# COLTON
COLTON, CA · NCUA charter 19266 · asset band <$50M · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/colton-19266

Who the members are: federal charter, educational (single sponsor), organized 1969, low-income designated. 965 members of 2,895 potential (33.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.6M |
| Members | 965 (-3.6% YoY) |
| Full-time staff | 2 |
| Net worth | $785,171 |
| Net worth ratio | 13.9% (p56 of band) |
| ROA (annualized) | -0.22% (p14 of band) |
| Total delinquency | 0.33% (p30 of band) |
| Net charge-offs (annualized) | 0.00% (p16 of band) |
| Loans / shares | 32% (p12 of band) |
| Cash / assets | 8.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.45% (p18 of band) |
| Operating expense / assets | 3.09% (p39 of band) |
| Vehicles % of loans | 71% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p13 of band) |
| Vehicle NCO | 0.00% (p21 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 23% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 9% |
| Average share balance | $4,573 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $7,770 |
| Loans granted, annualized | $862,999 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | members leaving | losing money |
| 2017-06 | 7 | losing money, delinquency 2x band, delinquency rising, repo signal, assets shrinking |  |
| 2017-09 | 3 |  | members leaving, delinquency 2x band, delinquency rising, repo signal |
| 2017-12 | 5 | delinquency rising, members leaving |  |
| 2018-03 | 4 |  | delinquency rising |
| 2018-06 | 5 | net worth falling |  |
| 2018-09 | 5 | delinquency rising | net worth falling |
| 2018-12 | 5 |  |  |

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

- 2026-08-22 [Fossil Ridge QB Colton Jantz named Preseason Football Player of Year - Yahoo Sports](https://news.google.com/rss/articles/CBMigwFBVV95cUxOUERyRFVXT2dsdXM4XzBHUlM1LXBkSy1MTnd4TjkzMWdQSGl1czJHSHpBdFZ6aWNJZzRxQTVqM3VhUTVWRy1kM2lRZktpY0xFUWR2eHJEeThpanh1dE5oZ19wTm40QUVST0JVd2o2bGVVTE1oZDlVam1lVUFmQlJBSDZ0NA?oc=5) · Yahoo Sports
- 2026-05-13 [Buckeye math teacher receives Silver Apple award after 5 student nominations - AZ Family](https://news.google.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?oc=5) · AZ Family
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- 2025-07-09 [Americans Announce Co-Captains and First Two Signings of the Season - allenamericans.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOaTZwOXI3VzA4aVNHQkVza1dWa2wzVTJRNjVubWNOOEpHQUE2c2xxWGJUTHEtalI2YUpfTm5ITUVIbUVsektxQm9sbURxTG1sZWpWcDlqR3QzWjlsSTNRWkFqOVBMX2pSdDRKdDVKSENTdHJSUGFlZDRJeU1tV3poZDYxLTZKLWxBYjhidVM1WXh3MC1SNmxEblJxb2hyNkNNMF9vN1dyYXZqR3M?oc=5) · allenamericans.com
- 2025-10-11 [Food donation drive at Great Canadian Superstore supports Downtown Mission - ctvnews.ca](https://news.google.com/rss/articles/CBMitAFBVV95cUxOek56aHltbWpFU2FtUjU4azctMzg2dVRnNzdRODVqcXhua1FxLU9YTTd4NFFEMzZiNFZEaXVhTU9WSnV2czlwUk9hQzl6NW9pLXo5WVJQeHVjbUhSVmRzbEd6em82blp1WGkwTFB1T2NaTU1aRldESnJsalYyTHgzZWFuSk41UVl0NDBQX3Q5VDVHUW1aeXVWa0NycVNITVpsOC1MTlhOZ1E1UUFfOVNLVHdtUTA?oc=5) · ctvnews.ca
- 2024-01-25 [Boston College 45-42 Louisville (Oct 14, 2017) Final Score - espn.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNMElnY2RWamZyOC05TTkyLWtuWmpOTnVtbmxBOExnNVdvOFhQbzFyNTZhcFhSeDRmNXVvcVBzdURjZWdfZk54M1loUFR4MFZDY3h3MDA1V1BDY29GZGFtQUJGNUtZakpkLUo0cEZaV2VBMF9uNHhDMnBSNkU0VElDSDFEUlpGZDRsQTdadHVuTTE?oc=5) · espn.com
- 2019-10-01 [Suspected Colton bank robber found dead inside building - ABC10](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQcUt5WmFzaXpnY0xNTUY2ZzhXM3JoV3k3VWcwOVpuWndTY2NmOEg3S3Y1RExHb0djMk1YNmhhMWVlUlFWRlVYYi1yd3o4cHQ0RjhDd0xsWTBRTHI0cm9lWnV5XzhwNGNpb3lyUFJiUmVuM1BoVXNnYWNuUVUxRkpGUkluRk1kUlRYTE9VWndsbVU2WldoMWlLS25XazlGYjBwSGpIV3B0Yzl3Rjh6SFFTLTNsd29NNVNLeVRhd3pNaUJvcDN4NGlyRHRMZXZlZlNBSEVJ?oc=5) · ABC10

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19266 (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/2.json (key "19266", 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=19266
- 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