# HONDA
Torrance, CA · NCUA charter 17623 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/honda-17623

Who the members are: federal charter, multiple common bond, organized 1966. 60,566 members of 200,000 potential (30.3% of the field); checking penetration 79% (share draft accounts per 100 members); loans per 100 members 82.

**Verdict on the desk:** this could be *ordinary*. 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 | $1.20B |
| Members | 60,566 (-2.4% YoY) |
| Full-time staff | 191 |
| Net worth | $110.2M |
| Net worth ratio | 9.2% (p17 of band) |
| ROA (annualized) | 0.51% (p31 of band) |
| Total delinquency | 0.34% (p19 of band) |
| Net charge-offs (annualized) | 0.29% (p23 of band) |
| Loans / shares | 88% (p56 of band) |
| Cash / assets | 14.8% |
| Borrowings / assets | 1.07% |
| Net interest margin | 3.40% (p55 of band) |
| Operating expense / assets | 3.97% (p85 of band) |
| Vehicles % of loans | 27% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 99% (p39 of band) |
| Vehicle delinquency | 0.21% (p13 of band) |
| Vehicle NCO | 0.53% (p20 of band) |
| Repossessed % of vehicle book | 0.04% (p38 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 34% |
| Average share balance | $6,721 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 82% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $18,444 |
| Loans granted, annualized | $357.7M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | loans>95% of shares |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | net worth falling, delinquency rising | loans>95% of shares |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 | loans>95% of shares | net worth falling, delinquency rising |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 1 |  | loans>95% of shares, delinquency rising |
| 2020-06 | 3 | thin capital, net worth falling |  |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | margin squeeze |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | expense trap, loans>95% of shares | thin capital |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | net worth falling |  |
| 2023-03 | 5 | thin capital |  |
| 2023-06 | 3 |  | net worth falling, thin capital |
| 2023-09 | 5 | losing money, delinquency rising |  |
| 2023-12 | 4 |  | delinquency rising |
| 2024-03 | 5 | delinquency rising, assets shrinking, members leaving | loans>95% of shares, losing money |
| 2024-06 | 5 | thin capital, losing money | delinquency rising, assets shrinking |
| 2024-09 | 5 | net worth falling | 3rd-party paper>100% NW |
| 2024-12 | 3 |  | losing money, net worth falling |
| 2025-03 | 2 |  | expense trap |
| 2025-06 | 1 |  | thin capital |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | members leaving |
| 2026-03 | 0 |  |  |

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

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- 2025-11-21 [TOR Hosts Community Open House in Partnership With Pasadena Community Coalition and Support from the California Credit Union Foundation - Tournament of Roses](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9kSWxTQkdMWjdDcEdJdFpmdXItNHZIS0FOTzd4ei1XdnFHV0JsVko3TnQzb1RuanpsNXBQY1NCNjFMWUhHS29nc3Bja2hiZGVxeTJkc2pmS3k1TnJhVW13ME9qLVhqYm8?oc=5) · Tournament of Roses
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- 2023-02-13 [Farewell to Union Bank - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMib0FVX3lxTE9vRlNwVUNfMkh3d2pINUh0VWRneEpaR21RRFlGemNRd0RiSERNMU1IWHlWdjNURDVTX2NyRzVzWEFyVk1JQnZnOFhnVUYweWpCanhSeGJjcG5pc0F1Z20tNlBYOUx5TlRHbWZVNS15TQ?oc=5) · Los Angeles Business Journal
- 2024-01-16 [Janet Jackson to perform in Chicago alongside Nelly as part of 35-show tour extension - NBC 5 Chicago](https://news.google.com/rss/articles/CBMizAFBVV95cUxOdlZuMGR0LWlZaHRTdXFVeFpaZlVtdEJ0RXo4ZlNVcG12OWRDQWZGTWRROFhRS2xUZDk3djdfbkVTYnZ5ZVV3RHcwRzE4bGhTSm9sU2NPc1BzVlBqSTRCMWFtQmY4QXozYzI5YnFTa1RMNWNfQWxlb2w3ZFlZbWpyMkUxVnNRU19sSi1HMUNOTzBoVWlPcVd4V0ZmTXduZUttbUoza2pjN1h5S3g3SXpvU1Z1ZXNaQUdmd3VCODBwdmpKTTV0VXQzbzU2LV_SAdQBQVVfeXFMUHdjcy1rLXlZR2pwUDVPR2YtNmxUV1hadVRPZm1EbGNVNnBUbDduUHdXbi1jV0hrMVp2ZjVBTHlpVnZFbm1yNmh5MVFpc25qMkxvZFd3bXFzcmlHeHdUN29wRkRzSEJqenczZEF0VzBwZEJKMGhnYlhUUTNMNVBVcTdjMTE4eGhwX256UGg2ejJKbFJoNHRDVWR5dnVKYl9lb1g5LWZmNUFsbFA3c3hsTjE3NFpxdnZINGx4UklyRWpFTFRJNzRKOW5WN2xYNnhicnI0TTU?oc=5) · NBC 5 Chicago

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17623 (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/23.json (key "17623", 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=17623
- 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