# PARTNERS
Burbank, CA · NCUA charter 18708 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/partners-18708

Who the members are: federal charter, multiple common bond, organized 1968, low-income designated. 176,871 members of 442,178 potential (40.0% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 76.

**Verdict on the desk:** this could be *ordinary*. 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 | $2.80B |
| Members | 176,871 (-1.5% YoY) |
| Full-time staff | 447 |
| Net worth | $320.3M |
| Net worth ratio | 11.4% (p64 of band) |
| ROA (annualized) | 0.93% (p69 of band) |
| Total delinquency | 0.83% (p71 of band) |
| Net charge-offs (annualized) | 0.72% (p70 of band) |
| Loans / shares | 89% (p59 of band) |
| Cash / assets | 14.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.58% (p68 of band) |
| Operating expense / assets | 3.59% (p70 of band) |
| Vehicles % of loans | 20% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 19% |
| Third-party paper % of net worth | 26% (p19 of band) |
| Vehicle delinquency | 0.22% (p13 of band) |
| Vehicle NCO | 0.69% (p30 of band) |
| Repossessed % of vehicle book | 0.08% (p53 of band) |
| Real estate % of loans | 67% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 6% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 23% |
| Average share balance | $6,588 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $102.1M |
| Loans outstanding per 100 members | 76% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $16,168 |
| Loans granted, annualized | $620.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $102.1M outstanding purchased (31.9% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 4.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, delinquency 2x band, loans>95% of shares |  |
| 2016-06 | 2 |  | delinquency 2x band |
| 2016-09 | 3 | 3rd-party paper>100% NW |  |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 5 | delinquency 2x band |  |
| 2017-06 | 4 |  | net worth falling |
| 2017-09 | 3 |  | delinquency 2x band |
| 2017-12 | 4 | delinquency 2x band |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | delinquency 2x band |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | delinquency 2x band |  |
| 2019-06 | 4 | charge-offs p90 | delinquency 2x band |
| 2019-09 | 3 |  | charge-offs p90 |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | net worth falling | expense trap |
| 2020-06 | 3 | margin squeeze | loans>95% of shares |
| 2020-09 | 4 | charge-offs p90 |  |
| 2020-12 | 3 |  | 3rd-party paper>100% NW |
| 2021-03 | 5 | delinquency 2x band, loan book shrinking |  |
| 2021-06 | 2 |  | net worth falling, delinquency 2x band, loan book shrinking |
| 2021-09 | 1 |  | charge-offs p90 |
| 2021-12 | 2 | members leaving, 3rd-party paper>100% NW | margin squeeze |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | members leaving |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | loans>95% of shares |  |
| 2023-12 | 1 |  | 3rd-party paper>100% NW |
| 2024-03 | 1 | delinquency rising | loans>95% of shares |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising, loans>95% of shares |  |
| 2024-12 | 1 |  | loans>95% of shares |
| 2025-03 | 1 | net worth falling | delinquency rising |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-08-24 [This CD pays 6.0% APY. Here's what you need to know - CNBC](https://news.google.com/rss/articles/CBMiX0FVX3lxTFB0RE83NEg3U1ROVmZYSndFRHJnN09Obmd0Z3dsQko5ZV9LX3FrQUJObzNwQTFZWENfSlczb1JLV3V3aF9LZUt1S0pXQmFNaEJBdktFQUwyOXFZUjQzU09r0gFkQVVfeXFMUDdMWVJ5d2FBMGJjbmVfaTNVVHE2Z05udEFJcjdMVEc3MEVIRmtnMThYbU1Dczdnbm1kWFZoS2RfajdDRTY4VV9wM1BBbHpoazFRNGc2dk5Ed3ZSX184bzR1bXFSUw?oc=5) · CNBC
- 2026-09-04 [California, Nevada Credit Union Groups Name 2026 Award Winners - cutoday.info](https://news.google.com/rss/articles/CBMipgFBVV95cUxNVE5rOHZvOXpkQ1RQWmVnNVI4NkFWVGNSVHBZUXp4NkdDUlNNb094SjFSWDlLM0FnUERmQzFCeDhQX1dmbDF0MUlGNDZFVGFvTlMtLTJhaDUzbFBEczJCWlJUZzdJZHAzeXVrVnhKZFJGMUFKck5aRndWY1pXS0ljQWFGUmRqd1V2ckU1YmllemMzX2VKM3h6M1ZubHQyemZuZW55RWdB?oc=5) · cutoday.info
- 2026-05-20 [Nuvision Credit Union Partners with Veterans for Bay Area Military Appreciation BBQ - Contra Costa News](https://news.google.com/rss/articles/CBMivAFBVV95cUxQd3pjUWVLX1NSdDMxVWl4ZXN1YmEtQ1hQZEQ3bmVGTUR6SjFFQlhQMU5CdHpPZGw0WlBRTE8zN0Y3YV82QWlZYjdtYmJLcU14b0tIellTblpVdWlsNHhHako1ZHF1azZrdkRBWnJMZ0ZJX01ZeFE4S1QzaDNzY3g5MEJsdlVPT0RJRDFrMVhLdHAwMjJwYkpmZWlvamdhdER1aFE0M0ZpUzJUWW5heGZ3SmdrTUNIaDFfOTZveQ?oc=5) · Contra Costa News
- 2026-01-21 [Rize Credit Union Partners with Upstart to Expand Access to Personal Loans in California - Business Wire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPRzh1SEZaRkZtNWhJa1NNUV92dHZWc3pnU2RhcTcxYVRWSjZ3ZG96anozVDhEZ3R3VUlSV1dSOUtmMW5ma0NBNEVFZjRSbGZwMVRxay1PVDlDaGNVQVR4SzNBZGxFVlBrUTRqMUVNbjVVQlR5UEtXUGwyVE91MjNFNEF1NkhyajVmdmZHZGdkZE41QVZFdzd6ZjI1UE1BR2p1T3BGX05kTm8zTW5LbFlTOGxxM2E4LVk3eVgtS1hCemY5UFBLNFRhSkdERERjTThCZDZYWDM4MzlDbUZ6bVE?oc=5) · Business Wire
- 2026-04-30 [This CD is still offering 6% — and 9 more of the highest-APY CDs this month - MarketWatch](https://news.google.com/rss/articles/CBMitgFBVV95cUxPczNOc05nZ3JSbFBBaUtjMXpCel9XNWNBamNYaWxKenlJMERJN1NobG9VWGxjVFBoakZBU05EVGdycDdTMmY3OGprbHU0VnRKU2tGQ2FfeU5adlF2SkJLazhGS1diMk1adE5Dc2M1Z0ktc3JJdm53RUlvNXFGT3lrWGR4N2NXMEpYN01VdWdCaFNUYld5UnhpR2JJS2Rjc2xha2tvYzR3R3lJNklnd1liVnpvMWVkZw?oc=5) · MarketWatch
- 2026-05-08 [Ukrainian Credit Union Limited Partners with VeriPark to Enhance Digital Banking - PR Newswire Canada](https://news.google.com/rss/articles/CBMizgFBVV95cUxNRF94SzNRYXJmaHJVZjJWbWxNQTQyaUpKa2dyamNtVk10ZXdLQ3Z6cC04RmtpZGpTQW1sUDhCV0hnSmZGRDNNWmQwa3R0VHZUZmktODBkTkJReWx6eVlrX3ZvcDBoNHlWMDFnS0ctTG9JNTI2UjRHVGZ4TGdkd3NTelVCN2NJWlhVM1FfTFZTcUVrT0drdHR4ZlZuXzl6U3FkU0E4bXRJVkFSc3JLTENYX1N3MTVEd0lZQ2VyQkl0Rml3Q3E4TzhndWl1eHhMdw?oc=5) · PR Newswire Canada
- 2025-10-07 [SchoolsFirst Federal Credit Union Partners with the California County Superintendents to Recognize Education Leaders Throughout the State - PR Newswire](https://news.google.com/rss/articles/CBMingJBVV95cUxPNlFodExaTW01V2hGUkR0bWZ5bDhzSzkzVFRtbERDN2t0TTBwTnJJRlkzb1ZvWkpETW1hRk1USFNid25faklPM3pyc3FxTm9JT0puMnU5aTNXZHF4Q1lpRklZTmdKSXBQTGl6QWkwOC1XSWw3SmhadFBwTnc5b2FXd0U2RWs1UHRQTWNiNEZzNjYxQlpBb05LVi1ZcHNRbk0wN0V1clpWUW43aEhVLWhsRUNiaFNrYzYwR2NEZnhOOUdwYUhFOFpwZzBiMHdNd3N6VWg5aGduZGJRWXdUaS1zeG1LTmd4R0kwcGVjLURldk82aU0xMGFRYjZGXzlqbEtick9qQUdzVTFTenpjc0liSi1DT1N6Mkk5UW0zclBR?oc=5) · PR Newswire
- 2026-07-15 [Nuvision Credit Union Partners with White Pony Express to Provide Clothing to Families in Contra Costa County - Contra Costa News](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPUlpiQ2gyYlF1T3E3ODl5MzNnbjFpbDc5ZHY3VjRWV05WUXVVVUxZSF9jdjg2QUExZlRTdHoxUzdwdXprZW90bnFmYUViUERCRzNubENKOEUyQU8ta0VfaTVsa3FGR2g1MHlRYVlrYV92RFAxTXlNRjhzRHBWdmNkU3JveFZQZTFaTzE2R0xiMXI0R1JWZTZaNWJxMWVsMmo5YWZNV0NaWVFOcmxadmdEb1N2ME5vUVpGckxlaU9TanF5OTdyNlhoY2dOa0RJNXZZV3hKX1FrTTU0SnFkMWs0?oc=5) · Contra Costa News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=18708 (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/20.json (key "18708", 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=18708
- 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