# MARIN COUNTY
SAN RAFAEL, CA · NCUA charter 15659 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/marin-county-15659

Who the members are: federal charter, community charter, organized 1963. 4,123 members of 262,000 potential (1.6% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 30.

**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 | $102.2M |
| Members | 4,123 (-0.6% YoY) |
| Full-time staff | 6 |
| Net worth | $12.3M |
| Net worth ratio | 12.0% (p54 of band) |
| ROA (annualized) | 0.72% (p52 of band) |
| Total delinquency | 0.92% (p70 of band) |
| Net charge-offs (annualized) | -0.06% (p2 of band) |
| Loans / shares | 29% (p3 of band) |
| Cash / assets | 17.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.48% (p4 of band) |
| Operating expense / assets | 1.83% (p4 of band) |
| Vehicles % of loans | 21% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.10% (p76 of band) |
| Vehicle NCO | 0.99% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 30% |
| Average share balance | $10,468 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $21,228 |
| Loans granted, annualized | $5.1M |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-05-28 [Travis Credit Union opens 24th branch, with focus on in-person relationships - The Press Democrat](https://news.google.com/rss/articles/CBMioAFBVV95cUxOdFJab1U1T1ZMN0JvVHNXdHYtYlhyUjhGNmJGVGJMUWp2WjlDS2ZEQ3ZIWnJKcXA0YUdDRmhWdFByRFlLeGp4ak81enVaQ0ZUd2pvTE55MWJjTVMzN0VQeEhyZWRfblVLbzR4NmVjbjVsdWpvaTJ3Sm92NzZub2tXUkMzckV1bkhtNDNGTUhIT0FGVVpCa2tkUk93aHlPVTNW?oc=5) · The Press Democrat
- 2026-07-01 [Fireworks Near Me: July 4th Events Around San Rafael For 2026 - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxPMVIwUlhobmhlMzdIZ2wxZHpQTS1uRUZHejl1QUx4cXo3SkZVdHJMN0tuU3k2MlRTMkw0TUVfN2xFYk9pV2gxOWNkM1NTakczdGI0OHA3dF9RRWtnaHpVNWFXU191Y1FkaF9hWHRpMXZlVXVPTUUzeEhiaVkxWmN0U194N2tNSFJoMGY3SjNCYlRlLVI1bktvMW1uSQ?oc=5) · Patch
- 2025-02-19 [Redwood Credit Union, 75 years and growing - NorthBay biz](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNa1ZGcTBJeUxmN2VWUHF6TUlWaUZMLWMzYXpmTWJIeTNlTEQ2WkZMcy1GbGJZWVNhSDZURnBpWWs4N3ZBMGVBZm5sQzRoOHlYMV9yTGR5RHBRNkNTUE5fMWZvQW52VmxVbHV5VEV1eGt6bl85Ql9kX1FGSk9weTVoYmYycUdMQ3ZO0gGOAUFVX3lxTE9NOWVrX0xtUmpIdmhTdlBKZ0JCbThFNVVFc094Ujd1RmVrdU9QbGlPa1BKOEdLR0pkSFB3NDFrRFNQRU1zYWY2Y0tSYUt6cV9yS192YnNyWEMxaS1qYTdfQncwRUZzQ2pqV2ZFbjZKMDhjc0tJQ1N4S1k2ODlIR2dqNzNDNVhUOENtNmdYb1E?oc=5) · NorthBay biz
- 2017-06-22 [Redwood Credit Union names assistant VP - Marin Independent Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxPRmdnYlQtanl2TnRrMmRUQlg4N2pnUXZFcnU1VlJqSVp2WHF4b29TOFZLcTBNM3VMcmpVLWtmVDc0R2IzQUktbzVxNmEtUUlreVZ4Tk5jc2xmSWxIOWFrLVBTV1hDSDJTbWZRQ1VLOUNpaGhHSXc2WmhDbVJJRlBBT216UWNLLTZ2WVHSAYYBQVVfeXFMUDVoWW9TY3dRYXl2RFFPUmFMbS1PS09VLTVPVGtkYVNkcVBTeXlnejg3aF9mVkJDWk9XSllFT3FJdVBlNmM2MU9xUzZzREZpeUFrTDZoOFowcTBXaFJtbUJqYXF5VWtZNWEtcnRuc3MtRHdqeHRLWko4ME8tZ1BibUNzX05KM3c?oc=5) · Marin Independent Journal
- 2022-01-08 [COVID staff shortages force some Bay Area banks, credit unions to temporarily close branches - The Mercury News](https://news.google.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?oc=5) · The Mercury News
- 2026-01-27 [13 Families Celebrate the New Year in New Homes Thanks to RCU Community Fund’s Down Payment Assistance Program - Business Wire](https://news.google.com/rss/articles/CBMi-gFBVV95cUxOWFZ6a01jMW1TVTVnY2VlbWlhWDE2cjY1akY4MXFSb19hRERONFdNWjlKdnZhWXNqa085ZnJXTmVQRndwNkxyQWZDcmJHQ0FYZ3RPRVdCR1lkR3l2Y2tBczlRaUV1Y19idHRVZ1dEYWtUbS1vU21XMnJpWEFBb3J1X1FVU0lDcVRFOFJJbUR4UnJ2SzhWTEhRMjZVZU9MeVZlYzJpRGxackZOaTY4ZTFxWGhNZTdpbS1MdEJDb0xWNXdxTEc3emJ0MWhlS2YtMXpzcWN4ZUdOdXNjdU9ORUhMcXpsVFdtby0zaGdFNjlTZmxqTlBEbUZ1U1Nn?oc=5) · Business Wire
- 2026-07-04 [Marin 4th of July Parades, Fireworks & More - marinmommies.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE1EQVJfdDFub0h5OGljQWFQbnd1RGc0UnNadHl5b01pR0lJWFR6cm5CWGprUndDQk5rR1pvalRJZFNGaU5XbGZfVEJhTWxOQ2xxVVJVeVlWRUZKcG92bDZkSS1iSzdMYUpfNUV2NHBpODBnUlFvVnpQQnJn?oc=5) · marinmommies.com
- 2015-09-15 [Supreme Court of California Authorizes Suit by Insurer Against Cumis Counsel - Hinshaw & Culbertson LLP](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQWDYxRGloanJxWkVYOHhJdUluRXluVDFiNTA1UUVTVHEwRDQ0Ni1IbXNGX0hjNDlJMmtwYWwwbE1EVko0X2xRV3hjeVk5M2hfT2dOaEJYSGNCUkhjYWs5RTh5MjlKczRGcHFGV2R6QUhESnJmQ0o2ZFRHT1hUSnNtbk5QaUQtWTg2bVZSaVhXa01HZTdvU0J1QlJzd3VvTWtGcWtLMk5rSXdfVm9XUnhQWmo4SFY3Y3ZOaFo0Um0zOWNadkZSSnY2NWFHcHRZVUtrWFd0aDVGQWJFNFNkRmlTTTlB?oc=5) · Hinshaw & Culbertson LLP

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15659 (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/43.json (key "15659", 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=15659
- 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