# COMUNIDAD LATINA
SANTA ANA, CA · NCUA charter 24776 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/comunidad-latina-24776

Who the members are: federal charter, community charter, organized 2006, low-income designated, minority depository institution. 2,041 members of 318,000 potential (0.6% of the field); checking penetration 17% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $11.2M |
| Members | 2,041 (8.5% YoY) |
| Full-time staff | 5 |
| Net worth | $2.8M |
| Net worth ratio | 25.1% (p87 of band) |
| ROA (annualized) | 0.82% (p62 of band) |
| Total delinquency | 0.04% (p20 of band) |
| Net charge-offs (annualized) | 1.66% (p91 of band) |
| Loans / shares | 76% (p76 of band) |
| Cash / assets | 43.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.68% (p94 of band) |
| Operating expense / assets | 3.90% (p57 of band) |
| Vehicles % of loans | 89% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 1.57% (p91 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 31% |
| Certificates % of member funds | 24% |
| Average share balance | $2,980 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 35% |
| Average loan balance | $7,731 |
| Loans granted, annualized | $4.6M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | margin squeeze, delinquency rising, members leaving | expense trap |
| 2017-06 | 3 |  | margin squeeze |
| 2017-09 | 4 | margin squeeze |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 2 |  | delinquency rising, margin squeeze |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | repo signal |  |
| 2019-06 | 2 |  | repo signal |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 4 | repo signal |  |
| 2020-03 | 2 |  | members leaving, repo signal |
| 2020-06 | 2 | margin squeeze | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | delinquency rising | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | delinquency rising, loans>95% of shares |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | loans>95% of shares |
| 2023-12 | 3 | loans>95% of shares |  |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 4 | delinquency 2x band, delinquency rising |  |
| 2024-09 | 2 |  | delinquency 2x band, delinquency rising |
| 2024-12 | 1 |  | loans>95% of shares |
| 2025-03 | 2 | margin squeeze |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 5 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2025-12 | 2 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2026-03 | 3 | charge-offs p90 |  |

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

- 2024-10-27 [OC Credit Unions Report Assets Climb 7.7% to $46B - Orange County Business Journal](https://news.google.com/rss/articles/CBMigwFBVV95cUxQNmtoeEctSDRaVVB1YkdoOUhWeTlyWjQzNzVLVnhaNzhzWkMwQlRRb3pTSE9OOG5Gakp1SEFqRkF1eGhPb0hVZmZYVjMzblZ4U2ZFYWVHSWUwZXI4VGNldzhXQS1fMDRzaGNMMGVPYUszTzd6ejBvUkRFdW1NVHlZc1lzaw?oc=5) · Orange County Business Journal
- 2022-09-06 [SchoolsFirst FCU Appoints Michael Faulwell As Chief Financial Officer - citybiz](https://news.google.com/rss/articles/CBMirAFBVV95cUxQYmJyenNsNXB5Rlg2eTdqNUJWZmJRcHZLV2F4RS1KMC1GSFloRVdQMHpHbHhRS1ZqM2lWLWI0QmhiVFB5Ynp4cGNDZ3JGU1YzVnNaUlhWWTAxV1B6czVSSDZZcVRUS3E5YVBfLUhoVzlDS1ZVQzRXaDJENm1Ya1d5LVlGbFJMTmFkUkpZclhsM0YxRnB6TVBEcnprMWNWTUI0MnRISUU1aTBSZy1V?oc=5) · citybiz
- 2022-08-22 [County Superintendent of Schools Dr. Al Mijares marks 10 years with OCDE - OCDE Newsroom](https://news.google.com/rss/articles/CBMirAFBVV95cUxNRXVOc3FyUVpuTWs5VWxrWG42WXpyMDVLVDVVMHJHdnU5eGRYNHVCbHdyUVQzd0VKa0VfYm9IN2NiaWsxNS1hRnNoVmdobDhodnk3WFExTEdSRzJyOVdGNUc4cUpOT1BScUNsYkFOdmxGczI5YU9sRXZkVWp5d1pZRUs4QnN5dk9ZOWRHTTlFanV3MWRzWTBhNnVDSmxRek1XRDNhRWV2Yzd6QUs3?oc=5) · OCDE Newsroom
- 2025-12-08 [OC-Based Credit Unions Grow Assets by 8.6% - Orange County Business Journal](https://news.google.com/rss/articles/CBMie0FVX3lxTE0xWng4czZRaUtTZ1cxVXhkOTNGc3doSUltTnlhdnlXZS1uTE1LeElaWUlSMGU3OVdrNXgyUHRrYXYtX0loTkZDQkIyZXdhOXd6QU1WZjBYRF9DSU5OeUpvamRiYll4Y1dNN2hKRkpaY0VaODhMU1loNllZQQ?oc=5) · Orange County Business Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24776 (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 "24776", 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=24776
- 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