# CHEVRON
Concord, CA · NCUA charter 24326 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/chevron-24326

Who the members are: federal charter, multiple common bond, organized 1935. 140,127 members of 703,556 potential (19.9% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 32.

**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 | $5.44B |
| Members | 140,127 (1.6% YoY) |
| Full-time staff | 345 |
| Net worth | $628.0M |
| Net worth ratio | 11.5% (p66 of band) |
| ROA (annualized) | 0.55% (p36 of band) |
| Total delinquency | 0.37% (p22 of band) |
| Net charge-offs (annualized) | 0.22% (p17 of band) |
| Loans / shares | 85% (p45 of band) |
| Cash / assets | 11.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.59% (p2 of band) |
| Operating expense / assets | 1.48% (p2 of band) |
| Vehicles % of loans | 4% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 3% |
| Third-party paper % of net worth | 134% (p49 of band) |
| Vehicle delinquency | 0.53% (p45 of band) |
| Vehicle NCO | 0.42% (p13 of band) |
| Repossessed % of vehicle book | 0.10% (p60 of band) |
| Real estate % of loans | 82% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 14% |
| Certificates % of member funds | 37% |
| Average share balance | $14,890 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $18,769 |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $90,119 |
| Loans granted, annualized | $715.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $18,769 outstanding purchased (0.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | loans>95% of shares |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling, losing money | loans>95% of shares |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 2 | loans>95% of shares |  |
| 2019-12 | 1 |  | losing money |
| 2020-03 | 2 | losing money, delinquency rising | loans>95% of shares |
| 2020-06 | 0 |  | losing money, delinquency rising |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | net worth falling |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | margin squeeze | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | margin squeeze |
| 2022-06 | 1 | 3rd-party paper>100% NW |  |
| 2022-09 | 2 | loans>95% of shares |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 5 | losing money, margin squeeze, delinquency rising |  |
| 2023-06 | 3 |  | losing money, delinquency rising |
| 2023-09 | 4 | assets shrinking |  |
| 2023-12 | 6 | losing money, delinquency rising |  |
| 2024-03 | 2 | net worth falling | loans>95% of shares, margin squeeze, assets shrinking, losing money, delinquency rising |
| 2024-06 | 2 | loans>95% of shares | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | net worth falling | loans>95% of shares |
| 2025-03 | 3 | losing money |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | net worth falling |  |
| 2026-03 | 2 |  | losing money |

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

- 2026-09-01 [Best Credit Unions of 2026 - Forbes](https://news.google.com/rss/articles/CBMiakFVX3lxTFBOaDBEWE9fLUJGRTZsVUVkSUpuS2hYVDFJdTVveUd3Z1YyY043ZXVuQWQwbXpTUlh0Q2FIZUxfTnFzNWUwSlpuS2Vrby16ZXIzNmdtbVdmRVdwQlVkZ01JUkZmN2tFQ1E3Y3c?oc=5) · Forbes
- 2026-07-29 [Chevron FCU Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMia0FVX3lxTFBQTGpNWjJoWjRSblplRjlxaWFOeU5qY2NBQVRwS0FhUHZGWFM2ZWtwSDRNVWdJS1dpQnRDaVc0VzFQOU96cThVN1poT1FXWHRNcjdKQi1NUTJNbkstYkF2NktkVjJIeDVJT2hV?oc=5) · reveliolabs.com
- 2025-12-01 [Peak Credit Union selects Michelle Anderson as Chief Growth Officer - CUInsight](https://news.google.com/rss/articles/CBMirAFBVV95cUxNQUxIdWVqZGsxX1NEbXQtYUpjUGt0YzJkN011YXZYTzVhZi0wa0NMSzJ6X0Nid1F3V3hPaV9rb2hyZ0NEOWw2RnBwNjBKZ1NhZU9UWUNLaTgyZGx2LVEzbEt4LVFfT0Q2YXpzNjA5LUZoM3gzcnA5dnA5c2MwZXVjQzJsWGtZZk5JRTZzRVNsN2g0WFhERUtRLV92WHVRaEpFb1o1a2RVcmJWN3B3?oc=5) · CUInsight
- 2026-06-01 [These Savings Accounts Will Pay Your Kid 7% APY and Higher | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMingFBVV95cUxNclFvRVJLRmFDYW5GU2VjRnZBT3c5Uk9jWllqXzBwbXJ6WXNULTNFVnRub3g5Y0daaXppQVFDTWdEUXQ3cmtCSzl2a1N5cW9XY0VSZXJUT3ltMFE4WS15S19VeWkxaGhrUlFnOTN2TC1PZnNmbVc0c0xEMG0tUVpQTFd6OHctNktiZmZpaldvaTd3RHc1TFN5QU5oS2xFUQ?oc=5) · U.S. News & World Report
- 2026-06-24 [Shell Federal Credit Union giving away free gas to drivers in Clear Lake area this morning - KHOU](https://news.google.com/rss/articles/CBMiywFBVV95cUxNYXp2Y0ZsQ1BDUWpLbmw5eEtLd2hBeTlnbDBZcXZtdXd4X2VuRnI2d3VCcDRDWlZlTGtla3NBbERJaVlfTnRXSEZnMlVsdV94TTJRUS12RHVqRkYyOUtzMm5Ed3pCSlo3MS1qNUxydVJ4a0hTMUpLNDYxWGtraXFnd1FGV1RCNXhwSEp2LXdJaTNvcXR6ak1PVVBHWnk1Y1lPOEtTVUFvRWFhTTRxT21qT3Z5MlV0M1ZEWktVZTNuV05xZVV1NW1GSEIwUQ?oc=5) · KHOU
- 2023-08-29 [Chevron Federal Credit Union Files Notice of Data Breach Affecting Over 90k Consumers - JD Supra](https://news.google.com/rss/articles/CBMigwFBVV95cUxNelFHUGNZcDlJNFpsWVdmT1k2S1otbGo4Z19Ob1lGUXphc1dHR0U3T0FxNUZMR3BmVWJmb3BJdjZ6cGxzZnZUbkQ5ZW1HTGVBZ1lLMzBqXzNsY19wYXFsa0Y0TS1OUnYwcWI5ZmtKeVE0aFhLaVZma3hvNmk3NklzVWxVNA?oc=5) · JD Supra
- 2025-09-26 [What is Elan Financial and why is it on my credit report? - creditkarma.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQSXZZSHdSN3JBZFJUXzJGX0d1Snh0aHpBdlBsX1VXR2tiQnhPWnZMMjRvd21BcHVYSjlham5xS09pOEJkSDZTcnhvSU9WWjZGc3RGUFp0Vy1xT0lmY1NjOEFqYzBuaEtyLXpiSXJtdE5uaDR6RkVOaTBHRFdFX2pPSjNKaFR2ZGUx?oc=5) · creditkarma.com
- 2025-01-31 [Best Savings Accounts for Kids and Teens for September 2026: Rates Over 10% - Investopedia](https://news.google.com/rss/articles/CBMie0FVX3lxTFBFbWctQXFmY2VuQ2taRjRpRl9SQ1lXS1lLNnh4TDN6S3RCX1VET2JKV2hlWDVZZkstdUtCSFFhYmVzUTFodUJ5ZHpNWUVzaWpCUVZmcjlQNjRnS2MwY2xXeTRfM3NUYktFMXU3S3BTZmZQZnBORExZNXc2cw?oc=5) · Investopedia

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24326 (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/6.json (key "24326", 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=24326
- 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