# CEDARS-SINAI
WEST HOLLYWOOD, CA · NCUA charter 17652 · asset band <$50M · latest filing 2019-03 · stopped filing after 2019-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/cedars-sinai-17652

Who the members are: federal charter, multiple common bond, organized 1966, low-income designated. 5,007 members of 15,000 potential (33.4% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 16.

**Verdict on the desk:** this could be *auto monoline*. 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 | $30.4M |
| Members | 5,007 (1.3% YoY) |
| Full-time staff | 3 |
| Net worth | $4.2M |
| Net worth ratio | 13.7% (p55 of band) |
| ROA (annualized) | 1.36% (p90 of band) |
| Total delinquency | 0.66% (p49 of band) |
| Net charge-offs (annualized) | -0.72% (p3 of band) |
| Loans / shares | 26% (p9 of band) |
| Cash / assets | 20.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.96% (p32 of band) |
| Operating expense / assets | 1.93% (p11 of band) |
| Vehicles % of loans | 77% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.48% (p52 of band) |
| Vehicle NCO | 0.00% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 10% |
| Average share balance | $4,033 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 16% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $8,361 |
| Loans granted, annualized | $2.7M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | auto monoline |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |

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

- 2019-04-26 [Cedars-Sinai Federal Credit Union to merge with Credit Union of Southern California - CUInsight](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOMmVoZ2JmaHFNSmNBRWpKamNLMGNZemw1UjBqRk9tWndjLThYVE9uUG1STU55R2Y5UDdubE9UbEdfUnJJVFNaTS1ockVQWDZyMUJ6eG9xNU5EbnY5WVZnY2c1T0NIbjdOVnBDUWtKVEZfN1lxQjJubzFKaHRSUzdOXzExMUNfZzc0cXVsdGhlMDNRcTJqemtuR25XN2FjUlVoWUwwd2dTNXBEMVpvQWdrTl9GNXRMTm9wSXZUZklRcEhOQQ?oc=5) · CUInsight
- 2025-12-09 [Best Places to Work in IT 2026 - Computerworld](https://news.google.com/rss/articles/CBMimwFBVV95cUxPdWphMzI2UjZVb0c1WFlmN1VrbXNnaFQzSEZGRFBwZ1RRdmVrbTFaTk0yT1BWTUgwd0NqQkh6RlVGVlhTX2laM3NnOTd2Zzg4QmxPYUFQN0plMlNQTDQxMFcyUXllLUNlTWRWTXdrUG42YlFYMlRHX2RPcldmOEhpVXJTU0hyRFJwSUNzVGZMeVhFSGV2MDREWlVvTQ?oc=5) · Computerworld
- 2024-11-08 [Monthly Bulletin – June 2019 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMiekFVX3lxTFBUdjhHSXM5QzZzU0Z5TG1LbG5BbmlOdFFQVVV4WFJUSlZtdG1TQjBVcU4yMWJ4N21YYW4wbmVVeHhWVXZSaEEyNW1TOHFGV3hZeFZPbnByNV9jcHNzUW5EbTN0VGlqRk9OM2tMb1k5SW5LR2RBbUIxU09n?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2020-08-26 [CU SoCal to acquire small hospital credit union - americanbanker.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQckR3bXBldzN5cHdvNTBOUXpEcTVzUGlzdUUzWlk3dTVVMF91UHNPZU5oN2VPNGFyZ0VCNWpLcHU2M0V3VW9zSzZ5dkthdV9UUzhpWmVDYTAxNDgwWTg3UnlYZGJfWkhZU0pNc3BFVVk3c2xGUUlZV1JXQWpVMU9OUXg1Q012QjN3LXJIMFhuOXJfVXZ5SHNDc2hlQ1E?oc=5) · americanbanker.com
- 2025-09-25 [Shaun Dolac opens up about his family's history with cancer & visiting Cedars-Sinai Guerin Children's - Rams](https://news.google.com/rss/articles/CBMisgFBVV95cUxQVGdnemgxYk9pcGE1dHU3dVBwNFlZTDdsV1U5MmluaU1Db0F0VnotWGs1QThoSXJrcVZoTjlTSFFERkRnbGluWHZSY1NBSmE0ZUdENTlVN0VHd0FOWW9fdFJHd1VNM3lYeDBySGFHcklOaEVaeC1OeHZUTmd2UTdhcFhObWZpcGNHRTBXTmwzWUtOVWIzOURrY3Q2aHZWWFJwQk9DNWpOSXp1cHZDME9BXzNB?oc=5) · Rams
- 2022-03-16 [Credit Union of Southern California debuts new branch - CUInsight](https://news.google.com/rss/articles/CBMimgFBVV95cUxPNVNhVkdvYldEczd3ZW1jZF80Y0dqWXBibzNDSkF3VEZKMWF3RzRTSnlFZmxnN19GZ0VycjE1ZEVpZTR4YkRzLWhzWWdyZTF5MGJhTlZPRWlIalNmSWI3b0hRN25BVHRvaUZBMldYR3JkTEhBdkw1bDRpUzg2U0lDWVNPT1ZVaFJNR1MxWkt4SW9wT1A3RzlSN3h3?oc=5) · CUInsight
- 2025-12-09 [Computerworld Reveals 2026’s Top IT Workplaces - foundryco.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE1velhkZFJFVTRxSmw5b1VCUHRVYnlFd3N1ZnlmMldWMElxX3BSaElaOE9mWXhwSXZjSnFTNDBGWkppaGp1TzBkRXplVUhFU1pZTk1iS3dSNnpBelJ2MWQ5TEZtZjI2R3FQYlBLLVF6alhzckk0V3NxdA?oc=5) · foundryco.com
- 2022-10-13 [Taste of Soul Is Back – Live and In-Person!! - Los Angeles Sentinel](https://news.google.com/rss/articles/CBMigwFBVV95cUxPLVFseHc4QnlpYVQzWW8zNjBNOHVzY282SzZDd1RUNkVzOVVSandZbm5rbWE2NU9ZOVpidEttVFhwMi1hdEdsRjBIYm1jTXA1OExwbkNCdk8zdks4MmZ6SDh3X0JtcTFfOVF0RVo4VzBfamRvVHlWQlU5SUtydjh6dUVSYw?oc=5) · Los Angeles Sentinel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17652 (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/52.json (key "17652", 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=17652
- 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