# EPISCOPAL COMMUNITY
Los Angeles, CA · NCUA charter 24506 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/episcopal-community-24506

Who the members are: federal charter, multiple common bond, organized 1994, minority depository institution. 985 members of 4,000 potential (24.6% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 18.

**Verdict on the desk:** this could be *stressed*. Composite score 7 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.6M |
| Members | 985 (-4.7% YoY) |
| Full-time staff | 1 |
| Net worth | $508,091 |
| Net worth ratio | 7.7% (p4 of band) |
| ROA (annualized) | -0.14% (p21 of band) |
| Total delinquency | 2.11% (p79 of band) |
| Net charge-offs (annualized) | 2.73% (p95 of band) |
| Loans / shares | 30% (p14 of band) |
| Cash / assets | 32.7% |
| Borrowings / assets | 0.57% |
| Net interest margin | 4.05% (p57 of band) |
| Operating expense / assets | 4.53% (p70 of band) |
| Vehicles % of loans | 79% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.13% (p81 of band) |
| Vehicle NCO | 3.31% (p96 of band) |
| Repossessed % of vehicle book | 0.59% (p97 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $4,416 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 18% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $10,272 |
| Loans granted, annualized | $1.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, delinquency 2x band, auto monoline |  |
| 2016-06 | 3 |  | losing money |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | losing money |  |
| 2017-03 | 5 | assets shrinking, members leaving | losing money |
| 2017-06 | 4 |  | delinquency 2x band |
| 2017-09 | 3 |  | thin capital |
| 2017-12 | 6 | thin capital, capital below 7%, delinquency 2x band | assets shrinking |
| 2018-03 | 7 | net worth falling |  |
| 2018-06 | 6 | margin squeeze, delinquency rising | capital below 7%, net worth falling |
| 2018-09 | 3 |  | delinquency 2x band, margin squeeze, delinquency rising |
| 2018-12 | 3 | delinquency 2x band | members leaving |
| 2019-03 | 4 | members leaving |  |
| 2019-06 | 4 | net worth falling | members leaving |
| 2019-09 | 4 | delinquency rising | net worth falling |
| 2019-12 | 2 |  | auto monoline, delinquency rising |
| 2020-03 | 5 | losing money, margin squeeze, delinquency rising |  |
| 2020-06 | 3 |  | margin squeeze, delinquency rising |
| 2020-09 | 6 | capital below 7%, net worth falling, margin squeeze | delinquency 2x band |
| 2020-12 | 7 | delinquency 2x band, loan book shrinking | net worth falling |
| 2021-03 | 5 |  | losing money, loan book shrinking |
| 2021-06 | 6 | net worth falling |  |
| 2021-09 | 4 | delinquency rising | capital below 7%, net worth falling |
| 2021-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2022-03 | 6 | net worth falling, delinquency 2x band, delinquency rising, members leaving |  |
| 2022-06 | 5 | loan book shrinking, auto monoline | margin squeeze, net worth falling, members leaving |
| 2022-09 | 4 | charge-offs p90 | loan book shrinking, auto monoline |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 | assets shrinking | delinquency rising, charge-offs p90 |
| 2023-06 | 3 | auto monoline | assets shrinking |
| 2023-09 | 6 | losing money, assets shrinking, members leaving |  |
| 2023-12 | 6 | delinquency rising | losing money |
| 2024-03 | 7 | losing money |  |
| 2024-06 | 9 | charge-offs p90, loan book shrinking |  |
| 2024-09 | 7 |  | delinquency rising, charge-offs p90 |
| 2024-12 | 7 |  |  |
| 2025-03 | 4 |  | assets shrinking, losing money, loan book shrinking |
| 2025-06 | 5 | net worth falling |  |
| 2025-09 | 3 |  | delinquency 2x band, net worth falling |
| 2025-12 | 4 | delinquency 2x band |  |
| 2026-03 | 7 | losing money, charge-offs p90, repo signal |  |

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

- 2023-01-11 [Diocese of New York establishes credit union to expand community access to financial services - Episcopal News Service](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNRTA0OFo5dFZ1M3BUYmlRc2tZSEFIdUZxd3o4bjdxTDhWODZHRFRaS3E2d0Jjd2h3eDQtWDk3MzliWFFPZHBLZm9UTk1OYS1MdkdFYmxQLWhuSmpiNzlrRUVienZId0JhZnV4M2Y0WTY3WEVNUFJtbzd6TGZrRWQ3T1Z4aGdzblJpQzZkS2hsUTA4dTdIVEF1T3BMelhRWElDWEx2bW5LUk9CSUd0U1g4bmxtZUg3d0xQSTZIZGJDMWRzZDNsUVFqUjJGZHJVQ2p4NjlsQQ?oc=5) · Episcopal News Service
- 2023-05-17 [Expanding Equitable Access to Citibank Branch ATMs - Citigroup](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQVzJ1RVB3ZTZweWtSYWwwLWNBSjgtV2pha0ZWZEI5aVd4WGtjVE1PNTBkREw4NXZzNmViOXk1dnFnOGRmaDJ5S1dndlVWUGNMVmRkNVNhMUkwdkVMc1VRVkNhQkVRWVhkX2RxaW94TXV4NnprUy1BdUJsZ21KMFVQU3FBV3hlMXFkajZETHIwTWRFS2dCTG1oRWV2YnJIOGFVQ3k5V1pJUDdTZw?oc=5) · Citigroup
- 2025-11-24 [RIP: Bishops Joe Burnett, Chester Talton - The Living Church](https://news.google.com/rss/articles/CBMilgFBVV95cUxOMnNzNTVqTVRaeGp4T0pTb0RBSzBVcmIwNE5SQ1I3SnRlb1k5X0lodGdOSkg3Wm9TS2ZjeWIwYWdrQ3EzOU1JN054V3N3dk5hMG5uTHU0UUFKTG1oUlFBOWtsdnlFbTYtSVcxak5QZ2pEZWQtLXUtVzlMWmxkNGM4NGtPUm9pZVlYU2tjZG5SZE5mNEoyUGc?oc=5) · The Living Church
- 2026-04-01 [Community Development Financial Institutions: What and Where They Are - NerdWallet](https://news.google.com/rss/articles/CBMingFBVV95cUxQeHIyZG5ZOXZPZHZjbWN1V3RPM3BfU2JfbnZqT01YenRjblFSYkJveHhWY29yaXlHeVpBd25ZV1dSZDdkZWhyVzVBbGtSYVIwaWhIbDUxXzVmZlNwc1VGMzk1YU5ZZDFpYndFWDliZVkxNnhGcjNzYnROeFNGLUstY0pQMlNPcHJQWUw5X0xvNFI2dGhmSXgyZ05GNEhBUQ?oc=5) · NerdWallet
- 2025-11-21 [RIP: The Rt. Rev. Chester Talton, retired Los Angeles bishop suffragan, dies at 84 - Episcopal News Service](https://news.google.com/rss/articles/CBMivwFBVV95cUxNUW5ZTk5RNXpmaWtUZndBOGRMUzZ5RGI2dDB6SkVSUzRGLWRXczBRWkJjNjkyeWJITmRXSVNtaU9UVWp3c3R4MWgxRXZBc0d4dS0zbGs0Z3NUVjlhZnkwSEtGR0ZVdDdBWDdUTmpjMkRJNHZjYlJQY1NwOEdWZlVLZGtac0hzYVZiR3pyTTZOYnl0enBuckJ5UHpFakIweTVvenJSdHhtRGtsNTYyN1YxSmlZeEJiR0FVV09HTkRKSQ?oc=5) · Episcopal News Service
- 2022-12-15 [A safe haven for homeless people with addiction, mental health issues - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQT2pmMjVyTUlEaUhobzMtTEoxTHB5SVJOaVdNXzFmTjNwWEpZal93ZHNCV0VFblhDbko2S2ZCRDllekgtaDhWLXctS0E1VjFWSDNDOXNKVlBfZXc4aUw4UEtqbnQyeC1naEFFbVdnTnRlV1lQRWR0VVh2SjVoMDRnaEVCLU1ydTdjOEhVVlhaSDBfX0NxY0Ewc0RIUE1kZTRMQy1GRlB3LThhQ3dkVlFuZVhseGVsZld3T1d5VTBhY2M2dkw3aGc5SEVTVmlaWG5YWVZZdVVqYzY?oc=5) · San Diego Union-Tribune
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24506 (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/58.json (key "24506", 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=24506
- 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