# I.L.W.U.
Long Beach, CA · NCUA charter 24916 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/i-l-w-u-24916

Who the members are: federal charter, multiple common bond, organized 1972, low-income designated. 30,315 members of 105,722 potential (28.7% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $601.9M |
| Members | 30,315 (9.1% YoY) |
| Full-time staff | 81 |
| Net worth | $56.2M |
| Net worth ratio | 9.3% (p27 of band) |
| ROA (annualized) | 1.07% (p77 of band) |
| Total delinquency | 0.49% (p39 of band) |
| Net charge-offs (annualized) | 0.36% (p43 of band) |
| Loans / shares | 73% (p29 of band) |
| Cash / assets | 15.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.55% (p57 of band) |
| Operating expense / assets | 3.65% (p55 of band) |
| Vehicles % of loans | 30% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 7% (p19 of band) |
| Vehicle delinquency | 0.37% (p30 of band) |
| Vehicle NCO | 0.62% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 24% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 37% |
| Average share balance | $8,743 |
| Participations bought / yr | $14.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $15.9M |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $20,195 |
| Loans granted, annualized | $87.3M |

## Participation posture (from the same filings)

Bought $14.9M and sold $0 in the latest annualized quarter; $15.9M outstanding purchased (28.3% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 16.7% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | thin capital |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | delinquency 2x band, delinquency rising | margin squeeze |
| 2021-12 | 1 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | leaning on borrowings |  |
| 2023-03 | 3 | net worth falling, delinquency rising | leaning on borrowings |
| 2023-06 | 3 | leaning on borrowings | net worth falling |
| 2023-09 | 4 | delinquency 2x band |  |
| 2023-12 | 4 | net worth falling | delinquency 2x band |
| 2024-03 | 3 |  | leaning on borrowings |
| 2024-06 | 1 |  | delinquency rising, net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | thin capital |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2024-11-08 [Monthly Bulletin – October 2019 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTFBFZVhITk4xeGhBNkxRUG9WRGcxaUZsX3dsQVJZRWJ2bFROTXYyX1NxekZWaEpWN0U1XzRnaUpFU1FwT3hlRUY3bXBZNnZ5Ynhfd0RQY0pxel8zZnZTdzV2dmZMSGh2Z1l1RW1mcFljOFg0SS05MjRJSm90WWlBZw?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2021-09-19 [John Ashley Coleman Obituary Sep 19, 2021 - Diehl-Whittaker Funeral](https://news.google.com/rss/articles/CBMib0FVX3lxTE9uZWNUOGhnRUE2ZUpOLXZoTUgydmRGTVBlTGNONjYzVVZndEV4bmN4OWlLTXQxWUZBN0w2RVB1OXdJYndETUpNX1lUZkRXcmdmVTc4Z2RXN2F0MmFObDIyd3RsUTc2bENNXzNhOGIwTQ?oc=5) · Diehl-Whittaker Funeral
- 2023-10-26 [How a 4-year-old captured the hearts of the ‘Lords of the Docks’ in the ILWU - Daily Breeze](https://news.google.com/rss/articles/CBMitAFBVV95cUxPamdXTi02dXhQUnpiOHFmRm1KUllROHF6cU5HRUU3Z05FVnZEdDRfc3A2RE1tdG9TME5MTnVzTjIzc2Jlb04zb0dwOGFwV2NSVWExdEFUeFB3bDI5NkpoNlBDSGFWblBaOFJtM2VEX3dJOWVFUWlRbXFPSHc5djNLSW9FVkxQNGdrSlZUaWtxdHpnY0VyTno1NzNUOFVtQTNZM3BCbFVHeUxSWTAtcGljTk1IQ0w?oc=5) · Daily Breeze
- 2010-05-18 [Settlement Voted Up in Boron, Calif., Lockout - labornotes.org](https://news.google.com/rss/articles/CBMie0FVX3lxTFBlX3VBWDBJczhaMUstTXEzR1hvcnhUYWdzRWl0QURsU29pa2JPSG51c3hKLVFGWndwN04zT0FldFUwVzNyejJvay0xb1hLbjJqR0tVS21iYnJFY2REMG1NWFlwUXc2cnhsWHpna1RXNlF0cy1aQnhUelBadw?oc=5) · labornotes.org
- 2022-04-24 [Coalition of Schools and Port Workers Calls for Day of Action Against Privatization, April 29 - Post News Group](https://news.google.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?oc=5) · Post News Group
- 2021-10-05 [ILWU, Catholic clergy hand out food in Wilmington - Daily Breeze](https://news.google.com/rss/articles/CBMikgFBVV95cUxOWktNRUtFX0RMbFdSeHhuMDFpcXUyLTlDMEJnWGQtazlOOHMxcVpZYVhRbzVvcWprR0xlS0tIWENPWnlMTUdhX0tZb05icGFIWGZ6blpLZ0xNYkotd1VnYnJwOS0tR0pSQktoOExfX0hSNTZtcEh1aVBQOHgxalVhTlU1NHQ0N2FrVHhpSHl5ODlyQQ?oc=5) · Daily Breeze

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24916 (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/20.json (key "24916", 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=24916
- 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