# WEST COAST
Clearwater, FL · NCUA charter 19588 · asset band <$50M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/west-coast-19588

Who the members are: federal charter, multiple common bond, organized 1969, low-income designated. 3,481 members of 9,000 potential (38.7% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *too clean*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $15.9M |
| Members | 3,481 (– YoY) |
| Full-time staff | 3 |
| Net worth | $1.4M |
| Net worth ratio | 8.9% (p19 of band) |
| ROA (annualized) | -0.24% (p18 of band) |
| Total delinquency | 0.02% (p11 of band) |
| Net charge-offs (annualized) | 0.63% (p75 of band) |
| Loans / shares | 39% (p23 of band) |
| Cash / assets | 18.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.58% (p34 of band) |
| Operating expense / assets | 4.80% (p83 of band) |
| Vehicles % of loans | 79% (p91 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% (p14 of band) |
| Vehicle NCO | 0.09% (p55 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 3% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 96% |
| Certificates % of member funds | 4% |
| Average share balance | $2,855 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $5,754 |
| Loans granted, annualized | $2.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | repo signal, auto monoline |  |
| 2016-06 | 3 | losing money |  |
| 2016-09 | 3 | thin capital | repo signal |

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

- 2026-03-05 [Credit Union 1 West Coast Conference Men's Basketball Championship Notebook - March 5 - West Coast Conference](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQaUNidHRGVl9MRi1CczczTWNhQmNVdnpDb24wTXVKbWo2OTBwOHlzSkRtOW9qc2h2bXVBNGUtcFFGcEJaVTd6d21xS2IxZkFjQXVwQjZkNTcyeGc1cm8yb0ppcmhMWnRWZ2tzU3JlTm9PLXhhZEV1b2JySUFMTFpBbHh4UHlyYVV5T1VHTnpLU01lendUQklXY0JNcVBJSXM3amRJdnVrUmFrclFESWRMVk0zaGpDV1hvcENqY3BqZVg?oc=5) · West Coast Conference
- 2026-04-17 [USF credit union was the fastest-growing in Tampa Bay last year - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxNVUZsVzNBVkVHQmRKRDRBOGp1Sy1udWJCeTVYNEJzZ3FnUVo4a1RXMFk2VG5ad2tWdVFicVY4RDh3M28yeVpBMHZXXzBBUFlYRlJiYjQybXExVEtsN1laYlAtWUdLQm4wOXlOYV9SUGdyNXN6OGhnYUVmRmFMSmtyWW1td3NGdGtubUJwRmZEQS1HMXMx?oc=5) · The Business Journals
- 2026-02-12 [Hillsborough Commissioner Chris Boles diagnosed with throat cancer - Florida Politics](https://news.google.com/rss/articles/CBMisAFBVV95cUxNTmYyZzBZWlJsX0UtNjZ3RnNoaWstdHpNdHVKdGxtWmdTV2M2TVZzMXllNENFQW1tOHFwR0pySkZIY1FIcC0yMkNObEMxVnFueXE1WXZILVI0MU5kVTBtR2pmZG9vTUZ2VjVuM2c0QU1uSzN2NkpvYktCdEh3RHNzaWl2WlRMenUydVE3YmlWZmNMTkhpWlFpd1JVbldSYVBzaDJqVlFDM3NzSF9pRzg4NA?oc=5) · Florida Politics
- 2026-05-06 [Four Teams Selected To NCAA Men’s Golf Regionals - West Coast Conference](https://news.google.com/rss/articles/CBMiqAFBVV95cUxORVNDQ3FxTDZ2V0xLS2h4aENLWXpwVUt5QmZ2c1VVMlozLVZZVGNteUdRNkZ4b1V5NTFKdTRBMEZGeW1mWGduM20ycFYyN1Zaa2sxM2FZQjViT3c2cEY1MkI1YmYwcGVtTENtdXNIZVJucGVBanUzYVhpenhLWTh2LWIxMzZVaUNoRTBxYlBIeTFLTkdqRG4weTdLcFk2UmpVZlFIakl3TjE?oc=5) · West Coast Conference
- 2026-01-28 [Luke Bryan To Bring 'Farm Tour' Back To West Coast In 2026 — What To Know - iHeart](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPR0JjQndIaHdLdEJ6ZkozQWh2Xy1PSWxmN2I1a1NiUk1mWVY3Nl9oRUU1WU5kUGJZaU1YcUlUVkh3ZlUxNVIyRjhIMGcyb3hFRExaUG14SUQ0cjVQd3prS3JPOGdodzJWSDlkV1VrYnM1UGxEeW8zQUJUcEVIYi1yTzRmSmcxSzB6ZmJoMVdWZmxpRUtaT0F0NWhySE8wZVhOM0FWOW5nX0VBbG9VLW9LejNzcGVFZU80LS1ObGxCektmRUo3b0MteTRwVXh5Ul83VmttZXVn0gG_AUFVX3lxTE5iUUpINTlLWlJodzI3bWtlMF9GLU1EME5XeG9nSktRMlFmNnJqR1lkdVAyZXA4WWRRZEdWLVBvLW4yaHhpamUtRlFQUUVGOERfQWp3UEVSdWNheDN2MkJncW51NHBoM0dIWWNJakkwNXFiakNTQkdmME1HdE9nVU1VSXdsWGFMNHJ2QjI1NnIwX29SYzlUTGJPSXQ2Yzk4bHV0aElTTE5Sem4zR21lS213UWRIWFRuUU5EVTA5WFRR?oc=5) · iHeart
- 2026-03-05 [2026 West Coast Men's Basketball Conference Tournament - Full Schedule & Official Bracket - heavy.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOLXhjUXBuMldtWnlsME9WRlUzdEFZMVVENXpPc1UweFZhYjFhb0lhQ0cxRHQ4WmllbEZoQjkydzA2WjNZV3hBZUlTZGJHY0dkVGJCWlpNZ3NtMnlNZnlSOGFMaVg2Z09DVTVDdV9Ub1dYUzFETmdZQm9PMmtJTnhWM0NXNUI2YjJDWHhmMkhzMUxrR1Jxa2RIWTYzUG1ZSzVUeXpCZzc3N09YSlJjSlY3eDU3cmVBT3BCVTlmbEdFbkg?oc=5) · heavy.com
- 2026-01-26 [Goose Unveil 2026 Summer Tour - Jambands](https://news.google.com/rss/articles/CBMieEFVX3lxTE5feEszblEyM1JIUTZfalg0aUVCTVFiUXJ5SGl6b0pObnlIVHVUa0NCYno0M21heVl6dC1jLVE2YTB6bFhtSkV6S3k2Z09KMGRGYm12bkJKbk1YWG1rVm9ITFMyNXFpOE0yUU9uWlF2LWRiV1hPWEZsYQ?oc=5) · Jambands
- 2026-04-14 [Luke Bryan Reveals Lineup For Second Annual 'Farm Tour' On The West Coast - K102](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQb29MdGlCNGpDVUFOWXRtTU0xTmd5RjJpUTFEYTZmMkNodGMzR2h2WVVXenRFVWs1bVZCQWVCQzUxaGkwV0kyS1RtRUdDOXViVzB2UzRQazdxQ0dMT3B0eG0yRUU1Tk1HR1N0UG4ycmM5anhqVjBmQWZiOGNyUUZZQS1ISVJJVFBiWTRUN1dzcVVObHFnMXZ4UGpNalpickZLQ2QyVExHaS1BRW5LbWFBUEhiQkxBVGZhQmZ2STl5YXJfNWlORFFPN0pYRlBiLWotR1Ztaw?oc=5) · K102

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19588 (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/4.json (key "19588", 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=19588
- 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