# GAIN
Burbank, CA · NCUA charter 3943 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/gain-3943

Who the members are: federal charter, multiple common bond, organized 1940. 20,403 members of 50,000 potential (40.8% of the field); checking penetration 79% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *ordinary*. 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 | $439.3M |
| Members | 20,403 (-0.2% YoY) |
| Full-time staff | 66 |
| Net worth | $36.8M |
| Net worth ratio | 8.4% (p6 of band) |
| ROA (annualized) | 0.07% (p10 of band) |
| Total delinquency | 0.35% (p25 of band) |
| Net charge-offs (annualized) | 0.37% (p48 of band) |
| Loans / shares | 60% (p19 of band) |
| Cash / assets | 23.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.65% (p6 of band) |
| Operating expense / assets | 3.14% (p27 of band) |
| Vehicles % of loans | 15% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 10% |
| Third-party paper % of net worth | 11% (p28 of band) |
| Vehicle delinquency | 0.41% (p36 of band) |
| Vehicle NCO | 0.90% (p63 of band) |
| Repossessed % of vehicle book | 0.01% (p54 of band) |
| Real estate % of loans | 69% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 63% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 23% |
| Average share balance | $8,727 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $316,276 |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $18,852 |
| Loans granted, annualized | $29.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $316,276 outstanding purchased (0.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 4 | losing money, charge-offs p90 |  |
| 2017-06 | 1 |  | net worth falling, losing money, charge-offs p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 2 | net worth falling | delinquency rising |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 | net worth falling | delinquency rising |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 3 | members leaving |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 1 |  | members leaving, delinquency rising |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | losing money |  |
| 2026-03 | 1 |  | losing money |

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

- 2026-02-06 [Gain Federal Credit Union Data Breach Exposes SSNs and Other PII - Claim Depot](https://news.google.com/rss/articles/CBMieEFVX3lxTE5LZ0VrUWt3NDZHbHB2dzFBUS1pMEVNd2RHRXRfV01wQUNrQmRqTlZoVkQ4WnBPMzU3RTRWOHpsZ1FVNXpiZ1VIeWhQY19ueEJBYmlOcjZnTFZSVV92d3hPbVB0S25CMEZUZ3BGakpoWS1Kcjh2Q3M3RA?oc=5) · Claim Depot
- 2026-02-02 [Gain Helps with College Costs: Scholarships to Help Families with Education - MyBurbank.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOU0lycnBXSTU2NVJHUFRlbmwtNk5hVXVEaFdsc0sxcXhBVVpremlJWWh3OGRIejRIOGxUdHFPQWNWclVUM0dPUlpsTkNFOUc2cTFlS2NYSi1JRVY0bjNuYUs1X3FOZ21CZFVfWU9CWUl1WnRqSVJrWmxQNnBtTy1OWllOb2xzOEpzWWJZSVgzV3d3M08xZkcxa1ZBTE9pQQ?oc=5) · MyBurbank.com
- 2026-08-11 [Credit Cards and Autos Remain Sluggish - CUTimes](https://news.google.com/rss/articles/CBMif0FVX3lxTFBhLV8tVUN1WXR4UmtaLTZYTzV4M05ZaXJYNG5qbGJLcHh3ZjhCSzA5Z1B0Mnc2RFhsTDV1c3BZaGlFOFJWTEd5bWtPYTUyRnlnOHVDNFpnYWlIVmlxT2NGc1hPNEx6WDB5MG5UMDhyX0N0RWw0NjNtSV8yd2w5TGc?oc=5) · CUTimes
- 2026-07-11 [Laurell: Scholarship Program Helps Students 'Gain Ground' | Burbank Leader - outlooknewspapers.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOSHpUUmlUSTVnZXZJck9QMFhfTWtWT0NBNFBzN3UwdjF5MnF2RU1lRVp6WmsyTjZOMlpFejhwb1dLdFFzMUw4aVhiYWR1cTNYRXZpWmp2dmVXT0lKR3NPQ1FKWGFYa1dNQ09LMW9rMlBZMzY2YTVKQnh6QWRYQTNSakFsNWhxMDRGQWxlVkZyaVZYWDZ3VUp4eWNBaEx0YXc5R1VLNzBnQm90N0lqS0MxT0g5VThqcEVNS3ZHV1lGVUVHamVXQjhybWdaU1hqc0lLNkl2dEJ6cTk4Uy02UnpjU1ZB?oc=5) · outlooknewspapers.com
- 2026-08-12 [Battle Creek Central students to gain real-world banking experience through student-run credit union - Yahoo](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNNXh0M2otb1BfaU1ycjV4Vy1udkZKeHhoWm41VU9hVmJVWTFxMnlETUxEWHU0ajZwcTJmN3dPYW1SWGNwdnVfelpURGZOZWM5R3Yyc21xYjVNbjNZVW9HbjY5OWRycjhvN29JRVhDanZNNmJESG9EdFZNS0ZtM0toSmlFU3BjVEVMSVlN?oc=5) · Yahoo
- 2026-08-05 [Best Credit Union Bonus Promotions (September 2026) - Best Wallet Hacks](https://news.google.com/rss/articles/CBMia0FVX3lxTFA2QXB2VnhxSnB0eVBNTEc5LUphV2s2Z2FNVVJGVHJWWWZXeGJnUzFWQ0I3dlJjQnd4WDVUOFUzZVRVbGJlMkh6aVBqZWJ4MEpoM2NaZHFTVEhra0xJVkdpOE0zMnJjUFI3aFpr?oc=5) · Best Wallet Hacks
- 2026-05-24 [Metro Detroit students gain access to new $5M AI, robotics learning hub - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2025-10-01 [VeriPark Partners with DataVisor to Deliver Embedded AI-Powered Fraud Protection for Credit Unions - Business Wire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNUFVjdEMyVkhJZUYtRTNsTnowRUtlYjNrN05WNi1fSnVZZFNMVkFNOWU4VmF0QThoRDI3YmkxbHJOcURIWEgta1hDaVNGTEdGS2tRUlNtZFZGeFU0QU5nSUFiOTh0VFIyQ3VteDU3ME5DSjUtYlpmeTNyS2hpNUQ2NmgteW1ScFBPUnp2Zk04a0IyenJDTnZ5bUNuWHBXTlpOR1VOLWVoaXk5SzhTbDg1QW9vRDc3aEFhV05lQWVvY0hwQkQ3bVRUZ2hRRlRQbkUxYUtOSEl5b0NWNkZOSjNVR3JheUl6cHpmVEww?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3943 (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/39.json (key "3943", 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=3943
- 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