# THE FIRST FINANCIAL
Pasadena, CA · NCUA charter 24875 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-first-financial-24875

Who the members are: federal charter, multiple common bond, organized 1974. 33,009 members of 1,000,000 potential (3.3% of the field); checking penetration 88% (share draft accounts per 100 members); loans per 100 members 79.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $746.5M |
| Members | 33,009 (-1.8% YoY) |
| Full-time staff | 116 |
| Net worth | $51.5M |
| Net worth ratio | 6.9% (p1 of band) |
| ROA (annualized) | -0.01% (p6 of band) |
| Total delinquency | 0.48% (p37 of band) |
| Net charge-offs (annualized) | 0.84% (p81 of band) |
| Loans / shares | 55% (p7 of band) |
| Cash / assets | 3.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.20% (p31 of band) |
| Operating expense / assets | 3.75% (p60 of band) |
| Vehicles % of loans | 24% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.44% (p37 of band) |
| Vehicle NCO | 0.17% (p11 of band) |
| Repossessed % of vehicle book | 0.09% (p61 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 24% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 27% |
| Average share balance | $9,065 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.6M |
| Loans outstanding per 100 members | 79% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $15,246 |
| Loans granted, annualized | $72.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.6M outstanding purchased (5.0% of net worth), $4.0M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.9% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2017-03 | 1 | thin capital |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 | delinquency rising | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 5 | charge-offs p90, assets shrinking, loan book shrinking |  |
| 2020-06 | 3 |  | delinquency rising, assets shrinking |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 7 | capital below 7%, net worth falling |  |
| 2021-06 | 7 |  |  |
| 2021-09 | 3 |  | loan book shrinking, capital below 7%, net worth falling |
| 2021-12 | 4 | loan book shrinking |  |
| 2022-03 | 2 | losing money | charge-offs p90, margin squeeze, loan book shrinking |
| 2022-06 | 2 | charge-offs p90 | losing money |
| 2022-09 | 2 | assets shrinking | charge-offs p90 |
| 2022-12 | 3 | leaning on borrowings |  |
| 2023-03 | 3 | net worth falling | assets shrinking |
| 2023-06 | 2 | losing money | leaning on borrowings, net worth falling |
| 2023-09 | 4 | delinquency rising, leaning on borrowings |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | assets shrinking |  |
| 2024-06 | 4 |  | delinquency rising |
| 2024-09 | 4 | net worth falling | assets shrinking |
| 2024-12 | 5 | assets shrinking |  |
| 2025-03 | 4 | members leaving | leaning on borrowings, assets shrinking |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 6 | capital below 7%, net worth falling |  |
| 2026-03 | 5 |  | members leaving |

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

- 2026-07-07 [$1.2M First Financial Security data breach class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNZFYxQ3VLbU84d2xVTzM1RjFTVGJCOVBNdWdKSk56SzAtcF9ZX0NIS0dNdWlEYzhxdUZCYkgzSjd6U0JielAwNEV1NlZ5VFpZbGk5cFVpNWhfNHRTOEhERVhYWHg5aklmdVdaN1dvZ1J2VGhXVVZRZWVMckFLZmZtRVVrTlVzOEw0TTY2bk1yZHJoRFhpUzlSVHB1REhRalBEZ1FkRlBrUlVvQkVsYS1USUF0X3BhMDlQNXNHZVJqekZPNWUxcFF5YjBKMndFMkNwNi04cGZ3?oc=5) · Top Class Actions
- 2025-07-14 [First Financial Federal Credit Union promotes Julie Brandt-Olivier to director of lending - CUInsight](https://news.google.com/rss/articles/CBMiygFBVV95cUxPNkNndEVxcEpCSlczTUEwSWtUYmpWOE1CLVhTdXk5SDFHbnZkcVlLU3NERVFFdXp4Z09MemlTSnp3ZUlpVXcyRHRocWp4MDk1VVFiMkoxYmJjaVZFdFJTNkV3emlZT0FDTTRPZG00elJXYTFpdFltUjhaQzFNbTU2Wk1pSTRkQlBqTHRZeGhtQndsLTg0T1ZVeHFYVlViNWgxYng3WUJlV0wzN0JjMlFWaUQzaHpQT21JMExoZG1xd1NaZmxrZ0wxQUZR?oc=5) · CUInsight
- 2025-04-14 [Renton's First Financial closes $229 million sale to credit union - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPdndGRTNIRUpMeGhQYUVzRUFhT3NoQ0RxdWhvX1p5UENyeDRaQTh5UVh0RlV1TklDVkpvQi13eURod1VGOS1jODBJcmNtR1I4YTZqcW1mdTM3OXQzN1hBUzVOMFE5NmxLVzd1SUFtTmhZeGNVMmZPYXZhQ29FT25faG1lZEg0WkhFb09teTNGNGQ2TXhXSkxxN3JUWWxzRW9EaG1vaA?oc=5) · The Business Journals
- 2019-11-24 [First Financial Credit Union expands to Las Cruces - Las Cruces Sun-News](https://news.google.com/rss/articles/CBMiugFBVV95cUxNMnhWaEtFWjRGdDdiSks3anNBbHZWb2kzcS1vTUFCM09hbW9DTkxjZ2dZb0hnc0w4bDZlWDgtTWV6dWRNR0ttSFBreFhReWxaVEpnV0wyQjNhRGlvRFNPWmRsRXBGQktSZEZ1bkR1NkEzQ0YzR3JfUzkwSEhQTVFJdnpEc2tHbU5oT1VUUHdYV29zVmNLcWVLU1NsRENWcWRyanJQckJ4M0RCVGZPNDZUWFJldHNiODVYVnc?oc=5) · Las Cruces Sun-News
- 2022-06-17 [NEW MEXICO UNITED ANNOUNCES LAUNCH OF FIRST FINANCIAL TRAINING CENTER - New Mexico United](https://news.google.com/rss/articles/CBMitgFBVV95cUxPQ213dFltUDB0OW1ZTUNfcmw5UGN4bWRIbzNuNjlTOGpYbkh6U1JTLUd6Z2R5ZnZtMEpRei1JendtZ2tTZDZvMTRfeXFQZEFxX3F6UEltRFlOLTY0VDNKd3RLZ2pYSXZ5R19kYlZkM1hzVS1uTGI1U0lvcG8xT1hiR2ZYNkoyQ3FrZUZGYVZra00tQ0VGc3paelBUYlIyOXBNNWdKUTh5Qzk5Q1NLTEYxejdRclBDZw?oc=5) · New Mexico United
- 2026-06-10 [Vancity expands its reach in sustainable investing with Global Impact Fund and Global Low Volatility Fund - Business in Vancouver](https://news.google.com/rss/articles/CBMikwFBVV95cUxQNV9kWFYzd2tzVTR1SUR2b2RZRzF1OFVTdjZZMU1od2NSbTlWcDl0bmx5dFZfUkNscnZSZGdiRkloWTJpdHAwRmJ4ek1HZmRCNmV4angtdnhmWHBBV3BIeHJOZ2xHZHlETWlSSm5iaTdtNklFMUNaU21hLXhuTVlYLW9MaEpQcXNnOHI1MmpqSU01M0k?oc=5) · Business in Vancouver
- 2018-10-30 [First West Credit Union Becomes First Canadian Financial Institution to Offer SendGlobal™ Digital International Money Transfer Service to Their Members - PR Newswire Canada](https://news.google.com/rss/articles/CBMiqwJBVV95cUxQOHFDZ1dYRkZ5eUhvSW91alVxT1dsa09VeERZejBYZzh1LUZXUjFBZ3RKWVBUbnRabWlETERzdVZydnRpby16NlFZUFJyZW41a0c1OUhxOVltMjJMM1RaRTkwQzdBX25vX25YcW0xNUN1b1BnR1pmdmFUakV4QnNtTGtDWWtwZjIyZ3VlQ0ZKaGhjaWppZGVWd2d1eUZ3RFVFbUZjNGhPNUNzVElBZHE3Y2g5MjRVdEpDOUZ1UkNCdk5ZbllBczl4dnF1NV91VGxaNTQxM1M4aXhaMVlac0xFSkZydzk4bEZBMVpqb3Y5XzhiTk5qalhSbWV2dWotWEF0Z29YVFQyeFA0ZXgtdGdFOWNBU0ZBYkdtTF9mVmN2R0JxRndhbm1DS21jMA?oc=5) · PR Newswire Canada
- 2024-05-03 [First Financial Credit Union data breach $1.6M class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMizgFBVV95cUxNczN2SGtVVlZZMi1TY24xUC1IRzBIM05WSVNlcFg2emI5VGxwb0k4Wk5hTU1mUm9Ya0dUX2FYZVRsYmZlRk9weEF0NG45TnY0M3dkMHB4dWtpaHh6ZkYtSF9vNG1ldjUwTVlQTGk5TllMcDg4QjdYa2I3VV8yZ3hHZUVTLTM0bVExZnZXNnBVUUtDcUpqZzN5SlVxZ2E0Uk1GZGN3bno2SG9tWm80YXlEdWJ2czJrRHlLUXJ6TWtNUWZONG5oTGVYUktBbm84dw?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24875 (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/43.json (key "24875", 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=24875
- 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