# LOS ANGELES LEE
Los Angeles, CA · NCUA charter 16570 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/los-angeles-lee-16570

Who the members are: federal charter, associational, organized 1964, low-income designated, minority depository institution. 68 members of 200 potential (34.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $644,510 |
| Members | 68 (-11.7% YoY) |
| Full-time staff | 0 |
| Net worth | $150,089 |
| Net worth ratio | 23.3% (p83 of band) |
| ROA (annualized) | 0.30% (p37 of band) |
| Total delinquency | 3.94% (p91 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 57% (p49 of band) |
| Cash / assets | 55.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.25% (p2 of band) |
| Operating expense / assets | 1.20% (p3 of band) |
| Vehicles % of loans | 100% (p100 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 3.94% (p91 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $7,244 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $20,096 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 4 | losing money, assets shrinking, members leaving | delinquency 2x band |
| 2017-06 | 3 |  | losing money |
| 2017-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2017-12 | 3 |  | delinquency 2x band, delinquency rising |
| 2018-03 | 3 | net worth falling | assets shrinking |
| 2018-06 | 4 | delinquency 2x band, delinquency rising | net worth falling |
| 2018-09 | 2 |  | delinquency 2x band, delinquency rising |
| 2018-12 | 3 | delinquency 2x band, delinquency rising | members leaving |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | delinquency rising |
| 2019-09 | 2 | net worth falling | delinquency 2x band |
| 2019-12 | 3 | delinquency 2x band, delinquency rising | net worth falling |
| 2020-03 | 2 |  | delinquency rising |
| 2020-06 | 6 | delinquency rising, assets shrinking, members leaving, loan book shrinking |  |
| 2020-09 | 4 |  | delinquency 2x band, delinquency rising |
| 2020-12 | 4 | delinquency 2x band | members leaving |
| 2021-03 | 3 |  | delinquency 2x band |
| 2021-06 | 4 | margin squeeze, delinquency 2x band | assets shrinking |
| 2021-09 | 7 | net worth falling, delinquency rising, members leaving |  |
| 2021-12 | 6 | losing money | loan book shrinking, members leaving |
| 2022-03 | 5 | members leaving | delinquency 2x band, delinquency rising |
| 2022-06 | 7 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 3 |  | margin squeeze, members leaving, delinquency 2x band, delinquency rising |
| 2022-12 | 4 | delinquency 2x band |  |
| 2023-03 | 1 |  | net worth falling, losing money, delinquency 2x band |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 4 | losing money, margin squeeze, loan book shrinking |  |
| 2024-06 | 1 |  | losing money, margin squeeze, loan book shrinking |
| 2024-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | members leaving |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 | margin squeeze | delinquency rising |

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

- 2023-04-02 [Mutual aid clubs are still going strong in L.A. Chinatown. But their future is uncertain - Los Angeles Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxOZmF2ck40ck02OElEWTF0VjVNTXFPRlZ6WmhHajVnWXhLalE2cFBCdURWWm5xZ1RObkJrQV9sdE9qRDZsQnExSGhMM0xMT2hyaXNwSHVKQlk1c0x3TXZjTFhOUkF1SFZESkRuTVBiMXp0SVVPbXpGVlF1NkdWbHRJYnFLZ3VubHNCX3hjd3pYbWt2d1NOZHhiVGcyaw?oc=5) · Los Angeles Times
- 2016-06-30 [Lee Wesley Gibson, believed to be oldest surviving Pullman porter, dies at 106 - The Virgin Islands Daily News](https://news.google.com/rss/articles/CBMi_AFBVV95cUxNdXpIbjZfWUpaZWxzVE1BVVJsaEoxbHRvY2pHR3pwQzR1bjhBVm5wV0RicjF4WTRjYkhucHpxVUI0ajc2Y2w5OWl2WndtczB3MmxEYXpYV016NkpTS0JFZ0g4YXR3dl9WcElSa2MxcTZvNHdsRUVVMGotS1J2ZjZzR3VSUTBHYS1nNlJUMFpYRHlTcW5NeE9ISXY5ZDZmWTNRMXR1a2M3Wi1jVHZtX3ZRY0hWR19INl9Ta25LQ0tYSXNpQ19HUEd1dkhDRzJSVDdYR1IxcEZONV9WZ1pGSVRlNnlYM2tzVzNZTnd5MkJ0WFpUbFNHaGt2WEpDcG4?oc=5) · The Virgin Islands Daily News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16570 (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/58.json (key "16570", 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=16570
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide