | 0 |  | members leaving, net worth falling |
| 2018-03 | 1 | members leaving |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 2 | assets shrinking | delinquency rising |
| 2018-12 | 1 |  | assets shrinking |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | assets shrinking |  |
| 2020-03 | 1 |  | members leaving |
| 2020-06 | 0 |  | assets shrinking |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | losing money, margin squeeze |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 | members leaving | net worth falling, margin squeeze |

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

- 2026-07-25 [Archie Chabot Obituary Jul 25, 2026 - Crossings Funeral Care](https://news.google.com/rss/articles/CBMibEFVX3lxTE1aaXlTeUNJLXVCR2NzczZ0MFlvVHg4cEdUcEpnMlFmb1FTVkdBb3pVLVpfSlg5cnRPYkJqM1BEOFNtWlVDc2NZT21rRENEaEI5N3R3ZmtiUElzclZkMm9URnNkR1lvTmdMdjlKdw?oc=5) · Crossings Funeral Care
- 2021-10-19 [University Credit Union & Chabot Federal Credit Union Announce Official Merger - PR Newswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxNdkQzVVFqcHBhT0Jsb0N1a2xfOU9FVWpLQ0JNeXVWbXVFRTBobHA0VWVDeFVJTjhJT2N1SU1pOHU4QndPT2RNcS1XZUN4NTVxbXBUSjZIRlVScC1zZDhEbUFGS2NUMld0a0NLaEV6OHRXMUpRSnhvZkVPVGpiaDJ1Y3F4cm5nOHpQZ0o1eExBaE0xdDFNUmxldDJyYVpxY3RmWEQ0VUhQbEliQkVtNWplbWFNNUlLcnFyS2NnQlFYRjBRblB6T0hyR25RRjN6QQ?oc=5) · PR Newswire
- 2017-10-27 [GrooveCar brings on 25 new credit union partners in Q3 - Auto Remarketing](https://news.google.com/rss/articles/CBMilAFBVV95cUxPc1hHdERaTnQzbDZKbEVObEJXb3BzTXZIQXdxajFVQXJSeVBtTmFjc2RNV2NzR0E5eVZkQklJZ3RQYTBvRGFaLVpXR0k0M19SSkR1MEtYdEx0SGVIN2tMeXZnZzhfMXdtLW5fTGxOeUNLYjZUdzNNYlJLTUU5QUk4WmxQbVZpUnNIQ0R1eFJXMHB3SFFi?oc=5) · Auto Remarketing
- 2024-07-01 [Ex-Berkley treasurer cleared of criminal wrongdoing in bank account closure. What we know - Taunton Daily Gazette](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOSWhkU3VZakRKeGZUc1VRS3A2QVhCQzNLZ0RXcTdXWkZ2bkVOOGlGcnJYNktybjEyRlhHSHJVNXhkbGQteXN0Wk9ERWY5SnQ0M0VVeVpObUp2QkdPUnJGUUhZU3FQQ3dqWDJTcXJoMGVUekFuYml3YUVkdUNJWWVyYmRHeFItWV9xeGZqaXRZcjQzbDhuMVQ5djctMm5aMTB0TTJfaXZQbDFFcmtEbUx1aU1lU0YtV0djSjNjNHFXcUtKbzFsTm1vMlFMU3RNdjV6VWhXMmg5dGxZby1hZlE?oc=5) · Taunton Daily Gazette
- 2014-03-29 [Fitchburg credit union donates $1K for benefit race - Worcester Telegram](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPa3U2UFJWN3JMQlZQZE5lckZ3RndXRkh3a3B6U0lIVWpBWTZUS3g4QnZLdkZobTh6YzRBZy1QWHN4WnV2cWxwTENEWk1BTlRrTzBzakVsTEF5RWlBRnJ0ZVVnVmU2UHdfSFBOZHcyOXpOLUJtTzVPLW1SU25aaFdMNDdyVzB3VUpuYlRVcWVxd0FubFJCb01XMFNDbFFTUW5kaUpJR1VVS1M?oc=5) · Worcester Telegram
- 2020-09-16 [Joseph Viveiros Obituary - Fremont, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPd2pRSE9IUlVhZ29SRnlDbGRMQnFUTnB4RUpnNnROTXNudkYyQkhLUjBFUFkyM1dyUVRmb0JvWlR1RklTU1JuSkR3am9wcWk2Sl8tcW95VFFJUkNJYVNnbjQ1clY3dU9WZkdGQ3pMWkY5aWpLN19kN3JRNFN1TGc3R0g3VQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15335 (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/39.json (key "15335", 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=15335
- 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