# CAMINO
Montebello, CA · NCUA charter 4633 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/camino-4633

Who the members are: federal charter, multiple common bond, organized 1941, low-income designated, minority depository institution. 12,637 members of 50,000 potential (25.3% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 48.

**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 | $179.2M |
| Members | 12,637 (0.6% YoY) |
| Full-time staff | 34 |
| Net worth | $21.8M |
| Net worth ratio | 12.1% (p56 of band) |
| ROA (annualized) | 0.11% (p13 of band) |
| Total delinquency | 0.78% (p62 of band) |
| Net charge-offs (annualized) | 0.45% (p63 of band) |
| Loans / shares | 89% (p89 of band) |
| Cash / assets | 5.8% |
| Borrowings / assets | 4.18% |
| Net interest margin | 3.87% (p62 of band) |
| Operating expense / assets | 4.35% (p73 of band) |
| Vehicles % of loans | 17% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 10% (p41 of band) |
| Vehicle delinquency | 1.02% (p72 of band) |
| Vehicle NCO | 0.03% (p18 of band) |
| Repossessed % of vehicle book | 0.09% (p78 of band) |
| Real estate % of loans | 73% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 22% |
| Average share balance | $7,491 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.4M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $22,375 |
| Loans granted, annualized | $36.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.4M outstanding purchased (15.8% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 1.2% 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 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 3 | losing money, members leaving | net worth falling |
| 2017-12 | 2 |  | losing money |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 0 |  | delinquency rising, members leaving, net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | assets shrinking |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 1 | charge-offs p90 | assets shrinking, delinquency rising |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 0 |  | charge-offs p90, delinquency rising |
| 2020-06 | 2 | net worth falling, charge-offs p90 |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 | margin squeeze | charge-offs p90 |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency 2x band |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | delinquency rising, delinquency 2x band |
| 2024-12 | 1 | assets shrinking |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 | delinquency 2x band | assets shrinking |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | delinquency 2x band |

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

- 2026-04-14 [Provident Credit Union closing Palo Alto branch as part of planned transition - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOVWU3a1FLZ3hzdnJEMndKNkNLMjVqOXlGV1Z2Y1liMU43S0Q1c19aQ1lDemx2QWhEbzNFZ1VZX1pMTy1OdlFBTUt0bkU4WTJQUjA2SXRONlRkU1l2Q3dvbnhLbWItQXNvMWZqQmZYd3hOZFJuRU9USzExWWRfTHZJRTYzd0FmT0NoMEk4NWV2WXhUeGRKb0ZHRm56YmtWcFBsM2tiekQ4Yw?oc=5) · The Business Journals
- 2026-03-09 [Robert Chaffino Obituary - Upland, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPRTAtRzZnckFpRExSS1JjLVYtcTNYdnhXTzJtXzhoc2NCbnRhWTV2eFliVmQySXdQYXFsRjREeUZSMEdQQnVlR3NRNmJ0bGpqbGNsblVXZ1poZmpOWWl1Ty1Gb0RneTR2cHVMazBtRVpWcUhSUWZDNDBFNWVqazdjOTZmRQ?oc=5) · Dignity Memorial
- 2026-04-17 [The Band Camino taps into the yearning recession and delivers with a punchy, poppy “HOLLY!” - MELODIC Magazine](https://news.google.com/rss/articles/CBMivAFBVV95cUxOS2J6NWQ2SWQwdWpSMl9rN1ZlLUVkMUdJNFUySHFtNHl0YWxNMm9lSlBrTllNbG96LUQ1TFRvUnVlVjRVcTNTT2M1QXNLb1ZhdEtfYUtjcGVnZE84RFdBU3BaLTVmTXREd3FnTEVlbjJqVktzSkNlWFg2bGhDaUxhdW9Lelh3SHpzNWo5VzNUbERZUTZfMFNwWjZuZUUwVkpWUHl0VVBJbWMtd2pFUnRoUGVsZ2EtRTFkX1Bjcw?oc=5) · MELODIC Magazine
- 2026-08-14 [Carlsbad Student Receives Wheelhouse 'Badge Of Honor' Scholarship - Patch](https://news.google.com/rss/articles/CBMinwFBVV95cUxPdkYzdXdJRWEzY3dsQV93cjZURUE3aGVRS3hUN2JiOWxPa1QzblF3bmJKdkV0dlZHOF83dWRDOUp2TEFHUm5tTkdVRlEyUkxsYlk0X1VNWGxhR29rbHZIdUxtVlB5QTVNYmpjVjZCR1RwUTlfemhybkgxOGExanpaTWE2N0FQUGJHX1JzSE1IajFnc0plUEhyS2wyMnFHM0E?oc=5) · Patch
- 2026-02-04 [South Arcade, The Band CAMINO & More To Support 5 Seconds Of Summer On UK/EU and US Tours - Rock Sound](https://news.google.com/rss/articles/CBMisgFBVV95cUxQYnlTWTY2RHdzMmxNTWVDdjhtTm1wcmh4T0RRSHhrd2U2b1ZuaHdPZzdiQ1hHLUZYU2Z6YmFuV1paNkF2OVQ0VFQ5a3NTV19jbVhhOU56RGZTOV9XVXFRYnZmNEJOdXZ0aFpQU3hBWGlKMjNKUUNDOFczNnYyX3JDZkFabGdFeVhwdnJ6eE0wVlczcXY5NTZGRGVpMkNFZVhaQ0ZBYUJjVlN6c0g5WTREWjl3?oc=5) · Rock Sound
- 2026-02-14 [Bryan John Willard Obituary - Napa, CA (1951-2026) - The Mercury News](https://news.google.com/rss/articles/CBMidEFVX3lxTE5tU0VLNVFRSksxRXQwYkpidUdhZ0hQNUpqLW03YlJlUE16cUdubkl2cU5MZk1YaDlqaUNEYmtCSngtczlVMngwRWtJdTlXaEw5LUxZUFpXc25YVVRycnV3YUpjU3ZjYkx4MDZfbjFXZGlqUUR1?oc=5) · The Mercury News
- 2026-03-16 [Two Sheriff's deputies and suspect shot, PG&E worker injured. - Gold Mountain California News Media](https://news.google.com/rss/articles/CBMioAFBVV95cUxQY3RFMnJLUHhQRV91ZHpYOTVGcm9tTDNKakdPcGdmYVlQV0NCRWtUQldObWYzNjJ0WGM3YU5NYkZaQlVwWklrUmctSGlYcWo3N1N3MGRwRFkwUjdkUjhhMGhmQU5kQ1lEa3Z5MXBwTmc1ejRiU1ZHYWZoa2NnUDhHbF83cHNESGF5WjZQZUVVeVIyM1RfaTVLdWpSTjBVc2lv?oc=5) · Gold Mountain California News Media
- 2025-05-07 [Maintain your wealth: Best credit unions in the South Bay - El Camino College The Union](https://news.google.com/rss/articles/CBMinwFBVV95cUxOQ0JERDRWRlV0dW1sLWR2VjItUXJTaWFMVUpZaGpTdndRclBhbGo2SnJqdGFUMk9WTndCYzJUYWxocldabVhVelR5eGVfb2tfNTBlT2lSY0poRThZOF9SNHlEbTdYMXEzZDh4OGlxVzhWOUVlSmNMUFhXNng5UklfSU14b0dJZ0pRUlZnTDBnbnFYTm83bzh0OS1NS24zNHc?oc=5) · El Camino College The Union

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4633 (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/25.json (key "4633", 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=4633
- 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