# REACH
REDWOOD CITY, CA · NCUA charter 20699 · asset band $100-200M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/reach-20699

Who the members are: federal charter, multiple common bond, organized 1971. 6,036 members of 78,500 potential (7.7% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $102.7M |
| Members | 6,036 (– YoY) |
| Full-time staff | 19 |
| Net worth | $8.9M |
| Net worth ratio | 8.7% (p22 of band) |
| ROA (annualized) | -0.25% (p4 of band) |
| Total delinquency | 0.34% (p24 of band) |
| Net charge-offs (annualized) | 0.15% (p26 of band) |
| Loans / shares | 56% (p25 of band) |
| Cash / assets | 9.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.44% (p18 of band) |
| Operating expense / assets | 3.16% (p33 of band) |
| Vehicles % of loans | 22% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.84% (p74 of band) |
| Vehicle NCO | 0.23% (p36 of band) |
| Repossessed % of vehicle book | 0.00% (p29 of band) |
| Real estate % of loans | 66% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 34% |
| Certificates % of member funds | 9% |
| Average share balance | $6,969 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $14,892 |
| Loans granted, annualized | $11.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |

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

- 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
- 2025-10-30 [Wednesday recap of REACH 2025: CU Awards, Advocacy momentum, & more - CUInsight](https://news.google.com/rss/articles/CBMipgFBVV95cUxPNlRHNUo3OFdjNUN1NUYtMlFfNG9Nbkx6cWl1amR2ajN2WVVEMWs4dTA4WjQ0V3FHbWlHVTNOaUlEMXlPeGV5VHZFUkxSOG9FYjQzSDNZZ0xIeWE4NGhQQWlUZ096NXNGNndDaVZaektSMG9EeDVScFVYTkdTWUo5Q0RBSlBFRENUV0hBM0ZDNlZqMjR5OWQtRkVoWnBtOERETzBsT0J3?oc=5) · CUInsight
- 2026-06-26 [California Credit Unions Reach Agreement to Call Off Legal Merger Dispute - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxPb1hPYzdqZTVJeS1NV2tabGVsUzNKamZFUW5aVEFpQVpXelRtaEl0czJpZFA3WFBEZE5wblpfb09aSWJ0Y0hXblctVUstekFvbjl1dnQ0aElFclBzWHlHOHh2THRkOS1KU0tLM2dSMmZIUld0Y1FCZENLcWVTMzFTTWItV0ZxSy1TWVB4VmdBUUxhVkpqZXQtSFh3SE5DampUM28yUGUzanFPRFJucmc?oc=5) · CUTimes
- 2026-07-06 [AMOCO Federal Credit Union on path to reach $1 billion in assets - galvnews.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNRFBTMUhvVm1lYm9wRnNsZTZjZ3FGVnRzeDZCRGtsM1FRXzhUQXBBYXg0M25LNVVVekFPeXpva0FGN2FaaEtuWG96d2NOUUU3TXBtd2VHZi1qMFVJLVZ4VmhiYmVyTXpiTEVjWVoxZGppOVI1VXVzYmcyckJaUTBydmN2OE8yYWtxLTBjeU5XTE5VOTc4S3FMeTdfbEd6cEh0MU9vNFBJak1aazk2dkpBbnk0b1cwV0JDd1JIWHFBdHlHYXcxUWJfRlEyeHltU2plZDVxOUtDQ2R6YXdtZkl5Tw?oc=5) · galvnews.com
- 2026-03-23 ['I did not call myself a dictator': Credit-union CEO - americanbanker.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQbFdfazRudXlVOVUzcjkwMWg0elNPOGRRTHQ3c3dSTy1DRFNIVmdzeEpnN2tiNG4xMTZhZ0xucHI4TjAwc2MzRlA4YXprazI1d09uTnFWVktLVDZHMjI4eElGaDVJSGFhRklhZEV5TU1jQlZzR3k1WDJqTGltZy1JMWltUFN6dmFBRDMxcEpB?oc=5) · americanbanker.com
- 2026-04-09 [New branding for BC credit union as it moves to federal regulation - Co-operative News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQTUtTSUF3c2c2ejRlWGR6QkRYZGJ1M2hzenpGUVIxbkFWeTBnYzZTVW4teHpwY3NwUlV1SGdVNmhjdjhWYmpyN1FVVmo5NFYzQThaY0thb0R2T1JnRldBR1dBQTd1WTgxN0RrTW5BalpnSUJ5Nk5mdEMwOWV2V2RNZ3Ria08wVnB0bXNUZnk1empxejEzWHhJWUtWZHFscmJpU1JVS0J2U3NYdw?oc=5) · Co-operative News
- 2026-04-01 [Vancity reports strong 2025 performance. Asset levels reach a record $41 billion - Yahoo Finance Singapore](https://news.google.com/rss/articles/CBMikgFBVV95cUxNeVdkRWVkWFRQeGN0MDg0NngxTzJSQldxN25CaWhsZnV3UE1kN2JhbFExUXF4dUZSRmNNUy1RTW5yLVREX2x1SDJmYk80V19CaDN4ZDVvYWpEdlpVXzFvLTl0WnpyUWR2RmViR1VtR1k0ajlqMXI5Nnp0VnRsUG4zcTNYRG96Zkd1Z1V1VXdaazY5Zw?oc=5) · Yahoo Finance Singapore
- 2026-06-29 [JUDI.AI Secures Capital to Expand Reach for Small Business Loans Platform - Fintech.ca |](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNQjhJbV9NbVdRdXQ5ZVlPekdPbDJPZE0tSWRTdWFsS0ZsRW1jeF9yMzFmbVFoejV1ZnFRdlBIN0pyc0FYYnNDRE5lck94Sm5kY3dUbGF0V3RHZE5vcUxpazJDU2FVNkNUTjJLRlprdm9UTDNnTzBkeVpRVzBJaG91amRvTHduRDU4?oc=5) · Fintech.ca |

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20699 (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/27.json (key "20699", 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=20699
- 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