# CENTRAL VALLEY
ARNOLD, PA · NCUA charter 400 · asset band <$50M · latest filing 2018-03 · stopped filing after 2018-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/central-valley-400

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 473 members of 14,000 potential (3.4% of the field); checking penetration 18% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.1M |
| Members | 473 (-5.6% YoY) |
| Full-time staff | 1 |
| Net worth | $128,293 |
| Net worth ratio | 6.0% (p1 of band) |
| ROA (annualized) | -0.44% (p14 of band) |
| Total delinquency | 1.11% (p61 of band) |
| Net charge-offs (annualized) | -0.87% (p2 of band) |
| Loans / shares | 63% (p61 of band) |
| Cash / assets | 17.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.16% (p83 of band) |
| Operating expense / assets | 5.14% (p86 of band) |
| Vehicles % of loans | 75% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.70% (p58 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 8% |
| Average share balance | $3,032 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $5,582 |
| Loans granted, annualized | $256,588 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, auto monoline |  |
| 2016-06 | 4 | thin capital, delinquency 2x band | expense trap |
| 2016-09 | 3 |  | delinquency 2x band |
| 2016-12 | 7 | capital below 7%, expense trap, charge-offs p90 |  |
| 2017-03 | 7 | net worth falling, members leaving | expense trap, charge-offs p90 |
| 2017-06 | 7 | assets shrinking | net worth falling |
| 2017-09 | 9 | delinquency 2x band, delinquency rising |  |
| 2017-12 | 8 |  | assets shrinking |
| 2018-03 | 9 | net worth falling, assets shrinking | delinquency 2x band |

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

- 2018-06-25 [Moving Community Foundation Dollars from Wall Street to Main Street - Next City](https://news.google.com/rss/articles/CBMingFBVV95cUxQQ0JSUmVFaDNTdDF5dnJZb3hEQnh3VmQwaTF0STB4dWdkWlR6OVFZNDU2MktBRzdIMWlBaDB0RkprZFV6SHhXU040bGlGeFJWS1o2MW42NnR0S0ZqSHNORVlmdy0zT2JXSThtTU9XRV9kN1hucE5DQ21PU0x0VjVEUHhDMmU5V3hKUWU5azZRbzdpbkxoUDVwZkZsb2l5QQ?oc=5) · Next City
- 2019-11-20 [EECU is proud to bring you the Pledge of Allegiance in Mrs. Roelse’s class at Figarden Elementary School - YourCentralValley.com](https://news.google.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?oc=5) · YourCentralValley.com
- 2026-06-13 [Stayton athlete voted Maps Salem-area baseball Player of the Year - statesmanjournal.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxPVklDOHpCMTQzRUlxOHpGQ0FWRk5fLW1KT3F4RU5ralpIaXJmcEZtZ3dwR2pEVlBRSWRkbDVZNFVoTFNpWHdSTWJncVNJcElJVDBqRjRNbFgyZ0R3Qkl3Y2FGWFFrVGVDSUN1OHFLdEhZNFBrOGVyTllNM3N4VnRRSktIQ3FiTHZUblRpaEJHYW12TWVzWVc2eG5PYzZqc1ZqaXFTZmRMYlAyd2dqeXhMNFBiUnd2RlNVT1loZVhpdDV1eEtxQUVIcnJYb3dtd0tfSmVxb1RRcWNRYWxDNmFGTG1BZ1VvUTVNTUdDTFZ2UjZ4RDU5TEIza3lxUzVROUdW?oc=5) · statesmanjournal.com
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2025-05-12 [John Morelli - Beaver County Times](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1QOXVvM0ZUUWlUOXJhczdUZ3RFOEF4MV9pUnBhOVNDZVFPTW93RGlQbEVMMzZPTXZRWUJDVVBKQWhvTngzMWlta3BVMEo5blcxUkhiSjZRY21PTlFGYThv?oc=5) · Beaver County Times
- 2021-12-02 [Louise Conte Obituary (1924 - 2021-11-27) - Arnold, PA - The Valley News Dispatch - legacy.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQeFM1SzhBNWhoWEZsQS1ET3NqdXRoeWJYV3RET29oV2R0bW5vSUdJMGowN2ZkNl9EODBjUXRWaWF6TFVuOEdQT3ZLUXpVcXlGQXRDQ3BibS1CNjhqTjNyR0ZoaF9sN2RYREltc1RfQjI3TTJwZG1sRHdMb09kYUhTR21RNGNIc19QZjI0dm53S0JaRHMtZWwzb3ZkR3MtQTdyUVJLUnI0U1M?oc=5) · legacy.com
- 2019-10-03 [EECU is proud to bring you the Pledge of Allegiance - YourCentralValley.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQSFFoX1RlRmRFbk5IT0FPZVZxdGpVbU9vQ0pqR05RczhCWXRxemUzWUV4Q25pb2N2dlYzZ1Bjd2tWRU1iMk9QQkh6eGR2ei1Zc1R0UFY0XzRieThDMHlKamp0TnNJWmpXZTRLVENNbHlhS0ZENW9wRUhxOXVuUTk1bUxSc21Cd0RCQk1aSEZIVk9kc1E5cVowaVBqZjJhMDJpVWVQaENiMNIBrAFBVV95cUxOLTVNeXgyVUFoNmVzaEdRcnl3Q3o5MkFia0FjMXVTTGgwbl81UWRYQ2R6emRfalVkYVh5Vng2Z0xraHBlX09mZHNhMmpDc0Q1SVFVSnJuTEVmUUFiR09vZU1TNk9qcmwteGttYnVoWXpWSjdjZFBBQTB2UWdtMGdjM2hDOU9OMnFOOHE0YzVrUThXcU0wSDNPTzkxOHlKWmlkSFVUSXgzUDJOX05f?oc=5) · YourCentralValley.com
- 2021-10-03 [Stephen Bathurst Obituary (2006) - Fresno, CA - Fresno Bee - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOeWctQzFnbWVpVks0RzhoQjVIN2dQeW5Fc3ZXMklOSm4zRXkydDJVWEt2OFVKNHNNNDZuRF9Ja1lvbkY0V2dHSjFleklwUHNISzB4SzlMVEU3X0xBUGkwdkJkSm1Hc18xdmhGMEIxeVltZW9ZOVRVWjZ5RERQT0N1Q0lRMU5ESHZYTUJYZDA5ZDNaMVE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=400 (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/16.json (key "400", 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=400
- 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