# INTERFAITH
MONTCLAIR, CA · NCUA charter 5816 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/interfaith-5816

Who the members are: federal charter, multiple common bond, organized 1948. 4,778 members of 500,000 potential (1.0% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 75.

**Verdict on the desk:** this could be *quiet fade*. 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 | $135.4M |
| Members | 4,778 (-12.6% YoY) |
| Full-time staff | 29 |
| Net worth | $15.8M |
| Net worth ratio | 11.7% (p50 of band) |
| ROA (annualized) | 0.65% (p46 of band) |
| Total delinquency | 0.61% (p49 of band) |
| Net charge-offs (annualized) | 0.01% (p10 of band) |
| Loans / shares | 61% (p35 of band) |
| Cash / assets | 22.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.06% (p17 of band) |
| Operating expense / assets | 2.82% (p22 of band) |
| Vehicles % of loans | 7% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.00% (p3 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 107% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 31% |
| Average share balance | $12,160 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $20,381 |
| Loans granted, annualized | $29.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $0 sold and retained. Sold in 2 and bought in 0 of the last 8 quarters. Shares 8.2% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | thin capital |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 2 | members leaving |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 0 |  | members leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | members leaving |  |
| 2019-12 | 0 |  | members leaving |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 2 | delinquency rising, members leaving |  |
| 2021-12 | 2 | net worth falling | members leaving |
| 2022-03 | 3 | delinquency 2x band |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 0 |  | delinquency rising, delinquency 2x band |
| 2022-12 | 1 | members leaving |  |
| 2023-03 | 0 |  | members leaving |
| 2023-06 | 1 | members leaving |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 3 | net worth falling, delinquency rising |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 1 |  | members leaving, net worth falling |
| 2025-12 | 2 | members leaving |  |
| 2026-03 | 1 |  | delinquency rising |

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

- 2025-12-18 [Interfaith hosts winter wonderland “Gift Mall” for local families - Escondido Times-Advocate](https://news.google.com/rss/articles/CBMipwFBVV95cUxQcmRxaHp0d0VHcks3MVdhSXdQdWlZanVPb3hCRkxkc2VyRkpWc0dYVG1fS0JBYXJES1B4bHlZSWlRQldiNFB2TWpMeEE2eVV4UmJPRXJDc1NDbXdadHBvZWRlRWtVMW5YQnpmWXFFeVJ4ckwyREpZUkxLdjJzZ3BkUVBpX3ozWURiWWxJNWdpUy1nOER2YkF2TXM5VXhiZTRYTDVTUXVvcw?oc=5) · Escondido Times-Advocate
- 2025-12-13 [With the need greater this year, families shop for free gifts at holiday giveaway in Escondido - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNY0RxMUdYM1Q5ekNNSHpMMXhQaV95RzU1SWdWVGU2NWpydGp6NGhUWXNaa05XcVV4NnNBUkQ2UVd6OFZ5cTNBeEFoZ3pyOFcyN1ZpYjlDcGlOVUY3UXdxdzZxa240OWZMcUtfOWxOU0oxbWhGa0lmbHg3eVVSZEUxWEY1bkV5djFOVXVhN1FUdWFxdFk3eWxvZUwyRy1ZeWQtcDQtTEZfenRLaTBjUUpRQmFoREZmdmZZV3dtODN5UnhNUXJKalI1Z1YzZU12QTRSRDlTeWZqUkNSZw?oc=5) · San Diego Union-Tribune
- 2025-11-03 [Hundreds of kids get free Halloween costumes at Interfaith event - The Patriot Ledger](https://news.google.com/rss/articles/CBMizAFBVV95cUxPTzNtQm9uM01MLU9GOEx6aXdqV051c2hhamotbk9uWkM0WVhvbmhOeFVFTWQ0M2dJeG9FX3gxT3NYV3dsblUwTi0tc1dscWZsRkZZQk1OdnUtYUlEa2hsQnlTQndvbjNGRHhQcnlSU3EtSUVTbXBmV0lINmwyWm12RzNabkF3b05EUDJlbm90QXQxTHVsX29hdnhOOUFuaFFNTTFDNmxNclBJYldDYi1kRm1MdDNRSmZPX1pmQThiRGE3OEJ3YnZrUVFWV2s?oc=5) · The Patriot Ledger
- 2026-05-25 [Ferndale Pride to feature drag shows, climbing wall - MLive.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPdXhIWW5mLVZDLWJaVDhTckl5Zk80aDRMREQ5QUhOV2R2cE9nTzBleTdEZGFpaG5yb1l1cnBha05HeVVya3dkWkRjRWRQb2dIaDB4cVRHaldGdXJxTzN3VE5Ia0hHTGM3MmZ5N0tablp0ZC13c2dCSDJYZHk1Z0NFNURmS0pTMlRjTFNvNWdTSWp4X3lFbjJMbUNpZUwwNVdYTUM4MGo5b2_SAbwBQVVfeXFMTmFuOU1IZEFQZUFwcmpMNnpZT2dXVmFhVkhaNno1SzZVLS1xeWxWSUxkRUtBdi1IRWxGbndJbnVxb20xeVJtSW8xbk4zaFEwSTZmRE53YnRldGQyLUgzMHEwWEoxLVl4WG5hdThubTY3cmpoakxSODhJMmtTbVVkcjU2bjhEeFVNZjRtSzFkeHA2ZF9CM3FFN2xidkx4eGYtZ3RmVUZvZU5RMm01VFBCUllTVmsyWlMzZG5kY08?oc=5) · MLive.com
- 2023-05-25 [Extraordinary individuals in healthcare named to the Healthcare Heroes presented by One Brooklyn Health and Bethpage Federal Credit Union | amNewYork - amNewYork](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNMTJVNEFsVGcxY05KeVo4RXZQYmNsenB4NmtabnIzcmZTbkNvOXZXUXdocUlrX2VkQVRnZzdvLUZvd1QtWm0temRxdVB1Nlh3OFJaWTZHSFM2aHFBaERwcHNFdXd3ZzlhNjBtakdmc3FDNl9mT3k3djV1eXlHZERkcmtKUFppcVVFWi1mT3JSbmZoSFdPVjFYd1Y0MThLNmwtWFJ4VmhiTzM0Z3p4c0xEXzR2Snh3M0sySGhfek9IdnhucnlwS0lWRnRKUDRyMkgyeUQ3aHhLX1pYOXEwQjg2VWN0Q1EtdlktckthT0xMTjZ6TC1BZXdz?oc=5) · amNewYork
- 2025-01-20 [Interfaith accepts new conditions to continue operations in Escondido - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMiugFBVV95cUxQb0h3dmtrVlp0MDRiU3pKTENRbjlkWW9zWTd4cElfLTBFOUZ0cC1RbDRRSU5vQ214dGtFUHFJa1AyS0xiRFNQdTJzanFuN3RxTWU1SHVGMnM2RmF0MTVuWWVrUUpmMzJzTjBHRktOSGdPSUtQem1oVEZwNjFGNC0wazBjSUdrV0prdHpYLTlyT2J6SEc4bkZ4NUJ4T3BXdEFlbTBwRlBfNjdQeEctajlycmp4M05GZEhzRFE?oc=5) · San Diego Union-Tribune
- 2023-04-06 [Program to help homeless get rides in Jackson being funded by credit union - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2024-07-17 [Photos: Pride at St. Paul’s - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMifkFVX3lxTFBWbVlpNi0zM2N6N1hvZVhzZkZDb2lNME9EbHY1cnd4Rk5IZnFsY2RuNkJ3OGMtTjRTU3VfZ1JfN0dOSngweElVTktpcGZxNExjTHR0MGQxZWxJZmh2U0xGaTA2Ml9pRUVkUjNRWjktanJJOUtfMVJFLUhudDdWZw?oc=5) · San Diego Union-Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5816 (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/56.json (key "5816", 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=5816
- 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