# UNION YES
ORANGE, CA · NCUA charter 24131 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/union-yes-24131

Who the members are: federal charter, multiple common bond, organized 1981, low-income designated, minority depository institution. 24,967 members of 174,769 potential (14.3% of the field); checking penetration 6% (share draft accounts per 100 members); loans per 100 members 6.

**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 | $96.9M |
| Members | 24,967 (-0.8% YoY) |
| Full-time staff | 13 |
| Net worth | $7.4M |
| Net worth ratio | 7.6% (p2 of band) |
| ROA (annualized) | 0.65% (p46 of band) |
| Total delinquency | 0.09% (p10 of band) |
| Net charge-offs (annualized) | -0.01% (p11 of band) |
| Loans / shares | 45% (p22 of band) |
| Cash / assets | 57.4% |
| Borrowings / assets | 0.77% |
| Net interest margin | 3.52% (p42 of band) |
| Operating expense / assets | 3.40% (p45 of band) |
| Vehicles % of loans | 45% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.13% (p19 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 31% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 7% |
| Average share balance | $3,227 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $396,431 |
| Loans outstanding per 100 members | 6% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $27,477 |
| Loans granted, annualized | $5.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $396,431 outstanding purchased (5.4% of net worth), $930,905 sold and retained. Sold in 2 and bought in 2 of the last 8 quarters. Shares 6.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 3 |  | delinquency rising |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 3 |  | delinquency rising |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | delinquency rising |  |
| 2018-09 | 3 |  | delinquency rising |
| 2018-12 | 4 | delinquency rising |  |
| 2019-03 | 3 |  | delinquency rising |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 1 |  | capital below 7% |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 2 | margin squeeze | delinquency rising |
| 2020-09 | 3 | delinquency rising |  |
| 2020-12 | 4 | leaning on borrowings |  |
| 2021-03 | 4 | capital below 7% | delinquency rising, leaning on borrowings |
| 2021-06 | 3 | delinquency rising, members leaving | margin squeeze, capital below 7% |
| 2021-09 | 5 | capital below 7% |  |
| 2021-12 | 1 |  | delinquency rising, members leaving, capital below 7% |
| 2022-03 | 4 | capital below 7%, losing money |  |
| 2022-06 | 5 | delinquency rising |  |
| 2022-09 | 3 |  | losing money, delinquency rising |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | assets shrinking |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | capital below 7% |
| 2024-03 | 4 | capital below 7% |  |
| 2024-06 | 2 |  | capital below 7% |
| 2024-09 | 5 | capital below 7%, delinquency rising |  |
| 2024-12 | 3 |  | capital below 7% |
| 2025-03 | 1 |  | assets shrinking, delinquency rising |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

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

- 2020-02-03 [A Philly Ukrainian institution has stood strong amid Trump's impeachment - Inquirer.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxORm13UjdOcTBFUU9rSF9DRnlwNWFmcnZjaExuLTZLUXhONGRYVThldXdEYm5pWlFzaDZFNk5lSnV2aHZtcGlTYzUxaHVfbmpLeVQ2U3I3RGpWYTQ4YnptWkY1eHcwSzVhVTJzMzhnVEwxcW83ZW96ZlByRGZNUWJnNTh4cDFYWkoxUnFkeFZwWnZFR1lKdXQzUFJKNkc2YWZmYzFzRUcxTS1nVFdudXdoempUVXEteVRadlIwZ09ydw?oc=5) · Inquirer.com
- 2010-06-29 [Vons Credit Union coming to Hesperia - Victorville Daily Press](https://news.google.com/rss/articles/CBMimwFBVV95cUxNYzJrejhIQTFzZW5HTnhHaU1WWTZucEhIamg2TC14d2V4NTNfUjJZdXBxc2FIUTBvSDIweGFQXzJ3cU1XOV9YXzlBWnpjTWVPUUExdXZDYXJrRjdXc0dHZ3RNVURJWFlCRmF0eGItZjJoaVFMUVFweE5GRnNYYnVzOUM1WXl4NHpGNjhZc2VLVWE5elFyeHRUeFNDcw?oc=5) · Victorville Daily Press
- 2022-08-16 [Brock Bowers on his rapid rise to stardom for Georgia and settling into SEC country - Online Athens](https://news.google.com/rss/articles/CBMihAJBVV95cUxOQ05mSVhvTDdYSWZkOENIaVRqWlYxU0pmUUZWdE9LRzR4UVJNOW5mTF9TSml6a2Rxd0NYZC1tSzQwNWMzaFhxTVFrdGVjNy01WEluREhCV2F5MV9ZdDNiZnlXUVZhQXVkLTNXWWcxSHptczFidW5JWWRneVdhRGotY1RMM2ZxZ19iMk4wRTJuM1hMQUxFd0RGS0cxVXZMRGVhb3Fwd0lDWDJ4c21jdkVFMjJsWXFkUGw4dnlUOFB3RUNpNUZCQVNXdG5rWEpRSzlpWkM1UW1nYzdWQ3M4S2Q1d1RmOF9SSlVxeUpRY3pEZWFoVW4zaDc1N2xoMzBJTHRvTFBXOQ?oc=5) · Online Athens
- 2024-06-07 [Nick Monios Obituary - CA - Press Telegram](https://news.google.com/rss/articles/CBMic0FVX3lxTE92bXFrajE4TmotMnc4MDlEeDRZOHZxVWVpQWQzbzdnQXdUQmZ3aE8yV2JXdkdfTkpJeWFTWGl3VkJEdGJ3b2NmaHRRUHVfRVZVOTRscFVfbFRWTVdnMGp1Z2ZPcENZeVdxaDBYWDc5TC1ITzg?oc=5) · Press Telegram

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24131 (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/3.json (key "24131", 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=24131
- 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