# LASSEN COUNTY
Susanville, CA · NCUA charter 17232 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lassen-county-17232

Who the members are: federal charter, community charter, organized 1966. 4,430 members of 24,000 potential (18.5% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $109.3M |
| Members | 4,430 (-1.4% YoY) |
| Full-time staff | 14 |
| Net worth | $14.5M |
| Net worth ratio | 13.2% (p69 of band) |
| ROA (annualized) | 0.41% (p31 of band) |
| Total delinquency | 0.07% (p5 of band) |
| Net charge-offs (annualized) | 0.00% (p6 of band) |
| Loans / shares | 55% (p23 of band) |
| Cash / assets | 16.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.60% (p6 of band) |
| Operating expense / assets | 2.57% (p14 of band) |
| Vehicles % of loans | 31% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 41% |
| Third-party paper % of net worth | 68% (p62 of band) |
| Vehicle delinquency | 0.23% (p25 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 7% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 205% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 22% |
| Average share balance | $10,334 |
| Participations bought / yr | $8.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $33.0M |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $34,991 |
| Loans granted, annualized | $14.8M |

## Participation posture (from the same filings)

Bought $8.3M and sold $0 in the latest annualized quarter; $33.0M outstanding purchased (228.0% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 4.0% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 1 |  | auto monoline, net worth falling |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 | net worth falling | delinquency rising |
| 2018-03 | 1 |  | net worth falling |
| 2018-06 | 1 | delinquency rising | 3rd-party paper>100% NW |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 1 | net worth falling |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | delinquency rising |  |
| 2020-12 | 3 | loan book shrinking |  |
| 2021-03 | 2 | margin squeeze | delinquency rising, loan book shrinking |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | net worth falling |
| 2022-03 | 1 | members leaving |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | delinquency rising | members leaving |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | assets shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | net worth falling, delinquency rising |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2026-05-14 [Planting the fish for Saturday’s Junior Fishing Derby - Lassen County News](https://news.google.com/rss/articles/CBMihgFBVV95cUxQZnVvUHVuUG5yT1NPVEs3cXBCYVFSNzVjdTlraHFSTVh5MWJhV0dCdHdBMTRNZzhMYUYteFlHbmJiZTFVMlM5c3ozODBvRURoWllaQ21EMWdueU5ZN0ltU0xtLUhxQjZhQVFnUXJEZDJqMTd4em9MNjNKclJsY29Bc2dfUlZMZw?oc=5) · Lassen County News
- 2025-08-13 [Beware of Smishing and Vishing Scams Targeting Golden 1 Credit Union Members - SierraDailyNews.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxNMzlyWVJ6OUtRVTlzTmxPZ3FRdXdZU296VkQ4bWNpOGhzem02ZnNYR0YxZ0xjaDBScFVOdGk3NVRhNzl1dTdMc0djS0d4a2hkdG5lQVp4Y1hDNHpBcU83QVVwU00waEFWVkdseF9tWVFfSTV3S0d2T0x6MzhEdVowWHhTUF9TNnBqV3N5Q1BBODB0UGdTa1YwWWNzUDNCNEVzQldFOTNVS2VYNmRJMVpPTlh2Q0k1UQ?oc=5) · SierraDailyNews.com
- 2026-08-21 [Tuesday. Aug. 21, 2007 • Delight Callegari retires after 33 years - Lassen County News](https://news.google.com/rss/articles/CBMikAFBVV95cUxQbGVfQWh1UVYzd1FqRTRackxwbFhGYVE5MERHYzRFUDVBZFItODVXR3M3X0x4RzBSVkEwNlRESlFRTllzaWFIVUowTnN0aGdxMkpZVmotcU5IbVpaT0NEUGF5NGxGdmc5ZHc3UEZUQlo1dEpObXp3T0hEeDZ2Sk1Id1o2U2t2elo4ZF9aWENlUUI?oc=5) · Lassen County News
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2022-07-30 [T. Steven Jackson - Reno Gazette Journal](https://news.google.com/rss/articles/CBMiUkFVX3lxTE1sRmVTVUhWbG5FX3c5bERsbndwMm0zYmcyX3RvbHhnQ0VhaHBZWHJxNlZYdXoyNmpoWmlNaUNHdVdnd2o0QW9Ec0MwV1ZqdVUxSEE?oc=5) · Reno Gazette Journal
- 2014-09-11 [Nancy Kane Obituary (2014) - Janesville, CA - Fehrman Mortuary and Crematory Westwood, CA FD1005 - Westwood - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQVVoweXJ2Z1Nmd3F1dlNiWHRESGVDQUhDVVJrUGtzNk54bFJfd0F1RjY4aHdsNkI2MEVvWE5pWnBIUWM4SzdOVzFmRjU1d180TVZTeUVXREFPQ3hoWWZ5WkRlSWNMLWNwdlg4NGJYdzJRZE0tbzBfQlNhVkp6SS1mMg?oc=5) · legacy.com
- 2026-09-02 [Tuesday, Sept. 2, 2008 • Proposed new courthouse discussed in meeting - Lassen County News](https://news.google.com/rss/articles/CBMilgFBVV95cUxOTGdLNVJCc2JzQWFkMURVbzgweGc5cXpyQUtjM0tHUHZhVFBrNldYbndNM1J4Q213bDR2ak1lS011YlBxZUhYV3ptMWhLOS1RVnJMUXVSc0lWRHQ2TWlwM0lUWTV5V0FZMXpoLW5kb25rTXFWdUl6U2dVOVl6bWhyd0t1aElEVTVHcXp6RDdJbzN2NnRyMlE?oc=5) · Lassen County News
- 2019-07-23 [Gregor crowned Miss Lassen County - Lassen County News](https://news.google.com/rss/articles/CBMibEFVX3lxTE8zRFo5cFNRTFpqTTM3Z3ppY1hKLS1QNTFkU2g5VHR0UnR2Wjc2dVdid0FUZVM2eE1EMDAyQVFmYlRZekwyWTlyYXV0eTJxdWF0aDJOXzdqSUZSNlBiejRLNDdvdmNfQlJXMEhYRw?oc=5) · Lassen County News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17232 (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/16.json (key "17232", 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=17232
- 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