# FAMILY
WILMINGTON, CA · NCUA charter 24052 · asset band <$50M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/family-24052

Who the members are: federal charter, multiple common bond, organized 1983, low-income designated. 1,556 members of 5,000 potential (31.1% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $8.0M |
| Members | 1,556 (– YoY) |
| Full-time staff | 4 |
| Net worth | $851,111 |
| Net worth ratio | 10.6% (p35 of band) |
| ROA (annualized) | 0.02% (p31 of band) |
| Total delinquency | 0.28% (p27 of band) |
| Net charge-offs (annualized) | 1.99% (p93 of band) |
| Loans / shares | 59% (p55 of band) |
| Cash / assets | 21.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.49% (p88 of band) |
| Operating expense / assets | 6.86% (p96 of band) |
| Vehicles % of loans | 49% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.07% (p32 of band) |
| Vehicle NCO | 3.73% (p98 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 12% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $3,013 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 34% |
| Average loan balance | $5,559 |
| Loans granted, annualized | $3.0M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 2 | charge-offs p90 |  |

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

- 2026-04-02 [Corporate America Family Credit Union rebrands as Alero Financial following strategic merger with North Bay Credit Union - CUInsight](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPcElrR2p2RWNEX2I3d295Y1k3U3hoZzBrNkZLYlpoQXRoeHVPSVVPSWxCVnJuYWc1bV9RLThvNUg2c2g5SlRKb2VTTnRVZXV4YVZzQlpTdFJnYjc4Q3VPUEdiY2Y4dlVtaXowaXZpRWYtemFvRHVUdGRJdGlvQVc4SmJ5SFp3MGdnUVlMbjcxNXVOaDRaTGdxbHdldEhiR294R015cElNRU54RThrMlVtYTJIN08zU0V0cFo4S3NUZGs5NDZXdHpUdHNmNVlGTmE4bGtXTFItcEd6WllUaVVRMF9FVzB0WkltZzB0aG1PODl5UHM?oc=5) · CUInsight
- 2026-06-29 [Eaton Family Credit Union of Euclid thanks members with hot dogs, fundraiser day - News-Herald](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRnYwOTZJX3pXdnFxX3J0alpfTW44NElzZlMyV2YwazdudFd2RDY5MHdlT0t5Zml4aDlpWndQSURrd2V2di1fN0F6YXRyNnM4clpvTmk5b3A1YnEtMzl5aDN3LTV4SThrWHVudmUxQUxtQkVnRVhoNENlM25LazJVYU01NVRJbzhTRXl3SXo1bm1VWG8zUF9HTTd6ejZ4TG92QnJDMzIyc1BFM2pqN2l4YnRZei1EWVh4YU1V?oc=5) · News-Herald
- 2026-05-05 [The 10 Largest Credit Unions In The U.S. - Bankrate](https://news.google.com/rss/articles/CBMidEFVX3lxTFA4ZGZEYmpOV1llV1R3VDk5T1pYcURFb01HcEc0VTQ2RlFfajJfa1UtMi1HRGN6ZDFsaXUzcEVsaDlKZDE5NW9YTkgyWU82V3lWT25sYi1SOXlNSWhlT0p0N1JLbzFKaWJRc2N5dHozMndDbVI0?oc=5) · Bankrate
- 2026-02-25 [North Bay Credit Union completes merger with Illinois credit union - The Press Democrat](https://news.google.com/rss/articles/CBMirAFBVV95cUxNQ3oybk9MNGFfRXk2ZlZ6Z1ViLU0tS2MwYUVSSTVYUEZtSHg3a3B1TUNLaGhhWTFLU1h4V0VCRnNlcjk4WjVNazJDRTVzR21uQnh0X1NiWm00NmJqelZBZGtzaXFEcGx0RExzbHZiaEsyaTZBTk0xNnpuSFlKS05PcjRmbVlkWU92RlpSQXloMV92VDJMRVdwcks1bW41eXVtb0pZNUJGaW9MUUN2?oc=5) · The Press Democrat
- 2026-04-01 [Official rules for The Family Credit Union Financial Literacy Month Coloring Sweepstakes - WQAD](https://news.google.com/rss/articles/CBMinAJBVV95cUxNYVNMSHdOcXR4UHZvTWgzWGdla21CUDA2ejBydzB5Y05pa0JDYWxPUXV0ZVJGMGVuekJOelZVcE5pSnhxeVV0X0RBNkM1OVpqVmhWNG1ya05seE5TaGpLTzRYWTR3dXRQaTUtNWlZVjRHbkhFNGRQTHB1S3pReFo1eU84ZDNOdnRWOXp2WTRFWnREcURRY2trMGtHb0tGd0FZLUxQQXZCbVI2djROR2VPbEFSR0FmNDllcmZTOEVRZUw0U2VaOFJNcks0NktQMHFKRTI0T2VqU0EyQ0p2MUl4VWJadmJPWlc1NEM5TG9zT2FqNUMybjljdDFreGdKTWxEZktqZUV5cUZINlM0Ni1pVEJhVjlzOER0VEQ2dw?oc=5) · WQAD
- 2026-07-23 [Heritage Family Credit Union Data Breach Interrupts Services - Claim Depot](https://news.google.com/rss/articles/CBMifEFVX3lxTE5SbTdYUlRwWE9zUERsU2VhTU9HNTJZR2lfd0ZwTFNISnE3OENpNFczdmFOT3J5ZVhjSEZlNEdtNGhZUnp4M3N4UkxxWnlaR1hMV3FuNXpmS1E5MmVzYVZjTDQ4X0RZdlFDOGlvV1l2YXFSbUxMd1p4S0VNRlU?oc=5) · Claim Depot
- 2026-08-23 [Credit union invests $50,000 in Sunshine Coast Foundry - Coast Reporter](https://news.google.com/rss/articles/CBMirAFBVV95cUxNNkNHSUtNOWhZV1p0dXJpQmRuWUtvQ0x4SVhtc2NhY3NjamJUVjZpazVZaHVRdk9jZjFVZ1ZlNTUtaTB4SDZsRnZENXU0RlNrTFZaVUloYU5kcXZaNFRFc0JHVnJ3bHQ3RFJ0SXg1R0g3UVlSMnJwcWxCalplU1VINFp6bG0wNjFjLUg1SXNEbkN3bFJSTTd3bnBLMzZsaDE0MjhoQ3l4M0dZWDR2?oc=5) · Coast Reporter
- 2026-01-29 [FREE Family Sport Night - Beem Credit Union Unplug and Play Family Literacy Week - City of Kamloops](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNWmQ1a1hOVWRkdnMwMkhYYjA4WExFc21yN0wydENvRENjVzl4UTNNbWJReE9UUG8xRm5NRFV0emJMaUNfaUJOY3ZGbzZFNU5mUlljXzZJcHVMSWVoMEQxbDJ3bEV1RHRVQ1lhcWcxU2FUVXlET2RQSHNFYk1Kc2ZmaTY0Zm5OT2VzS2ZvbmxjNnZJV2JSVjhiZ1JaYzV2clJ0SlNXYnRhNWJuUnJNZUtaVjZmVTVETWwzVW44?oc=5) · City of Kamloops

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24052 (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/52.json (key "24052", 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=24052
- 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