# UME
Burbank, CA · NCUA charter 3945 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ume-3945

Who the members are: federal charter, community charter, organized 1940. 17,428 members of 100,000 potential (17.4% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 46.

**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 | $334.1M |
| Members | 17,428 (0.0% YoY) |
| Full-time staff | 38 |
| Net worth | $31.1M |
| Net worth ratio | 9.3% (p19 of band) |
| ROA (annualized) | 1.02% (p73 of band) |
| Total delinquency | 0.18% (p10 of band) |
| Net charge-offs (annualized) | 0.51% (p64 of band) |
| Loans / shares | 55% (p12 of band) |
| Cash / assets | 8.0% |
| Borrowings / assets | 1.50% |
| Net interest margin | 3.15% (p24 of band) |
| Operating expense / assets | 2.64% (p16 of band) |
| Vehicles % of loans | 14% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 14% |
| Third-party paper % of net worth | 11% (p28 of band) |
| Vehicle delinquency | 0.40% (p36 of band) |
| Vehicle NCO | 1.39% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 75% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 16% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 18% |
| Average share balance | $9,277 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.9M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 92% |
| Average loan balance | $21,075 |
| Loans granted, annualized | $71.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.9M outstanding purchased (15.6% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -0.3% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 0 |  | thin capital |
| 2016-09 | 1 | thin capital |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | net worth falling, delinquency rising |  |
| 2018-09 | 0 |  | thin capital, net worth falling, delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | thin capital, net worth falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | leaning on borrowings | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 3 | assets shrinking |  |
| 2024-09 | 3 | delinquency rising | assets shrinking |
| 2024-12 | 4 | net worth falling, repo signal | delinquency rising |
| 2025-03 | 3 | delinquency rising, assets shrinking | leaning on borrowings, net worth falling, repo signal |
| 2025-06 | 2 |  | assets shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 | assets shrinking | delinquency rising |
| 2026-03 | 1 | delinquency rising | thin capital, assets shrinking |

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

- 2026-06-01 [UMe Credit Union Celebrates Inspiring Local Students Through 2026 Scholarship Awards - MyBurbank.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNazNPUzJBY2trZWVvd0lWVzRJclUzWU02MHF1UDZBUWtzRXlZdW1sbGx5ZDBCb2xwYUs4b09GODhBWnhib0c1anRHQzVfLXpCcW5MT3QyeDRfNjgwSFJ6My1aZUdwUGNDWnJncFB3Y3ByVkxIdzV0VFJwQlBHZTJtZWJpT3ZOUkNYQWJZVzdnYk5ITGswNGQ3akhFbEliUV9JUnUxRjZqR20yNUE?oc=5) · MyBurbank.com
- 2011-08-09 [Q&A: The Strategy Behind UMe Credit Union’s Rebranding - The Financial Brand](https://news.google.com/rss/articles/CBMimAFBVV95cUxNcjVOeE5VUTdiVzY1UmVUWlJ6cFJkSWlHSEpxZTRVek1ZTEpfdE00SDBKZHpFZDhMeDF5OU1EWFZqVGkzNkt6dG5ZNkVWZVpKOEVjQ2JYM3hBSGJHQmwtTGVoYWRSTW50clRXT1RGMXZDUmFIeGJkejdjSFN2Mk5yV3dUYko3MG9SMFAxMFJ4eGoxQnFnbzA0Rw?oc=5) · The Financial Brand
- 2022-08-17 [UMe Credit Union partners with Bankjoy to offer its customers a modern digital banking experience - IBS Intelligence](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNTE1nVGJ6Q1c4RmZsRkdUUGdzeG40dFpsZ25NczZvZnhXcERCQlVTOTBUbEZaNk45cVF3SmFQYllnR0hJUllDUW90NkkyZlQ2ZEhtVW5oWURDRW9Mc0hzVFpZTktfZHQwMjVtSjBpNnQ1ZmpFc1lzaklyUG5xSkI0SGQ0ZEZrdTFhMGlSdExIbmthZm5tTEVHaFpYWUxUSHM0NFpQQ2JTUmREYlBIOFluaFBzUnJNME1iWlVLWGhrc2tfUk9wNi1Sb0FTQ1JRZjRIaGc?oc=5) · IBS Intelligence
- 2020-08-26 [UMe FCU Increases Real Estate Loan Growth 30% Over Three Years - American Banker](https://news.google.com/rss/articles/CBMirwFBVV95cUxPUVZXaEJQdnM0aU9Lamltc2ZhWFpyMmdqcWViNmFIVDdUVGZKNEd4MDNRRVdiaGRTMXBaS2ZGb2J6M0pQam1lYnZMM3ZRNXdoTkhWZkRyOEpDVWVpdm9jY3ZXSkZfQ2hMOUN1TEVfbnZUWG9pQUpSbDNMbUJZVldzbVpVV0VCc1g2aHVybHBzS091a0dKWVVkNHU1Rkd2dENPTjg3VHZqVzNxZmZzZXJF?oc=5) · American Banker
- 2021-06-11 [UMe Credit Union Provide Generous Support to Burbank Students with Super Awesome Scholarship Program - MyBurbank.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQTjhJcG9TSEVhWjZRMXNvdUptbUZ4WVkwdUVKWVBiMEZPM3k0bGVYVWFXc2NMTVF2c0hfV3lHR0tNcGtsaHo2ckZfeDcxMmNkZ3B0TGR4MlpXeGVfTUI5amZVblg3QktzMjM4NHdMUUpEM2NiOVF5eVdJREVwcG9rMFFNc1FhdXoteW1RTFE5TW5DaFg2a3RNRXk3SWxwbzAxTm9DM1owcGlVQ3pEVEtiZG9qeHJ2aXVPaGlQeVg3ZnNoZDA?oc=5) · MyBurbank.com
- 2022-06-09 [Free Outdoor Movie This Saturday at UMe Credit Union - MyBurbank.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOQTRRejR0TWRkYTRGU0NnRzhzSXpBemx0Si1QaGJPVUpod0F4dm8teUVtOUVwaTZjX2hiQ1RXamhpSmJGdHR2M1RVM3JQTHFEdlExRjVnQV9MOE9qN29kU08zZl9kQVJyT2oyM051S3pJckZIMjZEWHhqZlpjc2hudg?oc=5) · MyBurbank.com
- 2020-04-16 [UMe Provides Essential Financial Services during Coronavirus - MyBurbank.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNUlZpRFhXcnpCZjZiOE5MVFRIeXJ0QTl2YmZSODBrMXZ0bnE3QXl6QVJWNUotaFF5UlAyMWJlZFJFd2dmcnFlQkZrNlJZc2N1M0RmcTdteWgtT0JWRUJ5Y003bWF0cVdETnlpUWhXbUg1WFZUQzlZVThJT3l5UjJ6blI1Vm5FWDlmT0NR?oc=5) · MyBurbank.com
- 2015-07-01 [UMe Credit Union Celebrates 75th Birthday In Style - MyBurbank.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE9nYzlPbGtpXzZmNmZVSC0xcnFuSzltWmNINmhWTUNpZVZBelRTaTBnY3dZWmI1a3hjM01wMElYV2ZoVzQtN1dFZEVBazdDdmFnNEc5TkFnM1ozTEdZN1lVYk5LMVA2Q3B0WG5QQ290RVV1a20xRlRySXBhcVFwdw?oc=5) · MyBurbank.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3945 (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/41.json (key "3945", 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=3945
- 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