# INLAND VALLEY
fontana, CA · NCUA charter 5684 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/inland-valley-5684

Who the members are: federal charter, multiple common bond, organized 1948, low-income designated. 3,142 members of 175,000 potential (1.8% of the field); checking penetration 79% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $54.3M |
| Members | 3,142 (-6.2% YoY) |
| Full-time staff | 11 |
| Net worth | $4.6M |
| Net worth ratio | 8.5% (p7 of band) |
| ROA (annualized) | 0.19% (p21 of band) |
| Total delinquency | 0.32% (p31 of band) |
| Net charge-offs (annualized) | -0.16% (p3 of band) |
| Loans / shares | 37% (p11 of band) |
| Cash / assets | 52.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.34% (p32 of band) |
| Operating expense / assets | 3.79% (p58 of band) |
| Vehicles % of loans | 40% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.48% (p46 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 18% |
| Average share balance | $6,712 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $15,450 |
| Loans granted, annualized | $5.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, repo signal |  |
| 2016-06 | 1 |  | repo signal |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | losing money, charge-offs p90 |  |
| 2017-06 | 1 |  | losing money, charge-offs p90 |
| 2017-09 | 2 | repo signal |  |
| 2017-12 | 1 |  | repo signal |
| 2018-03 | 4 | net worth falling, delinquency rising, repo signal |  |
| 2018-06 | 3 |  | delinquency rising |
| 2018-09 | 1 |  | net worth falling, repo signal |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | delinquency 2x band, delinquency rising | net worth falling |
| 2019-12 | 4 | repo signal |  |
| 2020-03 | 6 | losing money, charge-offs p90 |  |
| 2020-06 | 5 | net worth falling | delinquency 2x band, delinquency rising |
| 2020-09 | 4 | delinquency 2x band | repo signal, net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 7 | capital below 7%, net worth falling, margin squeeze | losing money |
| 2021-06 | 5 |  | delinquency 2x band, net worth falling |
| 2021-09 | 4 | repo signal | capital below 7% |
| 2021-12 | 6 | capital below 7%, delinquency 2x band | repo signal |
| 2022-03 | 1 |  | charge-offs p90, margin squeeze, capital below 7%, delinquency 2x band |
| 2022-06 | 4 | delinquency rising, members leaving, loan book shrinking |  |
| 2022-09 | 3 |  | delinquency rising |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 5 | losing money, delinquency 2x band, delinquency rising | loan book shrinking, assets shrinking |
| 2023-06 | 3 | assets shrinking | losing money, delinquency 2x band, delinquency rising |
| 2023-09 | 4 | delinquency 2x band, delinquency rising | members leaving |
| 2023-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2024-03 | 3 | members leaving |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 | charge-offs p90 | assets shrinking |
| 2024-12 | 2 |  | charge-offs p90 |
| 2025-03 | 3 | assets shrinking |  |
| 2025-06 | 4 | charge-offs p90, loan book shrinking | assets shrinking |
| 2025-09 | 2 |  | charge-offs p90, loan book shrinking |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2025-10-16 [Xtend announces Stuart Kuzik has been selected to serve as the CUSO’s new CEO - CUInsight](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNR2hoU0hGNHpvZVpRMjdJLWVzLTR5RFRPZTAzWWZFMDdXRnlxWlhfajhEeW0tOTJLdXd3Z2NpTnE2YVAwTzh0bEM3bnN1SFZVOWR1dWlzbUZxcy0xUWFCZHU4bElnYWhCZHc3dHIzRWZ1V2h3UDJLXzhqVklDV2g2VXRhWHFsQlBzbEJaRWw5Y0JIVlFmSFRyYlNBX09oa2VRRHZXV3YwQzVHSlE2cnhDYzhwaDRqU2NE?oc=5) · CUInsight
- 2019-09-26 [Credit union managers raise funds for kids during ‘Dancing’ event in Fontana - Fontana Herald News](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPOGx1WElvOEtUazJmWndvd2p0VnlVZnRoRnZNYkRBVkswa3o4RE4tYmoycHNkS3F1eUpRak1XZU5oVW9oajVrVkVNeVJ5Rjl3djgydGxWTVZqaThSUURNZGEtVk9jUEhrMmNaa1VleXhSZF9hazFmcENSbHI5dkZWTl9aaWdkTHU0YkFGMWlDZkhtb3BOSkhOVER5dlBENENGR3BzTjVEYkdCbjRZemFLTlUzYUVjZllvRkcxdEpOd28wOXA4OFVySURLZDBKYXhFNnpib3pZZ1RfUi1LV3VfSEp0Sjd1WVNaT3R1V2NHWGN3NVcwR1E?oc=5) · Fontana Herald News
- 2022-06-16 [People: Tisha Carey and Lorie Schulenberg appointed by United Federal Credit Union - Northern Nevada Business Weekly](https://news.google.com/rss/articles/CBMikwFBVV95cUxNbEYtbkE1VW0wdlhRamNSWGlSdFBlMUlZRWpOaWI3NHp3ZE95WnFEWXlWRFkySE9Gb0MwOEZzNGFjX1VxWVVDQlBncWxvWVhKd1UycmRPSzhQb0ViUnRaZ09LZV95WWVRNHk3bUJ6TnNNQlk4c2FrSEJTaEpzdmhuRDZGUGlGOUJ3WWdxNl84TG43VGs?oc=5) · Northern Nevada Business Weekly
- 2020-12-03 [Chamber welcomes five incoming board members - redlandscommunitynews.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQdUdlbTJCdjQtcGJJY0lCM19wUy11LTY2OVBkNFN2X1VXZUJCaWcyTW8wQnFqOV9ELVNIQXg5YVNYS0RvV19RWHVhbkdfYTZxbkZVSU55MGdva3lFak02c0tyQUJUZUhZMWh6QkU2cHZ1YlI3THlnU1ZTWGd2U0Y3OE95WUJMWS1YT2d6aXJtOUhmNmZZbkZPd0d0Y0Ftd0VPWDN2Q09FVm82SGFaUFlMS2lKMmd2SEhEVDBCQ2s3RXlxYkhRNzBWckprMm1sdXl0a3kw?oc=5) · redlandscommunitynews.com
- 2026-08-13 [Luke Combs extends his ‘My Kinda Saturday Night Tour’ with 12 new 2027 dates, including one in San Diego - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOUVY5cWdZQV96MDVySXRzWHg4TlZlSkU2RFNTelFVWlZ2SDRqZnVTbzlTdUN6dHJiYXExWTJ3ODVNazFSWUotMy1jc3d0aEFKa2kwdVVTWDVTRXp5dkdfdU5CQ0t2aFA2VlFnNFlUd1c0VWZvSTMtbjRvdkhxMkNjUkVDa3lFeERGUGxQVFVxdFUzUzhlWW9fQk8wZTAxS2ZZakF3aWkwYlZNNHdYdHlHaEpiMGZTOVdjZEUwYzgxSVJHVEx0c3Z4d3d1NXFybzBpSzlDeTRLR1c0aWpXMHM1ZEpjTlE?oc=5) · San Diego Union-Tribune
- 2023-09-18 [Downtown Ontario is preparing for significant change. Here’s why - Daily Bulletin](https://news.google.com/rss/articles/CBMipwFBVV95cUxQbjYzdXByOXBTRlRTWXBPU2l2LXFZTjRpNkpya3N5dDk3M3o1U2VqcEhkZkRYQmo1dWc5RG1ONENaSG1aVTNWVVdrSGNPUW1OZ2RMVEFTLVE0TGpWRS1veGNaZ1ZHVXJNdlFmLXhJYVFuNTJBSjhQVkw1UDBUdGQwNVNKRXJtOFJHUjQ1TmxSNlZSNEhteVE3ZHl2NWRxbFQ5QUpwYnhiMA?oc=5) · Daily Bulletin
- 2017-08-23 [Arrowhead Credit Union among the winners of Richard Myles Johnson Foundation Golf Tournament; event raises $60,000 - Fontana Herald News](https://news.google.com/rss/articles/CBMipAJBVV95cUxQOFBORmE4Z0dxUzdGcHpIZHZvcENKbUNxWXlTY2ltaXcyOUYtZXktdlJYMG8zSjVvRTdvcDFpMUV3a29IVGVkdHlrZHhMZjU0UEJKVXJVWWNMU0tVSXJneEJ0eGp0NGY5OXFlT3Z4Y1BGVkpBdjZLeUFVOU9mbGdaWkNZT3ozU1pvUVc5RVZJUVd5eGFJckpVWVVfOExwUHhLbWptUHV3QTBPYUxxbW1xd3FjWTRrT1ZidjQxdXdxUGJBOG9xdnI5VWpLYmozUnRfMm5BT1dPMzMwMFhmekVNcHBlT1h0UUdKYmYyR3JSNTNNYW5vWjVTbkIxajVLcnowVE1ZazBHZDJkaUhiUzBsbmdNbUZxcTNjd0hHZmwzM2F5WGh2?oc=5) · Fontana Herald News
- 2019-04-10 [IE Man Charged With DUI Murder Of CHP Motorcycle Sergeant Pleads Not Guilty - KVCR News](https://news.google.com/rss/articles/CBMixgFBVV95cUxOR2dDZjJBeEg1YWxxRXdMeDdpNHpwWWExVm9McHhPSHVjVEFNVnZqTENmMllUaTNhbDBjVW5lUFNZSTZLb0JZOTZDdE1uNGdCb1F5SHdOT29sYm9zVS1CellqOU1CdXNPNV9uek1DMjRYd1JxeGRtVjNTbWp1RFM4ZGloNXFkUGUtN3pEcW04N3poN0ZCcTFTcU5JbkQ4MV9YYXBzM0R1ZjhfT2ZCcHI5ZnlKVEtMa083VDFWSk1ZZmgtVUlQaHc?oc=5) · KVCR News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5684 (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/52.json (key "5684", 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=5684
- 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