# HARBOR
Carson, CA · NCUA charter 5593 · asset band $100-200M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/harbor-5593

Who the members are: federal charter, multiple common bond, organized 1947. 9,864 members of 40,000 potential (24.7% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $116.9M |
| Members | 9,864 (– YoY) |
| Full-time staff | 27 |
| Net worth | $16.0M |
| Net worth ratio | 13.7% (p83 of band) |
| ROA (annualized) | -0.30% (p3 of band) |
| Total delinquency | 2.66% (p96 of band) |
| Net charge-offs (annualized) | 0.50% (p68 of band) |
| Loans / shares | 34% (p2 of band) |
| Cash / assets | 9.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.08% (p8 of band) |
| Operating expense / assets | 3.81% (p61 of band) |
| Vehicles % of loans | 21% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 2% (p38 of band) |
| Vehicle delinquency | 0.97% (p67 of band) |
| Vehicle NCO | 0.41% (p51 of band) |
| Repossessed % of vehicle book | 0.00% (p28 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 7% |
| Average share balance | $5,055 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $7,148 |
| Loans granted, annualized | $10.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | losing money |  |

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

- 2025-11-18 [BECU announces plan to join forces with California-based credit union - thenewstribune.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE1oZ1NrZ0xhM1VOM1BoRVJ4VmFZVEpNTnFaenktdnRxYmxJV1loajBrUENSdldyWmdPaFh0T2U0OXFHS0E0RExTMzJxX21fTzRIb3RiQWlpZ2NWdkg4N1k0Rl9GTjFiUlVSWXZNdmhNN0FDTEhX0gF0QVVfeXFMTzlub09BUzNMWDlJTEg1anhzZVNDalVoYlFEOXZDdWxRTXNYa3ZHeGpLempsQUU3aTU0UzI5NWlEc3NFT2JELUJTNE5TM1AzUmVDV1FFbjBaSHhXalB3LTJobWZwbXNwYm5oSkdyOVpKNXNHYnk?oc=5) · thenewstribune.com
- 2025-11-18 [BECU announces plan to join forces with California-based credit union - Yahoo Finance](https://news.google.com/rss/articles/CBMigwFBVV95cUxNZWNIRFRxLWNFRHdrOGpjUWhaNFFEd1dRMHRxZkhWcHN1ekRoLUFUREE2ZDJsTjZmV2tiZkEwLTFZcmJ1VzlzZFBWT0pXMHAta0VUbVdaZHB5N1V2bVlhMlFIVXBYM0R4aW1oX2l3YlZ1RVdQWV95T1N5RWlHWVF6TkxyWQ?oc=5) · Yahoo Finance
- 2025-09-23 [Wisconsin Court of Appeals Affirms Primacy of UCC Safe-Harbor Pre- and Post-Sale Notices After Repossession - Husch Blackwell](https://news.google.com/rss/articles/CBMi6AFBVV95cUxONUNzZTJrSXBvM2R5VnFwcTdBejZJTHFBUlkwS3BWYm9xVmw0elRjRzVJM2FpQmFKOUNuU2Nvbk51bEYzTlNTdDFQdnRtMEEyTXVEWExIalkySm5TZ20zM0RQd0tveWdTZnBwSFNKM0ZxNU9ZNlB6dGlUT011dHV5bWlzbE96ZzJBOXp0OWo0Z2FxbldpODdyRkYxLWU4OGZkS1Y3VFJvWmZPSFF2Nk5HOWd2amdZUGNxLXlOWW1sVHVxeUFOc0kwTlN1cjRPTmF6VUFWRXE1emZFMmFfV3U0NVV2MU9RVExK?oc=5) · Husch Blackwell
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2025-12-17 [Beloved Dana Point Restaurant Set To Close For New Year - Patch](https://news.google.com/rss/articles/CBMiogFBVV95cUxONUU0aWJPel93emdkbTdIdEhGdEJBYWN4WWN4alVfc0RFUlBnY2FKUjFXUnpSZW95Z29lUmlhcUJ0V2gySC1yTkhGZWtBOEtha0F2UXBYQkEzMG1PYmVQQTc4ZThwWEMySUdHOFNENWNfQlhLY1M0TjJrOEw1OGU0SUFVYzdhUXR2MllmSlpCeURKNjRmN2QwRm1MUU9KZmZtbGc?oc=5) · Patch
- 2026-02-03 [Ari Lennox Returns To The Stage With 2026 North American Tour - Live Nation Newsroom](https://news.google.com/rss/articles/CBMioAFBVV95cUxNbzBnQWhhOWhUUFlPZ3ZqSE16aWZiTTNSMmlMdVhIMVloMVhQb0Niem5MLS13U2RoSndQTlBva2FMem5FcGR5ektLejMwRm4xRmV4eE53aEl2aEVTTzNudmE1Y3NXbjM5dU1NdVBrZW5ld3J4a3gyZE95ZGNOQTJVeWpyM0w4SmphczZrMWh6WmVidVhQVjczcmxWSWc4dW5B?oc=5) · Live Nation Newsroom
- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com
- 2024-06-21 [SchoolsFirst, California’s biggest credit union, looks to next-generation growth - Orange County Register](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPOFR6NVQtYVFJYVVESWw4b28yMjF4Z2pKWTBqLTlIWGRjb3dnQ0lkVldfV0ZtaGRmbml0QkZmSkVsRUE4bk9rb0NnUVZ6UUFZQ0o3S0ZLdllsa3JycVB0SlRKaElTQWtfWU50RGZPSG9fc2M4dl9jMVBCdDB6dE85bGRWUFNFek5aWG1ZRkZzUWc4ZENhMVNtaFpMM2Q5LUN1ZWN4cG9feDNRS2M0TVVyOUxDRHFRT0t6dHcwaGVRWXNkVGtJU3JHVkQyd3ZaRzlkRnhfajN3?oc=5) · Orange County Register

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5593 (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 "5593", 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=5593
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide