# FOX
LOS ANGELES, CA · NCUA charter 16954 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fox-16954

Who the members are: federal charter, multiple common bond, organized 1965. 2,976 members of 10,000 potential (29.8% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 18.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $38.1M |
| Members | 2,976 (-5.7% YoY) |
| Full-time staff | 8 |
| Net worth | $3.5M |
| Net worth ratio | 9.1% (p11 of band) |
| ROA (annualized) | -0.73% (p13 of band) |
| Total delinquency | 0.35% (p39 of band) |
| Net charge-offs (annualized) | 0.27% (p67 of band) |
| Loans / shares | 74% (p73 of band) |
| Cash / assets | 5.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.13% (p22 of band) |
| Operating expense / assets | 4.30% (p66 of band) |
| Vehicles % of loans | 8% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.75% (p59 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 88% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 15% |
| Average share balance | $6,998 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 18% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $48,966 |
| Loans granted, annualized | $1.8M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2026-05-27 [Fox Communities Credit Union opens new branch in Bellevue | Streetwise - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPbjA5S0R5aE5lNW9UNG9JWmF1UlpEZTZySThwTVBJQVNnNko0SFNVMEpJeDlXeGpIaHNIMW5zdGVBQnpJSHRvTk1GUUhQM2otRldEYnFKb19DZVNqTllvRmdLcVZpLVY2UUFxdnFxTVVXclJIMVFuZ3FmX2VhZTdKQlNJby0xN2dCcGZfNnhFb0NMOE5lWEk1QmdqNTg4cXJqb2ZZZEVxeXNzT01QTFVIQWlxcWFXaURZeGdxWHlIcXY?oc=5) · Green Bay Press-Gazette
- 2026-03-10 [Landmark Credit Union Announces Acquisition of American National Bank-Fox Cities; Expands Northeast Wisconsin Presence - PR Newswire](https://news.google.com/rss/articles/CBMigwJBVV95cUxPZTdRTTR5SkJpV25nTFFZc1BQekVFR3JvX2VZSXlqZ0VmRXZrR3psY1FqR25UTFdLLUtSSWdSeXdXaC1jNldoODRhSVhVSm5kWkpJY19GQzhfSk9Xdk1IeWxoalZCMWlEQklaeTZfLVNJWkstZk9xR2V4VWQtZ3N1MkZGcU1MRmJfVmZPMlJiUWhMQ1RtSkNzY2lmTGNxcG56eWNsSGl4OE1RS1RhcnlUYUl5Sll0VWJmNjI4dmEyeTVSZjNHZ2ZnTWs3c29oTVR6UjdvOXhwTi1iMDgtdUJZQTN6a0dWcHFaR1owVEFkdGs1ZU9hWUdWdndiek9ibmdkeTVr?oc=5) · PR Newswire
- 2026-03-24 [Spring and summer concerts at Chula Vista’s North Island Amphitheatre - fox5sandiego.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOeUVUUm1yV1VmTC0zZnFaRUlLVXpwM2FMMmpQUXgxUkZFTVpvamVkRGRHTHhqYWM4dEZ0UE4xNlR3dTFOZlBiQ2ZLU0xaQUpiak5tSDR3YnpJNnEtdHYyekF3TVNhZmp4WXpKUlM2ODZySEJqUE9VbzRKZ2FSbnllY0ZnRDBzOGFIU1oydXp5a9IBlAFBVV95cUxQd051Z01DcjROTURyekxSQTZxc3Z4OGQ4M0k2STd6X0RLUkRQUFVfOFAtbzItNjVfYzMzV2RweUJMbmJPZEVNakZrMzMyV0tTOWQzWXFvcFFFdVVvSkFhN2JuRmd0cFlGZGJfb2JWT1NHS090U3hMSGQ0U2JEZ2U3SzhMdVZoWlVBaFpVQjdpYW1LLTct?oc=5) · fox5sandiego.com
- 2025-08-06 [Fox Communities Credit Union welcomes Gerardo Mercado – Fox CU-Thrive program manager - CUInsight](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNTDN1YkR5QW5GZkV0TndhTmpsOXBHSzNoVHV3XzFuZWtSc2piZTRzd3k1Vmdpc0l6V3p3TVdoaFRNN1M5Ykw1NElxcmZ3MXptSTAxQ3hXM2tRTHZxMk5OaXl2WlpUNnZHbEF0SFJVUWVReHp2RnJWZVlTMlh4QVBWR0tTWUlrbVlyTDVpcnJXWVBrd0xKT29PVTRxaEk5dF9nX3pVZFhSU0h3WlAyUExkOVNoNXkwdkR0cllXeHBJMG1Odw?oc=5) · CUInsight
- 2026-09-04 [Thorold family has grown up around the city’s annual Terry Fox Run - ThoroldToday.ca](https://news.google.com/rss/articles/CBMiswFBVV95cUxOUkRsYWs5b3hrX2NkZ2Zya2pNZHBKZ0RZbVNEcmROT2NWLTRpZm9FbE1KdTg3dF9TY2lLRG1TV3FmZUY2Sk1kc0M1VWpnY18wUzladWdYQTVPY2lzS085TW9RYmgyV3lJbnBCX0RackNWN2NQS1BIVXR5VEhRYS1sck1ZVFpwRk5YdVRyZktONnczV0xzd2xOclBNZG5iejd4SzdZT0FoQTZXVjAtN2RxTWVpUQ?oc=5) · ThoroldToday.ca
- 2026-05-07 [Hayley Williams Adds 25 Dates Across North America and Latin America to The Hayley Williams Show - That Eric Alper](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOcmFyWUFUS0kxOUUtMm1IVXBmOHVJSi1QZnQxanhwV3NEYWkwMEN4WmNlcjRDTS1BVXYxcjNqT2NFV1FwNEM0RlZacnpzTkxzc285M3dDTXVGc05RNTY0VldydjVkcXQ4MzdCNUNhY2N2WXh5eWFEenZxREpzaTEyVW1jbUNxWFZQYzlhZXVjaUdHZWI2akpvMUhtUXl4VmNiNHFhSllvYmFjUjJDX1FxMnVuOTU1VjZiSlF6a1RELW5YbEVIRnQySkY4d2NyMUMtOWE2Ug?oc=5) · That Eric Alper
- 2025-12-04 [Hawai'i Rainbow Wahine vs. UC Davis Aggies Box Score and Stats - December 04, 2025 - FOX Sports](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQWEFMcFNVRklkTGNsWk02OVpRYlJmd3cwcWJpNTBFVHRSZkNZSlVabjF5bFk4VWRQb2VydUhwTDV5M0U0a0Etdk1yd1h4cVlON0t4ekFlTmtLTkQtcFFqNk9fQVlrcmdWM2FMUG15aC1VLWh6TFBpX28wd2dZcUlVeG9Ic3g3SVhGdjE3N0J6Qjc0Nm9SdlVnLVlxTktCVk5uZ0NBZ2EtRWRYQmJiNkdGRkpEOHZFX1pxbTY2UlFFZlNDMGt4Y3FzcmliQno0d19jSDNVdg?oc=5) · FOX Sports
- 2026-06-10 [Here's To You: Texas Trust Credit Union - fox4news.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFA2LVNIRzdnM2NnZHg3QkZJZDJCbnhWRzFFd1lOX1lZTjJZU0tRb0QyajhsRVFHUGx5R3RIUXlRdGRWQU5uNzdaQUxfS0llX3dWaWVmM0IzNkJQNFd0SXlNdtIBZkFVX3lxTE1mRFZiR1pDd0JpQTRpZTNnVXYxcThMQk1IVHhCcG9aajlPWHpfWG9FOUFDNmk2cGpvdng0RGhtV09jdDJjWmZnWEZWT2hqNE41ekZ2QjlBcHJkNkJSdlhxeWtiNE9Kdw?oc=5) · fox4news.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16954 (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 "16954", 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=16954
- 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