# CALIFORNIA
GLENDALE, CA · NCUA charter 60784 · asset band $1-10B · latest filing 2025-09 · stopped filing after 2025-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/california-60784

Who the members are: state charter, organized 1933, low-income designated. 201,474 members of 21,806,054 potential (0.9% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 44.

**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 | $5.25B |
| Members | 201,474 (2.5% YoY) |
| Full-time staff | 486 |
| Net worth | $490.4M |
| Net worth ratio | 9.3% (p19 of band) |
| ROA (annualized) | 0.52% (p32 of band) |
| Total delinquency | 0.28% (p12 of band) |
| Net charge-offs (annualized) | 0.12% (p8 of band) |
| Loans / shares | 73% (p18 of band) |
| Cash / assets | 12.0% |
| Borrowings / assets | 1.43% |
| Net interest margin | 2.38% (p9 of band) |
| Operating expense / assets | 2.55% (p21 of band) |
| Vehicles % of loans | 14% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 23% |
| Third-party paper % of net worth | 23% (p17 of band) |
| Vehicle delinquency | 0.26% (p13 of band) |
| Vehicle NCO | 0.63% (p29 of band) |
| Repossessed % of vehicle book | 0.00% (p26 of band) |
| Real estate % of loans | 66% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 120% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 27% |
| Average share balance | $17,209 |
| Participations bought / yr | $0 |
| Participations sold / yr | $16.2M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $39,139 |
| Loans granted, annualized | $924.4M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 | expense trap | net worth falling |
| 2017-03 | 2 | margin squeeze | expense trap |
| 2017-06 | 1 | delinquency rising | leaning on borrowings, margin squeeze |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | leaning on borrowings |  |
| 2019-03 | 0 |  | leaning on borrowings |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | leaning on borrowings |  |
| 2019-12 | 0 |  | leaning on borrowings |
| 2020-03 | 2 | losing money, margin squeeze |  |
| 2020-06 | 2 | net worth falling | losing money |
| 2020-09 | 2 |  |  |
| 2020-12 | 5 | delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 0 |  | margin squeeze, delinquency 2x band, delinquency rising, loan book shrinking |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | net worth falling, leaning on borrowings |  |
| 2023-03 | 1 |  | net worth falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | net worth falling |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | leaning on borrowings |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 0 |  | net worth falling, delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |

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

- 2026-08-13 [Best banks in California in 2026 - Bankrate](https://news.google.com/rss/articles/CBMiakFVX3lxTE5aVmVVZEZYM1VEbW1kUzZmUGt6ODlaeURnVURmaGxCUmVYTkpEY3U0YVlqYjEwYjJjbzRTRnZIYUlBeG91YWlKcXNnZ0p0cEpza01YN2lXZzlMcUw5UEtNSlNKTVF5RGIwSlE?oc=5) · Bankrate
- 2026-01-14 [North Island Credit Union opens new full-service branch in Temecula/Murrieta area - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxQU3NROFpkNy1nNGhRS2plZEtGV1VZMVlON0lqTnhuTEFFRDZSY2Y4NG5KblB4MEhUd1BEalFMeWpHdjNfUFdXc0thSUZfcEZUMlZTdXBwNFhFcVBiTVJvc0NPdWFUSndrNzhFZ19wLUNCZmVfdGRpWHlUbERlMHVNNjVVUGNVRnF1MnRmNXRyWjUySFYyWDhKcjVyUHhPb1JsRWtiSVRDb3J1LWdDR1FrTGxzWEIwRXBISXdpTE1FRQ?oc=5) · CUInsight
- 2025-12-18 [California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTGxlNEF4aW9OOVBlYVYxTjRYMDRvUHFnM3RSZjR0MWpGYi1MbXZHdU5RREhWalRxUENSYlZyQUQ0M1haYThOaWRZSHl5LWVselpYOUpBWmNnOHdaWWJxTXdiczhfc0hOcjFKZ1A1amtUT2k5UU0wRWd6Wk41aEJGOF9MOFBJZE5BeU51XzVyck1PUQ?oc=5) · Newsweek Rankings
- 2026-01-27 [Stay Classy, San Diego: Corporate Governance Turned Asunder at Cal Coast Credit Union - Yahoo Finance](https://news.google.com/rss/articles/CBMigwFBVV95cUxPN2Y4MXYxd3h4X2lqX2daNHRTdzZuSERjeXR3V3ROT25RaktrYUh4SXh1QzNtcEhTYkNENDNQWldCVVNIZ3ZrMzczbVBnSUNEaUVKeEdhV21fNjNXRDJqcG9jSGlqY3BnbGhlNE5rbGhmSHZkMEltbnluZjV4R2p5Wm9wUQ?oc=5) · Yahoo Finance
- 2026-01-27 [San Diego-Based North Island Credit Union Returns To Riverside County - Patch](https://news.google.com/rss/articles/CBMiqAFBVV95cUxObXlrNW9qNHh4ZXVwU1pOdlpxTlBldFV1UEtzUTlzMEJOQjNoN1UtZGdIUXZpcWdMZlYzcXB0a1VzUHE2Wk1FUk5oeDU5dUZseHJjcGI0SHBzTlU3aGpZXzFrWGZlS1ZNZWhGUjF5WnZyc2NZYmM1WHpBeWVBTEc1VzYxOU96MmFQc2hWM1VqVjFQN3NXT3NucWVhcDM2QnhMeWR2QU84VXo?oc=5) · Patch
- 2025-03-11 [ICYMI – Issa Meets with California Credit Union Representatives - Representative Darrell Issa | (.gov)](https://news.google.com/rss/articles/CBMinAFBVV95cUxQZjVnUlJZeG9iVG84WlNhTjUwd3dJTlNqRmtSV2laZ0FGQXhuczlfVUc3MS1XTkk0TU9FQnZfWmY0QnZFb1BmX3hHbEFwLXZySFpZR1VycWZvei1sTTM4UFBBbmcyMlJWSk9BLVZMSlB0OGlBV1VrMkRNTVJPcGdoTVpFdVI0dkQxYjJSZ0REUkNuU2ZtemF5SHhLT3I?oc=5) · Representative Darrell Issa | (.gov)
- 2026-01-08 [California Credit Union League Asks Judge to Suspend State’s Zombie Mortgage Law - CUTimes](https://news.google.com/rss/articles/CBMitgFBVV95cUxNa3c3blVnQWNIRnJ2U193aVdsY2k0TTV0OFkxWW4wNHZKVF9jVTc1OUZHZ0RrcmNwbmZxRzZqYWZBV09yUGhvd2RxRVNTYno3Q1BROFJBWmtLNkZRbk9XcnllaktTRmFtclVEOVZIbmRvVkNIRFI2cDVmUDlSenVmc1E5OHR0NzI0S3lIcHdIcVo5ejlEc0hSTzQyWXNRZ1BNdVZQRTZyamVWMFZZMXlNb045d0RRQQ?oc=5) · CUTimes
- 2025-10-10 [Credit unions will celebrate International Credit Union Day on October 16 - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxPckt0VllqUzd1TlFFRzlZLU9ZZDFQQTRKRFJPMDJ5RENVaHF1X1dIelgzdlJLeFJ6YTk5Vjd2a3dxUDdydGZfODFKQl9IOXhsT2NWcVNuV09zUlJGbzRYc2Y3RmtMOUc2aVRsbDFoSnhWRDdHZ2IxRVJiREJONXh0RGVKSFJfU0dzbmt0ckVVTTNTOTlfTzdORzh2Z0RtMzlmdDFDaUIydFZqT3FHbGpWRUw5bzM?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60784 (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/48.json (key "60784", 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=60784
- 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