# PACIFIC COMMUNITY
Fullerton, CA · NCUA charter 60847 · asset band $100-200M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/pacific-community-60847

Who the members are: state charter, organized 1955. 10,171 members of 200,000 potential (5.1% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $182.5M |
| Members | 10,171 (-5.4% YoY) |
| Full-time staff | 38 |
| Net worth | $29.1M |
| Net worth ratio | 15.9% (p94 of band) |
| ROA (annualized) | 0.52% (p52 of band) |
| Total delinquency | 0.31% (p19 of band) |
| Net charge-offs (annualized) | 0.80% (p86 of band) |
| Loans / shares | 61% (p27 of band) |
| Cash / assets | 13.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.19% (p60 of band) |
| Operating expense / assets | 3.29% (p36 of band) |
| Vehicles % of loans | 46% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 76% |
| Third-party paper % of net worth | 109% (p68 of band) |
| Vehicle delinquency | 0.32% (p30 of band) |
| Vehicle NCO | 1.40% (p90 of band) |
| Repossessed % of vehicle book | 0.00% (p29 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 11% |
| Average share balance | $10,579 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $21,487 |
| Loans granted, annualized | $47.2M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | charge-offs p90 |  |
| 2017-03 | 2 | members leaving | charge-offs p90 |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | assets shrinking |  |

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

- 2017-12-05 [Pacific Community Credit Union merges into CU SoCal - americanbanker.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNOTNqOHVtaUVwS1JSajZoVjhPOXN3Ui02X1B5YWUyRE5qUm8wdEl2SVF2WktxNXRpcU1yNXJBTDNaSktvVmJZNlpGQnZSWW5uS2lIWmJDTWgzVEg0LTBIb3NTM3NFaW1vS1U3VnNJOXVCWnQ3VU9Rd2d2elAwYUx4X0l2WkhFYm1uMkNUQ0lZTmk3Ni1Xa3ctSTNDeDBPakdja0E?oc=5) · americanbanker.com
- 2026-03-26 [Vern Elliott, Retired Marine Corps Captain & Credit Union Leader, Dies at 88 - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxQV2Z4V20tSW9TdldRUlpOTVdLZlA4a1hSaU1ITk01c19QMlc2NEhHbjJoRzRJbmx4R2FnRmhMc1o5QVRiOHhMenU4ZFROYjEwTU5UcEtqZHlrc3MwUXpQdFhxell2cmctNjNRZnlrczVCSUlqVDJ0b0g4MURUM3RCM3F3SzRJcF9LODhoY3pYS21wQWc1QTJBRHRCQU9sa0k0LUpva3lVcnhmV2ZDMUE?oc=5) · CUTimes
- 2017-12-11 [Status Update: John Galardi named president of Wienerschnitzel; two local credit unions merge - Orange County Register](https://news.google.com/rss/articles/CBMiygFBVV95cUxNMmlqR05KOXhxWWVLbXZVcFpReWJsb2pGT2xqUEo0UVptaVJJYlBWTGtiYmlwMkM4Q3EtQzBOa3NDZTYydlNhc3VNUkxCUXJEWi1tOWU4V0pSR2J2QThMalpHNjEzMV95NzRNMWVqMXlBY0hMTXJ5b2ZvdGVsNERIVER4UWg0UTZNODg0bEgwOTVBN0k1b1VwRjE1eFRUSDNPT3pWRllmM2lFRDdHVUJwalhZOXZCTU9icDIzNDRVVWh5ZGItcFBZUFp3?oc=5) · Orange County Register
- 2023-09-16 [Follow the Money: Who Do Fullerton City Council Members Represent? - Fullerton Observer](https://news.google.com/rss/articles/CBMikwFBVV95cUxPTExNSnVfUklENmRjNnN1WGY2a29QSm5NZDcxVFRTRWptQU1VdUd1WW1HcnNfejJNWWxwdUx3bkxVM3ExeVR3M1R3Tm96cGFVTjJmNDlacjUxZVM4U0tLQWN5cDVMRW9BckJyUEJqRFJ4WmdWQnVscWt5b3RWVWJWczFQblZLWm5aOXVhMHVIZDY2Sjg?oc=5) · Fullerton Observer
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2020-08-26 [CU SoCal to acquire small hospital credit union - americanbanker.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQckR3bXBldzN5cHdvNTBOUXpEcTVzUGlzdUUzWlk3dTVVMF91UHNPZU5oN2VPNGFyZ0VCNWpLcHU2M0V3VW9zSzZ5dkthdV9UUzhpWmVDYTAxNDgwWTg3UnlYZGJfWkhZU0pNc3BFVVk3c2xGUUlZV1JXQWpVMU9OUXg1Q012QjN3LXJIMFhuOXJfVXZ5SHNDc2hlQ1E?oc=5) · americanbanker.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com
- 2012-03-17 [Morgan Marketing hires Jessica Riggs as senior account executive - Orange County Register](https://news.google.com/rss/articles/CBMipgFBVV95cUxNMVE1U0VaUmpsRWhFc1NsZTg4cDgtdms4ZktxYXBONDhISy01aUFRY2liekc4WDZ5LVVGaDVyYkR5NkJ1RUxWNlFsMThXRFNmT1hBY2IycTNMVmxvNVNPMlRBQ0ZsSjVwR0w5UWhFeHNrTXZ2bG0xREVaYkdid0kzaE5SWmV0R2hBRHY2M1F4NWtPc3Nzb0VHOHE1b1UtYnNDUzI4MEFn?oc=5) · Orange County Register

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60847 (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/47.json (key "60847", 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=60847
- 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