# NUVISION
HUNTINGTON BEAC, CA · NCUA charter 566 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/nuvision-566

Who the members are: federal charter, multiple common bond, organized 1935. 204,942 members of 3,342,504 potential (6.1% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $3.94B |
| Members | 204,942 (-4.7% YoY) |
| Full-time staff | 617 |
| Net worth | $467.2M |
| Net worth ratio | 11.9% (p70 of band) |
| ROA (annualized) | 0.76% (p56 of band) |
| Total delinquency | 0.45% (p33 of band) |
| Net charge-offs (annualized) | 0.62% (p60 of band) |
| Loans / shares | 94% (p76 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 4.45% |
| Net interest margin | 3.73% (p78 of band) |
| Operating expense / assets | 3.12% (p44 of band) |
| Vehicles % of loans | 27% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 131% (p48 of band) |
| Vehicle delinquency | 1.13% (p84 of band) |
| Vehicle NCO | 1.48% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 63% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 36% |
| Average share balance | $7,873 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $116.1M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $29,505 |
| Loans granted, annualized | $812.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $116.1M outstanding purchased (24.9% of net worth), $0 sold and retained. Sold in 3 and bought in 0 of the last 8 quarters. Shares 1.2% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | 2 | delinquency rising, leaning on borrowings |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | leaning on borrowings |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | 3rd-party paper>100% NW |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 4 | net worth falling, margin squeeze, loans>95% of shares |  |
| 2019-03 | 2 | expense trap | net worth falling, margin squeeze, loans>95% of shares |
| 2019-06 | 3 | charge-offs p90 |  |
| 2019-09 | 4 | loans>95% of shares |  |
| 2019-12 | 3 |  | charge-offs p90 |
| 2020-03 | 3 | losing money, charge-offs p90 | expense trap, loans>95% of shares |
| 2020-06 | 3 | net worth falling | losing money |
| 2020-09 | 2 | margin squeeze | charge-offs p90, net worth falling |
| 2020-12 | 3 | members leaving |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | members leaving |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | delinquency rising, loans>95% of shares |  |
| 2023-03 | 3 | leaning on borrowings | delinquency rising |
| 2023-06 | 4 | net worth falling |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | net worth falling |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | delinquency rising |  |
| 2024-09 | 3 |  | delinquency rising |
| 2024-12 | 3 |  |  |
| 2025-03 | 1 |  | loans>95% of shares, leaning on borrowings |
| 2025-06 | 2 | loans>95% of shares |  |
| 2025-09 | 1 |  | loans>95% of shares |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | members leaving |  |

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

- 2026-05-20 [Nuvision Credit Union Partners with Veterans for Bay Area Military Appreciation BBQ - Contra Costa News](https://news.google.com/rss/articles/CBMivAFBVV95cUxQd3pjUWVLX1NSdDMxVWl4ZXN1YmEtQ1hQZEQ3bmVGTUR6SjFFQlhQMU5CdHpPZGw0WlBRTE8zN0Y3YV82QWlZYjdtYmJLcU14b0tIellTblpVdWlsNHhHako1ZHF1azZrdkRBWnJMZ0ZJX01ZeFE4S1QzaDNzY3g5MEJsdlVPT0RJRDFrMVhLdHAwMjJwYkpmZWlvamdhdER1aFE0M0ZpUzJUWW5heGZ3SmdrTUNIaDFfOTZveQ?oc=5) · Contra Costa News
- 2026-06-05 [Nuvision Credit Union’s year-long financial literacy program helped students build essential money skills - CUInsight](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNVnRoYUwtbk5GZFhSUVJwMVVINkJqek5GUnF4aWU4R3JwZWQ1X2p4S2xxQ0NVYjBoYWhWbnprZFR4TkxqQUtRTU5wOG1QelpnbmVlY2tBRGFwUzJjYnlMdVA2c0JWVmhTSzVwMW90NnAzWWRhOXBWYjZycnlKNkVnb3pXajYtUXZlOEJiUkpEYUN1R3VWZFdUZktxaWFBcUZXaW11VjRsTFZDV29KaWlZaWJ3OGJHQy1mMjJTQXM1cGpzQU1fNHNGUlVuX2dMQWdpeFJaWkZJSmQwcEN3eHc?oc=5) · CUInsight
- 2026-07-15 [Nuvision Credit Union Partners with White Pony Express to Provide Clothing to Families in Contra Costa County - Contra Costa News](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPUlpiQ2gyYlF1T3E3ODl5MzNnbjFpbDc5ZHY3VjRWV05WUXVVVUxZSF9jdjg2QUExZlRTdHoxUzdwdXprZW90bnFmYUViUERCRzNubENKOEUyQU8ta0VfaTVsa3FGR2g1MHlRYVlrYV92RFAxTXlNRjhzRHBWdmNkU3JveFZQZTFaTzE2R0xiMXI0R1JWZTZaNWJxMWVsMmo5YWZNV0NaWVFOcmxadmdEb1N2ME5vUVpGckxlaU9TanF5OTdyNlhoY2dOa0RJNXZZV3hKX1FrTTU0SnFkMWs0?oc=5) · Contra Costa News
- 2025-01-23 [Nuvision Credit Union and SafeAmerica Credit Union Announce Merger Approvals - PR Newswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxQT2h4alhkMEEtSjhZblVadk1fajdJcmdSVGtuZVNxYk5XWHFkZ3Qxa0FmUGlPTnpFT2JOQ1pMWDhkbEtOQlZPNl9xeU05bzlTaXFFemZxU2pMNEl1ejZsOENpSW54cUxoUE5SR3p6SmpnOFcwN25TVjk1bzdTTVM0VUV4YnZoXzd3cnM3STN2aDZtSlBIN0FaZDRxZGNXYTViTVlwLW02UjkzbkZyVmcwcnpBNUZxcmZWYU5lOTJxVUwxZjZyN2xvVnp5djU?oc=5) · PR Newswire
- 2026-04-08 [Think 5.00% APY CDs Are Gone? This Limited-Time Offer Says Otherwise - Forbes](https://news.google.com/rss/articles/CBMinAFBVV95cUxQSUZvcUFxTFZRLW90NTRBYUc4WVhWZ2dtRFpQeERsNnpXbzE3ZWwzY01jZmZQUFA0Nk5KclJmWUpBd1lMYkxBMjRQcWZvSk1JV3pRdUZuSlpsZ19PMVB2U0wtUzFlZ0ViMG9fcjk2QV91ZDVrd1gtYnlNb1pRR3pBam1STzhfTkg0My1RdjJOY01VNHpDbF9JZ29jLWE?oc=5) · Forbes
- 2025-01-23 [Nuvision Expands to Northern California with Merger - Orange County Business Journal](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUTEtQlVjUWFjcENLMUxCWHZOdGhyeDdUX3BodTVMOHJXRXlKSTR5T1VTVmtBN3lkV3IwX1R5XzZZZnlTZkdKTWNtYlF5NWFKWHlWd1FpS1VCT3pOZVFwUFNuZkhxcEYtWHljc0VJRHZFZWNKMjVsZXE2eU5QeThmRjFTbXdtVmJn?oc=5) · Orange County Business Journal
- 2025-06-25 [Nuvision Credit Union’s financial literacy program helps high school students learn how to manage money and their finances - CUInsight](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNY2FHczRuYmhUOVRVUVQ3d2dLY2RtQmZnUC15WGtoeXUwMnQ2MnlUYjdSVG9oRVdfTk9UQXR5Z2dhSVN6QkNXVzIzLU1ZY0lubnR4cHBZSHBYUVFvdWFjbktyTEwyT3RvZFE3ejVJdmE3NkpqZlFVUi1US1RIQVZYcWVqdThCVm5aQ2lXLUVOSTFveldOTHZtSi1ZcnhIbXVRNnhkNjJOMmVvQTc4cGJXckZSSTV0d2xkTXBOZlZpYV9sNFJMMW56RzhKRHV1QmNVVHlaQWQ5WS1nMFljRVpIMEpMZ2NnY0JYTEp6MFQ4Y3ZIbnpQ?oc=5) · CUInsight
- 2022-05-19 [Best 3-Month CD Rates for September 2026: Quick Deals Up to 5.00% - Investopedia](https://news.google.com/rss/articles/CBMiakFVX3lxTFBua0lmeGNTcFhqNG9zQlFSSktrdTduRDNiVHo5UXBPVTlPeVhGTHZCLXRIU00xTWhTZFMwSVF5amhBc0d6aGZ5VF9PVm5RdHlEVlV0aWhINUN2VEgtRG5QcVY5aDBsS0prSGc?oc=5) · Investopedia

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=566 (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/54.json (key "566", 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=566
- 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