# HUNTINGTON BEACH
Huntington Beac, CA · NCUA charter 60967 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/huntington-beach-60967

Who the members are: state charter, organized 1953. 1,954 members of 200,641 potential (1.0% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 98.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $55.8M |
| Members | 1,954 (-4.1% YoY) |
| Full-time staff | 6 |
| Net worth | $7.2M |
| Net worth ratio | 12.9% (p51 of band) |
| ROA (annualized) | 1.62% (p88 of band) |
| Total delinquency | 0.37% (p35 of band) |
| Net charge-offs (annualized) | 0.06% (p27 of band) |
| Loans / shares | 35% (p9 of band) |
| Cash / assets | 65.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.50% (p41 of band) |
| Operating expense / assets | 2.93% (p28 of band) |
| Vehicles % of loans | 27% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 14% |
| Third-party paper % of net worth | 14% (p66 of band) |
| Vehicle delinquency | 0.42% (p43 of band) |
| Vehicle NCO | 0.23% (p51 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 9% |
| Average share balance | $13,330 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.7M |
| Loans outstanding per 100 members | 98% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $8,779 |
| Loans granted, annualized | $3.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.7M outstanding purchased (24.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.0% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 2 | delinquency 2x band | net worth falling |
| 2018-12 | 2 | charge-offs p90 | delinquency 2x band |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 1 | assets shrinking | delinquency rising |
| 2019-09 | 2 | members leaving |  |
| 2019-12 | 5 | delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2020-03 | 5 | charge-offs p90 | members leaving |
| 2020-06 | 5 | margin squeeze, members leaving | assets shrinking, charge-offs p90 |
| 2020-09 | 5 | net worth falling | members leaving |
| 2020-12 | 5 | members leaving | delinquency rising |
| 2021-03 | 6 | losing money |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 4 |  | delinquency 2x band, loan book shrinking |
| 2021-12 | 2 |  | net worth falling, members leaving |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | delinquency rising, charge-offs p90, assets shrinking | losing money |
| 2022-12 | 4 | losing money, members leaving | delinquency rising |
| 2023-03 | 2 |  | charge-offs p90, losing money |
| 2023-06 | 3 | charge-offs p90 |  |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 4 | losing money | delinquency rising |
| 2024-03 | 3 |  | charge-offs p90 |
| 2024-06 | 2 |  | losing money |
| 2024-09 | 2 |  |  |
| 2024-12 | 0 |  | assets shrinking, members leaving |
| 2025-03 | 1 | assets shrinking |  |
| 2025-06 | 0 |  | assets shrinking |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | members leaving |  |

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

- 2026-05-20 [Nuvision Credit Union Partners with Veterans for Bay Area Military Appreciation BBQ - Contra Costa News](https://news.google.com/rss/articles/CBMivAFBVV95cUxQd3pjUWVLX1NSdDMxVWl4ZXN1YmEtQ1hQZEQ3bmVGTUR6SjFFQlhQMU5CdHpPZGw0WlBRTE8zN0Y3YV82QWlZYjdtYmJLcU14b0tIellTblpVdWlsNHhHako1ZHF1azZrdkRBWnJMZ0ZJX01ZeFE4S1QzaDNzY3g5MEJsdlVPT0RJRDFrMVhLdHAwMjJwYkpmZWlvamdhdER1aFE0M0ZpUzJUWW5heGZ3SmdrTUNIaDFfOTZveQ?oc=5) · Contra Costa News
- 2026-08-21 [Nuvision CU Clothing Drives Deliver Thousands of Items to Youth in California, Alaska - cutoday.info](https://news.google.com/rss/articles/CBMiywFBVV95cUxNZEV2ZU5wNER0WHAzMUJONS1lekxrOUt1RUVKTVkwZDU3eENzbFpoQ2gyNXVudGhIOTJMOWF6cF9sQm83Mkk0SXlUUHBwUFRoNHNVWG9Mc2RaMi01cW9LMUNFb2pGQnR1U2REcERrNE9lTDdVX01NQllfQnFqU3RMSkpFd0tiQVBKZmlHazNEc0prM204blRUM0h4TmVZWmcwOWh2anl2TFFCU090c0VoSTUtTVAxVDR1eFZJanRnLXZzV0pteWFzbnlwSQ?oc=5) · cutoday.info
- 2025-08-28 [Huntington Beach Credit Union appoints Aron Harrington as President/CEO - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxNalAtcDlKM09jSXBSV0dVblZrZmg1Wm5wVHFxdFc3eXFwblUwMGNXUWtqN253NGRwb214am84aktUQXVkNmtlaldOR08wd3NJa0VlbDYxZ1NfNDdyWW9HZVV6QWdlN2Zwbnp4SF9yNFl1VWdMSC1RSklTeTRMLW9KQmE5OU9DOHFXUGJqaXNFd1JuMm9OOTBwQ2VwOXRybWJpVEU0dm1QZFBWNlIyblU4LVdB?oc=5) · CUInsight
- 2025-12-03 [22 Charges Dropped in $400K California Credit Union Fraud Case - CUTimes](https://news.google.com/rss/articles/CBMingFBVV95cUxQcDRWWXI0amtwUXgtY19sWnZCckp5VTJoa082bWRZdFFOOVB2RjUzVjRfRUJiejQwc1YxU2pEaU1UN1VuV09EN09hQm01dVBpTFhndS1Gb3BlRHFxOHBscDY0YzN6OWNfTHNhRF9tN0hSdGZGNndOTGVLc1NhM0NlZVJaVTZQY3ZrRG5sdWZBVFQ1YVdES0lFQWhFOXc5UQ?oc=5) · CUTimes
- 2026-07-28 [Avenged Sevenfold Setlist: What to Expect from 2026 Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFAtY04yd2NldDhsemEzQ29ZeUJUXzhCWjRsY18yc3NiX0tmb3QydlRyMHJuUWtxTTYwbmExaUFYZVNHNk5xc3RReVZqYXR2YXhNdDZhOEMtU25qd1pKVWNzTk1ILUFHalk?oc=5) · Ticketmaster Blog
- 2026-07-15 [Nuvision Credit Union Partners with White Pony Express to Provide Clothing to Families in Contra Costa County - Contra Costa News](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPUlpiQ2gyYlF1T3E3ODl5MzNnbjFpbDc5ZHY3VjRWV05WUXVVVUxZSF9jdjg2QUExZlRTdHoxUzdwdXprZW90bnFmYUViUERCRzNubENKOEUyQU8ta0VfaTVsa3FGR2g1MHlRYVlrYV92RFAxTXlNRjhzRHBWdmNkU3JveFZQZTFaTzE2R0xiMXI0R1JWZTZaNWJxMWVsMmo5YWZNV0NaWVFOcmxadmdEb1N2ME5vUVpGckxlaU9TanF5OTdyNlhoY2dOa0RJNXZZV3hKX1FrTTU0SnFkMWs0?oc=5) · Contra Costa News
- 2026-07-22 [Lake Forest Restaurant Announces Sudden Closure - Patch](https://news.google.com/rss/articles/CBMilAFBVV95cUxQem82aWFuME1nZFlMNllZWnNHSVBPdkNtbzRPV0NTMkoyX29UZHdaS1JZbnUxdGg0VjhDbXFGM1RZN2hnUTJja3U4UXRHRHE4ZmpmQlhoRFVVOTNBb1BoM3hMV1FEWFhYLTZoYlQxajJia0V4XzJnY2hDZ0JTdWtJM2tKMnpxRG9BZ05JT1ZILWFZLVVY?oc=5) · Patch
- 2025-01-23 [Nuvision Credit Union and SafeAmerica Credit Union Announce Merger Approvals - PR Newswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxQT2h4alhkMEEtSjhZblVadk1fajdJcmdSVGtuZVNxYk5XWHFkZ3Qxa0FmUGlPTnpFT2JOQ1pMWDhkbEtOQlZPNl9xeU05bzlTaXFFemZxU2pMNEl1ejZsOENpSW54cUxoUE5SR3p6SmpnOFcwN25TVjk1bzdTTVM0VUV4YnZoXzd3cnM3STN2aDZtSlBIN0FaZDRxZGNXYTViTVlwLW02UjkzbkZyVmcwcnpBNUZxcmZWYU5lOTJxVUwxZjZyN2xvVnp5djU?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60967 (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/39.json (key "60967", 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=60967
- 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