# POMONA POSTAL
POMONA, CA · NCUA charter 16196 · asset band <$50M · latest filing 2021-12 · stopped filing after 2021-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/pomona-postal-16196

Who the members are: federal charter, government (single sponsor), organized 1964, low-income designated. 719 members of 1,000 potential (71.9% of the field); checking penetration 15% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *stressed*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.6M |
| Members | 719 (2.0% YoY) |
| Full-time staff | 1 |
| Net worth | $101,294 |
| Net worth ratio | 2.8% (p0 of band) |
| ROA (annualized) | -4.86% (p1 of band) |
| Total delinquency | 0.50% (p51 of band) |
| Net charge-offs (annualized) | -0.28% (p5 of band) |
| Loans / shares | 51% (p56 of band) |
| Cash / assets | 54.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.52% (p98 of band) |
| Operating expense / assets | 8.11% (p98 of band) |
| Vehicles % of loans | 61% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 0.09% (p43 of band) |
| Vehicle NCO | 0.00% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 39% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 24% |
| Average share balance | $3,464 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $6,687 |
| Loans granted, annualized | $1.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, charge-offs p90, auto monoline |  |
| 2016-06 | 3 | delinquency 2x band | charge-offs p90 |
| 2016-09 | 3 | charge-offs p90 | delinquency 2x band |
| 2016-12 | 4 | delinquency 2x band |  |
| 2017-03 | 7 | net worth falling, margin squeeze, delinquency rising, members leaving, loan book shrinking | expense trap, charge-offs p90 |
| 2017-06 | 4 |  | net worth falling, delinquency rising, members leaving |
| 2017-09 | 6 | losing money, expense trap, delinquency rising, assets shrinking | auto monoline, loan book shrinking |
| 2017-12 | 5 | members leaving | margin squeeze, losing money |
| 2018-03 | 6 | charge-offs p90, repo signal | members leaving |
| 2018-06 | 5 |  | repo signal |
| 2018-09 | 5 |  |  |
| 2018-12 | 5 | losing money | delinquency rising |
| 2019-03 | 3 |  | charge-offs p90, losing money |
| 2019-06 | 4 | losing money, charge-offs p90 | delinquency 2x band |
| 2019-09 | 5 | delinquency 2x band |  |
| 2019-12 | 5 | thin capital | delinquency 2x band |
| 2020-03 | 6 | net worth falling, margin squeeze | assets shrinking |
| 2020-06 | 7 | delinquency rising, loan book shrinking | losing money |
| 2020-09 | 9 | capital below 7%, losing money | delinquency rising |
| 2020-12 | 10 | members leaving |  |
| 2021-03 | 9 |  | charge-offs p90 |
| 2021-06 | 6 |  | net worth falling, loan book shrinking, losing money |
| 2021-09 | 9 | losing money, delinquency 2x band, delinquency rising, assets shrinking | margin squeeze |
| 2021-12 | 10 | net worth falling, loan book shrinking, auto monoline | members leaving, delinquency 2x band |

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

- 2022-03-14 [Pomona Postal Federal Credit Union merges with Credit Union of Southern California - CUInsight](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQYkExclRUX0JKNGhvR0dGczAzUUx2cEV0ak52NnFNUU5MVGVZZmxyZkZ5WE5vRmphMmotSFhSRU5ITnozVE55REhCd3F6ejB1YXJhb2dnYmw1Z1RDV1FuSFlOYzU3Wi1ETmZJVnBrS0NyRHppMEpESkl6bUJUQzdpUjhpZXVSMzNwWUFBOF9GOUdGQ1VCNFM5SU96WGdsZmtpWXRsQWk1V0hGcG5JTHFxZTdWYUZLb3ZQUFc3clRJQlA?oc=5) · CUInsight
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2024-11-08 [Monthly Bulletin – February 2022 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMif0FVX3lxTFBwQzB0aFBfNTcxdXh6YVlpT3lnbXdZbk8wRUtTM3daakN3UEhiU0JxOFBQQlA5WVZJV3RsSVU1OTZNVUtpck05a0VkTDh2VTdzNjAwVV9EUEhrVXUwRnFuZU51cUc4SVdTcXRaWDJtVjFjRk83bExqNy1OY1B2ajA?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2022-01-13 [Monthly Bulletin – January 2022 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTFBidzVpSTBVeFllZHh3OTgxeFoxbDBVMHl4eC01WFF0M2F0X3RrWWlxU18zbmhwUnNaZTRTb3c3clVVTlc3Zkx5NGFRenBnZzBMTzZiNDBRMVJJMFZscVY1bTZ2MG11N2NIYkJJLTVPb09BaWxYOHJnaEM0d3kxZw?oc=5) · The Department of Financial Protection and Innovation (.gov)

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16196 (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/4.json (key "16196", 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=16196
- 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