# CHEVRON VALLEY
BAKERSFIELD, CA · NCUA charter 60996 · asset band $100-200M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/chevron-valley-60996

Who the members are: state charter, organized 1935. 13,318 members of 642,000 potential (2.1% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *auto monoline*. 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 | $124.7M |
| Members | 13,318 (– YoY) |
| Full-time staff | 40 |
| Net worth | $13.9M |
| Net worth ratio | 11.2% (p63 of band) |
| ROA (annualized) | 0.02% (p9 of band) |
| Total delinquency | 0.68% (p45 of band) |
| Net charge-offs (annualized) | 1.38% (p96 of band) |
| Loans / shares | 62% (p33 of band) |
| Cash / assets | 18.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.73% (p87 of band) |
| Operating expense / assets | 4.59% (p85 of band) |
| Vehicles % of loans | 77% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 308% (p92 of band) |
| Vehicle delinquency | 0.67% (p52 of band) |
| Vehicle NCO | 1.73% (p93 of band) |
| Repossessed % of vehicle book | 0.30% (p90 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 4% |
| Average share balance | $5,177 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 113% |
| Average loan balance | $10,954 |
| Loans granted, annualized | $32.4M |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  | losing money |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |

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

- 2011-11-14 [Former Councilman Thompson arrested after hit and run - The Register-Guard](https://news.google.com/rss/articles/CBMisgFBVV95cUxNZ1doak9wdkVRaGRNaHJuZkl6Y1pYOXZ3UzlnVnVGZVB2MHVlWjRqc3J1clR4ak5LeV9EcDhNbm96QXRqZ1J1UUVyVTFmY0RXeDItelBlamlOU1pkZUEySlpkbVQ4LVZ6Z0VLUVdDc2haVE9vU3dNd2ZjOXlmM0R6blZLQU9rZHRxMFB5MlhTWGNWc2lLU2QyNFRYUzh5TkdqSzdBanpCb01mZTRZWVBUd2ZB?oc=5) · The Register-Guard
- 2011-12-27 [Memorial set Wednesday for fallen soldier - santamariatimes.com](https://news.google.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?oc=5) · santamariatimes.com
- 2026-07-21 [TC places at least 35 students in paid summer internships - taftmidwaydriller.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOSkVpSEZEekpGVEprSUpjd19aelUtdUVPd3FTX1JxVTBlOVRNLXhuSGhUQ3BCTERJMFAyUzRhdEZ0SFFSQlRFeGlmakp5d0FiRlR5Z1Zpdm55OHFmYUFsd18wOXJkRF9xa0tKQkx1WGF2UzA1UUwwdE1rS3pMYTA0NjF1OWtCU2p5bVpGZkNQclJYTWx3enZFNGQwdUd0dFZmWTFRSF9NbXdtWWZDMDlqakV5NVI3RFo4MkxxMVY2TEJ5RTk3VUpGem45T0Vhelc1WVBSWkdfSzRyQVpzRm5V?oc=5) · taftmidwaydriller.com
- 2010-09-28 [Community rallies to support Matt Fuller - Galesburg Register Mail](https://news.google.com/rss/articles/CBMimgFBVV95cUxQUEZ3Y2ZvMEs3Q0ZNX0llTVQ5M1FEd3M4SHQ1M2JYMlhTVmFEOER3QjYxdlp4cUlKR1RtVWdCOU0yUXBTUlYwbDJ2cW0tblE3UW5DSFQ3ODFjYUlHQ19PeExrQnQ4bUZVMDA0OS16Rl93V1FUMU5mLXVxMmtHNFVlZEpGdkc3aE0ybkxyQ0dzQ3RvZXJaMncxU3dn?oc=5) · Galesburg Register Mail
- 2025-03-31 [Sam Allen Monroe II - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxONmhrM21KT0RoaXJXZmFMLUZ0RGxQckotQTMtaXRpTUt0XzRjSkVSLXplQ19LU0pnTEc4eVFXMHYtT3Y2dy03Q0tYdHlCdlo2Zkw4cUEzMXp2Ml9sNGhieFVwTlVjaTlxYzhvX256SGdHZ2lHTThGNkZHWUVURXM5TG1xWV9ycXN4cWlEUA?oc=5) · legacy.com
- 2008-02-08 [Christopher Kidd Obituary (- ) - Bakersfield, CA - Bakersfield Californian - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQamRkUkQtbVA4ZVMwVXhBSmlIMVo0Wl92UFc2WnBTYUNvV3BRemtSVVlFR2JNZ2xCREJzdlp1dzBRWWM2c2dIMjhWaEs2dFRTLVlRT0w4NGZ5aU1SMTh1RGVkN0R3anIwd2g0Q3NGZEw4WUNlYVF4cWY1UzNxZEdDSFVGNWgwRlU0Z1BnOE96S3AtWVdMN3c?oc=5) · legacy.com
- 2014-02-11 [Moriah Miller Obituary (01/15/2014 - 02/06/2014) - Bakersfield, CA - Bakersfield Californian - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQN3VzVzIxOW9CQ1JHYXJrS1I4NnpUbTlrdDVoTURicENPNHBOWXI2enYyT3d3c0dlTXY4TXg2MXBtLU1sMjJyRDZjTUZrbkpWdF9QWHVKalJFdFlmeHBqWTZ2RWFwVXZ3S2lxN1hBMFVSeUkxZ1cwY3lpRHNPMktTci1iVEUwOWZSS0M4Qk9EU3JKZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60996 (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/4.json (key "60996", 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=60996
- 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