# SANTA ANA
Santa Ana, CA · NCUA charter 24520 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/santa-ana-24520

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated. 5,368 members of 50,000 potential (10.7% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *fortress*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $112.5M |
| Members | 5,368 (1.9% YoY) |
| Full-time staff | 15 |
| Net worth | $14.6M |
| Net worth ratio | 13.0% (p67 of band) |
| ROA (annualized) | 1.53% (p88 of band) |
| Total delinquency | 0.00% (p1 of band) |
| Net charge-offs (annualized) | -0.07% (p2 of band) |
| Loans / shares | 69% (p48 of band) |
| Cash / assets | 11.4% |
| Borrowings / assets | 0.89% |
| Net interest margin | 3.08% (p18 of band) |
| Operating expense / assets | 2.35% (p10 of band) |
| Vehicles % of loans | 23% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.00% (p3 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 22% |
| Average share balance | $9,332 |
| Participations bought / yr | $12.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $13.2M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $19,636 |
| Loans granted, annualized | $25.5M |

## Participation posture (from the same filings)

Bought $12.4M and sold $0 in the latest annualized quarter; $13.2M outstanding purchased (90.1% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 4.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 0 |  | thin capital, delinquency rising |
| 2017-12 | 2 | thin capital, members leaving |  |
| 2018-03 | 2 | delinquency rising | thin capital |
| 2018-06 | 2 |  |  |
| 2018-09 | 0 |  | members leaving, delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 1 | delinquency rising | net worth falling |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 0 |  | delinquency rising |
| 2020-09 | 2 | net worth falling, margin squeeze |  |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 5 | thin capital, loan book shrinking |  |
| 2021-06 | 2 |  | net worth falling, thin capital, loan book shrinking |
| 2021-09 | 0 |  | margin squeeze, delinquency rising |
| 2021-12 | 1 | thin capital |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 0 |  | thin capital, net worth falling |
| 2022-09 | 2 | delinquency rising, members leaving |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | members leaving |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-09-08 [What you need to know about the Carter Credit Union data breach settlement: Claim your cash payment - Claim Depot](https://news.google.com/rss/articles/CBMiakFVX3lxTE1aQ1VpTTNRaUhYY3pESXFsclZmSFBiZGRnaDFhUEtUd0VteU05Mjhld2NUWVlRMENCOVM2eDczNlBId0RMUkROeWJPTVgzYTMtUmphS0o3eTZqV2Y0RGFGVllKUjd3WmVacXc?oc=5) · Claim Depot
- 2026-06-15 [SchoolsFirst Expands in Southern California - CUTimes](https://news.google.com/rss/articles/CBMihgFBVV95cUxQZ0xyYnFHM2U3WDVmYkRPZDBlVVFRNzVBNkJjNnVERlJEN2d5NWFVRGZUWU52UFBZd0FDcHhYblBLd1lxS3lUNzVfR18tQXFqVU5pQ19IMGV1cXJOQTd3TF9ta0oyLTJnUmE1OHZqc1ZRcXprMHF1YXVTUXYybHZTdWtSd2I1QQ?oc=5) · CUTimes
- 2026-06-08 [2026 Power 100: Shruti Miyashiro - wbjournal.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE1CRWphd2ZsSlJuNEh0THFhUFhHSXVUclcxbnVSeWFZWVZaOTV1MFhCOTJVZ3Yyd0VqTzItUnZIVWIyT2tVcENpb1UxQkhockpJOFdBYmhheFhUODFQZThfdzhwdVdsaHFQVm9RMjd5OA?oc=5) · wbjournal.com
- 2026-07-16 [Stanford Federal Credit Union settles banking fees class action for $450,000 - Claim Depot](https://news.google.com/rss/articles/CBMiakFVX3lxTE1JSE5pRkkzQ3JUTmstVlVGbzRVV2NTdEh0QWp1R2tmX0hwN0RYMlRORHVyU3lUQWVha1lSZ1E5blVFeV9GWHJOWlpTNnJXdFBpSWV6V2ktZERMS2h2QmF1TVVuQjQycXZRSUE?oc=5) · Claim Depot
- 2026-05-11 [What to Know for Yellowcard: The Up Up Down Down Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiXkFVX3lxTFA0QkRUeVVRLXBZcHp1T2pYakN5UFpONEx4ZHBKOFNwZ0Nxa1hLcm5tckxJcVNacjVSUTUyNFFibXBlZnlEcHF6eGtHbzktdmNRblBrSldaTWFjREwtOGc?oc=5) · Ticketmaster Blog
- 2026-02-11 [Man Stole $400K From Boot Barn, Prosecutors Say - Patch](https://news.google.com/rss/articles/CBMijwFBVV95cUxOTXdoVE91MTFDS256SEx6Um9ZMHhGcHA0dUdwOGlFOFFiYjFVVHNzM2twODZSTTBSNDJlMjV3b0hFS2xDbmNLUDBjQ1FndlpRaWVmU29yQ0pYVXlObEN0ajF6WEQ2MkVJTWg2aTZqdkJsYWY5d1VmRHBHMkd0MXBWc0lTbFVZUENVVWwzbzNUVQ?oc=5) · Patch
- 2026-02-18 [National Association of Latino Credit Union Professionals honors SchoolsFirst Federal Credit Union president Jose Lara with Legacy Leader Award - CUInsight](https://news.google.com/rss/articles/CBMikgJBVV95cUxPbnRFaWdyTVNwRXBDWUVrZkpSVXRmTElvZHNGclc2U3ZOX0pITlh1UGM0ZzlEQVdiYzBrelFXSFBmZEM1em9NRS13b1VTLTM5d29yMDVxMFRicHJJQ3R5NXpETkdST2diMzI2SnBKOWV6OGRvZ1Y2TGk1ZkRFMDVBcTJqRDZVbUNxV3Q5WkdLWXpMbHlOYXRGRHVWX3lJMjlEaExMa3kwMkJMTzRJaUJnNFFiVk1aYkNIVGxFbmUtWm13WGR1SUlEN21uMEhvcHoxZXFLQ29KcUdEQmRJZnBSd280MWxlcGVhTnMzWll5V3RZY2NVRERsWkN2aFh0dkdlckVEX2d1WVUtek83LVlXRUpB?oc=5) · CUInsight
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbG82S28tWDRWcmVTSGtHM1A2ZDRvTjlrTUJGLUxudnBZSlZwNG5uSk12eFQ1M09ULTYtTFVaU3FJeFlEam53MHZqSDV5ZDRTUk9zRUJEVHBBbzVpRUxnV2s0VXFkc0lzZUxXS1A0YWZHaVMyNXE3Wm5RdG1qX2dBclE0cE5TaDZibmpuVkpiM3diUQ?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24520 (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/8.json (key "24520", 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=24520
- 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