# PASADENA
Pasadena, CA · NCUA charter 594 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pasadena-594

Who the members are: federal charter, community charter, organized 1935. 25,343 members of 1,625,914 potential (1.6% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $381.3M |
| Members | 25,343 (1.4% YoY) |
| Full-time staff | 49 |
| Net worth | $41.5M |
| Net worth ratio | 10.9% (p44 of band) |
| ROA (annualized) | 1.01% (p72 of band) |
| Total delinquency | 0.51% (p41 of band) |
| Net charge-offs (annualized) | 0.31% (p43 of band) |
| Loans / shares | 66% (p32 of band) |
| Cash / assets | 3.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.77% (p64 of band) |
| Operating expense / assets | 3.73% (p51 of band) |
| Vehicles % of loans | 17% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 2% |
| Third-party paper % of net worth | 2% (p21 of band) |
| Vehicle delinquency | 0.39% (p35 of band) |
| Vehicle NCO | 0.50% (p43 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 91% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 20% |
| Average share balance | $7,196 |
| Participations bought / yr | $37.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $38.7M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $18,915 |
| Loans granted, annualized | $75.6M |

## Participation posture (from the same filings)

Bought $37.9M and sold $0 in the latest annualized quarter; $38.7M outstanding purchased (93.4% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares -3.4% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 3 | losing money, delinquency rising, 3rd-party paper>100% NW |  |
| 2017-06 | 2 |  | delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | losing money |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | net worth falling, delinquency rising |  |
| 2019-06 | 1 |  | net worth falling, delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 5 | thin capital, margin squeeze |  |
| 2020-09 | 6 | delinquency rising |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 4 |  | margin squeeze, delinquency rising |
| 2021-06 | 1 |  | net worth falling, losing money, thin capital |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 4 | losing money, delinquency rising |  |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | thin capital, net worth falling | losing money, delinquency rising |
| 2023-06 | 3 | losing money | net worth falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 3 |  | 3rd-party paper>100% NW |
| 2024-06 | 1 |  | thin capital, losing money |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | assets shrinking |  |
| 2025-06 | 0 |  | delinquency rising, assets shrinking |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

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

- 2026-09-02 [PWP Plans Low-Interest Loans For Home Solar, Battery Projects - Patch](https://news.google.com/rss/articles/CBMingFBVV95cUxQRHEwU1dWRm9DRHlMS2JaaXV6NVVJNmY1aGlmaEZHanRuTDQwVVhwYXgwdkZMTl9kTWxkM0JWR29FRnMyVTVOYjBaZ2tZMV9NRFM1OElRWjhPblFkX3ozNUJqTjdEeGFZeTZzeHVRNnU3MFZic0lfU3k5cUtMVFU4dU83T3J4MGVmdGFGWWloVUJHdUh4REl0ZHFiTTh6QdIBtAFBVV95cUxONHFYOV9WSWNrSnAzVXhQeTFJcmstNkR6QUN3Y1JMVEtrYVk1eVFWRXFoa01RNjZqdDdHODZDQmlBUnpZT0FncXhxQzRWdm5MenhnZzZNWTBEMGpYV1NwV3FQYmpRMS1KV1RORDN3V2xwWTRJcjlXbmFsbmRqTjcyaFdVdUtSSmVZTzVUQ0RMZlJpM2E0NUotQ3pzM09mZUk5Q1M3dm1OenV5Qk9xU1BtS1Qzd0k?oc=5) · Patch
- 2025-11-21 [TOR Hosts Community Open House in Partnership With Pasadena Community Coalition and Support from the California Credit Union Foundation - Tournament of Roses](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9kSWxTQkdMWjdDcEdJdFpmdXItNHZIS0FOTzd4ei1XdnFHV0JsVko3TnQzb1RuanpsNXBQY1NCNjFMWUhHS29nc3Bja2hiZGVxeTJkc2pmS3k1TnJhVW13ME9qLVhqYm8?oc=5) · Tournament of Roses
- 2026-04-08 [Pasadena Federal Credit Union Continues Partnership With Mahalo Banking to Support Member-First Digital Initiatives - citybiz](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOSC02SG9LMWJnM245VWFnWGtKbHhwTnFEOWwxVUFnYnJqUFV3b1hWWHRWQThSV0VlVEwzOUgtTHdRSGd0ZGxYNzJWTkctak9pTkJjWFkwVTZEdS1fbGp0eWxBUGt4TGVGOFRXUFlwckJwTmMtSWQtdmxjcVppTmtpYjZibzdsY2xWd2VGaDZUbGRZUHBYalg0NUdIc2pRN04wREhUYWZyVFVOZ2k1bk9HZVN2Y1I0eEV5cmUzOTR4X3VUbmlEbzhlOW5LQm5yT19TZzBGWTlyeEVJaUJWS25EbmFOTU1QTG1Tbnc?oc=5) · citybiz
- 2025-12-09 [Bite of Reality: A Pasadena Credit Union Teaches Teens What Adulthood Really Costs - Pasadena Now](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQanRJQU9VbEJSQ2ZJYkp3T28yN2hmXy13Mmc0eEFuSXVYSTgyQ2t1dzRYZjhkZTNvRnk2TExXd1ZWdE1JejdJRXVucGdzMy1RQVh2NmdIbHJ0RFl1RmFoLUVlNEFBOEFwX08wUmo1Ymh5U3lGUUpNdGtNUjVjSFFRUUctMmRjVUdnTDllbnllbFZScVEyVEI3MWF6UzBZcDZZUjJyZUpEWTRMUmNlQ25mMGNoUEY4RW1TSmxr?oc=5) · Pasadena Now
- 2025-09-15 [Pasadena Federal Credit Union appoints Hrach Kahwajian as Chief Financial Officer (CFO) - CUInsight](https://news.google.com/rss/articles/CBMixAFBVV95cUxPTTRnWG9NSTIxNm84dmhaMUFNcHdoT2xGeDd1V2VjTzBUQUNGUXR1a0x2Z1RwT0RUUGRSQUJzak5TM0RldU04MUp2ZlpLUHVHUDFWZDFjZUZ4MThKVGppbmhuVWNHTnBWel9QTy1PZFRPRktDa2NSczFjaGpZYjJoRVZ4dTRBSWY1MEIxTXk5b3YzMWRDQW1qMUx6MTFRdFN5QmJJRDVjUVBJWl85dzZCSEJuM1gzTU15Z2RGRDl0d205a0Ju?oc=5) · CUInsight
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2026-01-23 [E-Central Credit Union Pairs Local Decisions and Strong Capital to Support Small Businesses - Pasadena Now](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPU1NhN0NkWXZQVW1fMUZlUUhoTHlPalRMSlVTUV93TnQzU3h6VjUtLXVjRmhNa0JNZ1FsdkhVbW9BNWJZZC1zYUJzNzhVY1VmZ19SbXNTdFNObEVRUW9HYjNSUFZoUHpSYzBDcG50U1RqYzB4a0l4VDk5ZnQ2TUxzV1VrZ09uWkhUcy1Qb01jZVJRWHFnRU0yVldEdHFSSUtPaFdnNWlxZ050TEF1S1VwWko4LVFuTWZScWp3dm96UjQ5M3dSTTh2VQ?oc=5) · Pasadena Now
- 2026-02-27 [Wescom Financial to Lay Off 71 in California - ThinkAdvisor](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQm1aa2tFTWp4VW5ndGhCbk4zS2Z3TEJpZ0hqaFBUNDQ0dm5yenlYVktiSHBWMlFFT29fMUdNU3FJdjJpN2wtZ1Q2UTRxN21RWDVxQ1gyb1VkN1RZSHhzYkJwN29LNFFqSHg1dUk4VDFKVG9iYkdlbXN5X1hGS0V5T3BZZnhmcVN3WU41Wkln?oc=5) · ThinkAdvisor

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=594 (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/18.json (key "594", 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=594
- 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