# ATD
SAN JOSE, CA · NCUA charter 21052 · asset band <$50M · 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/atd-21052

Who the members are: federal charter, multiple common bond, organized 1972. 881 members of 1 potential (– of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 0.

**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 | $2.4M |
| Members | 881 (– YoY) |
| Full-time staff | 1 |
| Net worth | $2.4M |
| Net worth ratio | 100.0% (p100 of band) |
| ROA (annualized) | -5.53% (p1 of band) |
| Total delinquency | – |
| Net charge-offs (annualized) | – |
| Loans / shares | – |
| Cash / assets | 100.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.77% (p1 of band) |
| Operating expense / assets | 15.89% (p100 of band) |
| Vehicles % of loans | – |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | – |
| Credit cards % of loans | – |
| Unsecured % of loans | – |
| Commercial % of net worth | 0% |
| Core shares % of member funds | – |
| Certificates % of member funds | – |
| Average share balance | – |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 0% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | – |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, expense trap |  |

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

- 2024-07-11 [2023 Best Award Winners List - ATD, association for talent development](https://news.google.com/rss/articles/CBMidkFVX3lxTE5XNDdGMnM0YUMyc2p1TFBGQktXenN2ekpibnAydklLQ1Z1bnVZWXdPcmZ5U1FpMXVxbXpwSGM3Q2oxbHZkbXZJcnpkRlF0dks2NFRDZmRCSHNXRGtNanAwN2RZVXhac29INl9TaEVxNnItZU93RlE?oc=5) · ATD, association for talent development
- 2026-08-06 [Grant Victor Acquires ATD & ATM Worldwide, Expanding ATM Services for Financial Institutions & Retail Establishments - EIN Presswire](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNSGF6M3J6RmVjd1BjRnRPTWFrcnM4TFNUbVRidDN5dEpIZUs2dVA4MHlrY1MtYWZYVUZtVGpOQWptNzBsLV9IN3huTEhESnMxaHN5U2xjOXBFTmYwT3lrWlZubHhneXF1eDRBTE5IZVFMWDZlYmtTVVBPZWVfdHFSTUlfMUFXbkdMWmx3TG5FTzJNMHBsemZtVWpFdjZvQ2x6QkVJRFV4cmF2Y08tZ09tTExLMTZkekpadmh1Mzd6S1k3VlJHZE9JWHNfRDJGS24teXdIN2taTUIyY1ZFMGZMamZ0N0xrbjlZZkgwOHNZZw?oc=5) · EIN Presswire
- 2024-07-09 [2024 BEST Award Winners List - ATD, association for talent development](https://news.google.com/rss/articles/CBMidkFVX3lxTE9PbERQN2o5VjU5RnQ4Q3A0SmFUaW9aZ05MT2g5U1ZzbTFnbnl5TEs5UUl1eVpmLXlzdFcxUEtjbjN4VlRSNFd5bGZzbXlvWmhkdjhVZnFkUUd1dXprT3JMcFZzMll4NDF4VVB1dXJQSjJERUxDelE?oc=5) · ATD, association for talent development

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21052 (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/60.json (key "21052", 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=21052
- 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