# FIRST CALIFORNIA
Fresno, CA · NCUA charter 23964 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-california-23964

Who the members are: federal charter, multiple common bond, organized 1982. 9,335 members of 22,000 potential (42.4% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *auto monoline*. 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 | $109.9M |
| Members | 9,335 (2.2% YoY) |
| Full-time staff | 19 |
| Net worth | $11.3M |
| Net worth ratio | 10.3% (p29 of band) |
| ROA (annualized) | 1.56% (p89 of band) |
| Total delinquency | 0.64% (p51 of band) |
| Net charge-offs (annualized) | 0.85% (p86 of band) |
| Loans / shares | 54% (p21 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.89% (p63 of band) |
| Operating expense / assets | 3.25% (p35 of band) |
| Vehicles % of loans | 69% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 89% |
| Third-party paper % of net worth | 288% (p95 of band) |
| Vehicle delinquency | 0.77% (p61 of band) |
| Vehicle NCO | 0.63% (p57 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 84% |
| Certificates % of member funds | 12% |
| Average share balance | $7,902 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $17,582 |
| Loans granted, annualized | $16.7M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 3 | losing money |  |
| 2016-12 | 3 | net worth falling | losing money |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | repo signal |  |
| 2018-03 | 2 |  | repo signal |
| 2018-06 | 6 | thin capital, net worth falling, losing money, delinquency rising |  |
| 2018-09 | 4 |  | net worth falling, delinquency rising |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | losing money |
| 2019-06 | 2 |  | thin capital |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 6 | losing money, delinquency 2x band, charge-offs p90 |  |
| 2020-06 | 7 | thin capital, net worth falling | delinquency 2x band |
| 2020-09 | 6 |  | auto monoline |
| 2020-12 | 6 | margin squeeze | delinquency rising |
| 2021-03 | 5 | members leaving | losing money, charge-offs p90 |
| 2021-06 | 6 | charge-offs p90, loan book shrinking | net worth falling |
| 2021-09 | 5 |  | margin squeeze |
| 2021-12 | 7 | net worth falling, delinquency rising |  |
| 2022-03 | 8 | losing money |  |
| 2022-06 | 7 |  | delinquency rising |
| 2022-09 | 8 | capital below 7%, delinquency rising | members leaving, loan book shrinking |
| 2022-12 | 7 | auto monoline | net worth falling, delinquency rising |
| 2023-03 | 4 | delinquency rising | charge-offs p90, losing money, capital below 7% |
| 2023-06 | 5 | charge-offs p90, assets shrinking | delinquency rising |
| 2023-09 | 6 | delinquency rising |  |
| 2023-12 | 5 |  | delinquency rising |
| 2024-03 | 4 |  | charge-offs p90 |
| 2024-06 | 5 | delinquency rising |  |
| 2024-09 | 3 |  | assets shrinking, delinquency rising |
| 2024-12 | 3 | delinquency rising | thin capital |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 2 |  |  |

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

- 2022-08-11 [Police investigating robbery at central Fresno bank - ABC30 Fresno](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPR3F6QUcxc1plV0poRlJwSGo4d1ZmdUJ3SjJHLTFDM2QyZ0plbHdaWTc5MG9MR2pRX0ZMMkpMYWlHcGgwdTF6ZUZfdzkzLVI4M2dqXzA3NmpoZUdwZmJfTk9GdHRUY1RIaTJTUHhMYTl2d0U3REV6Y19Oc0lLOTRfVVpYZ1pXVjJwcjRxc1BzSFVveDRfOHZ3S1JtOUhGbmI1M0ZmV3VXcUZoQdIBrwFBVV95cUxOdjJUZS1RRUlFZWM2bjJNdEpFU0NaYVpQaDlQcHJhckFfOVFOMVN4SUd2SEhodVBaN2oxQmttV0NJQXl5QWtCWFJyTGV4M21mV1dzMU5JOUl4SXNXWTlZS2ZQbnVrRjVBTk93VE8zM1o5NXNyVW5wV0ZPNnZ6MjFhd2dJamxxTWRkOGJTSGtnWkd3REhLT1o3MC1hODdwQ2xjVHRxMzZfM29vZm43NE5V?oc=5) · ABC30 Fresno
- 2009-02-27 [Morongo tribe opens credit union - recordgazette.net](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOc1JpZEFLSnRvaTBmMWgtek5VMTczNWNZc1VkMUtCSGtkeGlQNHZIaDdqeGVJYTEyZEg4WGtibjYyT3hySG5BbnNUQ3U4dmZORkVNMEFKQnR2cVRpOERlRVhQVFI5MjBWLWFPR3dIN3BNczNhZkpMcjBObTB4UUFPcTdMN090ZzVTTzVsWTFmN0NtdnEtRVBnX1BBcGpKS2dUdXNPZjM1LUVGQi0xeXBHVHRrXzJxZ3Bj?oc=5) · recordgazette.net
- 2017-01-19 [Financial Partners Credit Union First California Credit Union to Offer CURateReset Products - PRWeb](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPb1VXRGlCcER6dmY2R0pqN0FsTW5pV1NUc3JkMzV5WHJrZDJpX2t4alhRUEdYajFIMmlIVEh6TkFTZkVqRFNiV1FpSG9lV1BTdnplX2hHUUlGSXlrRnFzV255My1RR1A4cFRaRWI0aEpZaTROaTZqcjg1MllOSS1ZbDZYaElGTlc5SzR5NkxEdjRpV3pMLTdEOW5yV3JCVlJvVmVRU25HMEJOcWpfWS1CWHpNeWdQandZSC1NSGVTMWM4REI3VXZZWHJyeENtRUxKS19hZE5qTQ?oc=5) · PRWeb
- 2022-08-10 [Man robs Fresno credit union, gets away on bike, police say - YourCentralValley.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxNTWhrZXdQN01tUlkyNUY3R1Z5UGZuaXQxbVZkMUZ4QXFsNVNnaDRlRVFqOGNyekd3NnlLOTNjQlNwMXRacm1VOE1NZERBc0dHeENETVlFV29QdkllVVRxdmxFd3d6Vy0wUGpKZGVBZGhsV0w1aGdWemFIdTNuanJfa1A1R1dLR3dLYTlCVFZQR3hsSlU4Y3VJY1RCVHRJelVjMXlNU1BRTFh6U0ZQ0gGyAUFVX3lxTE0zX3JjcHNpa2pCaF8tSTVYV0xOVGZ3YUdiTmVDQWNBb1cyUnAyUm1SVXNFOVlNQnNsNUhVRVoyekhyZ3ZwVVZxWXVEQ1ZPdTFtSFUwRmlhU1ZxWTJUU1c2U3ZmZTFWV0hCRXZwSEJBNU1JdHI1aHpmXzRiX3FGMDhOS0VMVzN4OWFXclMtems0ZWlHV0hXUWtiLXBDOEJpemxZd0hFa0IzdFBRLTJaSWN0LUE?oc=5) · YourCentralValley.com
- 2026-07-23 [Members Mobile Launches Mobile Service with Safe 1 Credit Union to Drive Member Growth - Business Wire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNejdtYVFIbEdYLUZuTEdrN3ZiREVxbndreG9WQmItQnM4NE1XdkdzMElSZVZ3bUFNd1NlTU13ZVpPNk5KU3UyYXExV1FmVE84bnNHNkc3X2JWUktIa2VTdVV0dlJGZUhRM3pSTDJFbXR6WjM2cnJKcHJmSG1qN0xyZDEzVGt4T1BPSDFRZFZ1REpCbF9pTWlob0ZPUW9tX1oya3dqaGFhU0pKTjIwd280RWJCSWx2OUhycE5ZZEZKS0dHbVRDc2RJR2hwSGlzM3FBLWZiS0RwazFtdVk?oc=5) · Business Wire
- 2019-08-11 [Paul Weaver Obituary - Fresno, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE43MGFKV1VBZnVnckhNOFR6cTdmNlYtemhWbTFSVWxnN3hycDU3aWlJTHgzQVYycDIwQUxMSXBsbUV1blhNemVZdzJrR0dJZ29aNVZZZU1neUlna09OSlJ2aUZkbTlHN0pybTE0d3VZdGNZUTNUODhxYWdtMVg?oc=5) · Dignity Memorial
- 2016-10-02 [LLOYD COX Obituary (2016) - Fresno, CA - Fresno Bee - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOX1ZZVE9TVncwZmJlMVRlQjF2OEIxUmdmS1JnRklWWVRlV3YyRmtYNXBRMTAzdlhDTTNRZXFVQTdwZ3JtdnM1TjQ1a2pLSUpHdFppU2JjOVBNTnhINkNUdlU0YXNFTFNsV1lNNlR0SzROWTVpY19BbTJLWlJoSGN3Uno3Nm83Wmc0dlE?oc=5) · legacy.com
- 2003-07-13 [Benito Salud Obituary (2003) - Fresno, CA - Fresno Bee - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQcFRJdElqNl83WTBpRGhpOEwtVkVHWE5LZGh6ZG8wQjViY0ZVS2pXWndfd1lQcE1UbElxY2NBZzQ2ZUhpS1htWVhPYU9qLVNma3ZzZmVEZ0l3ZmJycXg5UExsWUExLWJpc2pNVGlMWXdIcnQtenFJYlNEeFNMSlhBajQ5bnNfQlNQeHRTVUJ3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23964 (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/28.json (key "23964", 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=23964
- 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