# ROLLING F
TURLOCK, CA · NCUA charter 61128 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rolling-f-61128

Who the members are: state charter, organized 1948, low-income designated. 4,933 members of 15,000 potential (32.9% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 93.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $65.9M |
| Members | 4,933 (-1.8% YoY) |
| Full-time staff | 11 |
| Net worth | $7.6M |
| Net worth ratio | 11.5% (p35 of band) |
| ROA (annualized) | 1.07% (p68 of band) |
| Total delinquency | 0.85% (p65 of band) |
| Net charge-offs (annualized) | -0.03% (p7 of band) |
| Loans / shares | 57% (p44 of band) |
| Cash / assets | 25.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.25% (p28 of band) |
| Operating expense / assets | 2.90% (p27 of band) |
| Vehicles % of loans | 40% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 7% (p62 of band) |
| Vehicle delinquency | 1.79% (p88 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 23% |
| Average share balance | $7,526 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.5M |
| Loans outstanding per 100 members | 93% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $7,228 |
| Loans granted, annualized | $6.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.5M outstanding purchased (60.0% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.8% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## 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 | 0 |  |  |
| 2017-06 | 2 | delinquency rising, members leaving |  |
| 2017-09 | 1 |  | members leaving |
| 2017-12 | 1 | auto monoline | delinquency rising |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 2 | members leaving |  |
| 2019-03 | 1 |  | members leaving |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, members leaving |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | margin squeeze |  |
| 2021-03 | 4 | losing money | members leaving |
| 2021-06 | 1 |  | auto monoline, margin squeeze, losing money |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | delinquency rising, members leaving |  |
| 2022-06 | 5 | thin capital, charge-offs p90 |  |
| 2022-09 | 3 |  | net worth falling, charge-offs p90 |
| 2022-12 | 1 |  | delinquency rising, thin capital |
| 2023-03 | 0 |  | members leaving |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 3 | delinquency rising, members leaving |  |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 3 | delinquency 2x band | net worth falling |
| 2024-09 | 2 |  | members leaving |
| 2024-12 | 0 |  | delinquency rising, delinquency 2x band |
| 2025-03 | 2 | charge-offs p90, assets shrinking |  |
| 2025-06 | 1 |  | charge-offs p90 |
| 2025-09 | 1 | members leaving | assets shrinking |
| 2025-12 | 0 |  | members leaving |
| 2026-03 | 1 | delinquency rising |  |

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

- 2021-01-05 [Turlock credit union helps families afford dream home - Turlock Journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxOOTVvY0MwbkpnMWJJTkhuRG9DdVlnSlNJU0hJZ0h1eFNRZjU5RWhXRmoxc3NnM3VwdkNKRTE0bjJ1Zmpqc0xVMEl3b0dqLU1rSmFQc2l1dGg0eEw0eVNvOGk2ZmNyanRXbUpmcGhidFBQVkpuQ2dGTDUxVGRjMnJfM2kxcExBUGt4Z3BuZDFoRk9BcS1TbEs4MmttU1Y?oc=5) · Turlock Journal
- 2021-02-24 [How to get 100% of rent, utility debt paid off with Stanislaus County's assistance program - ABC10](https://news.google.com/rss/articles/CBMivAFBVV95cUxNRUlWam1EMkplQWo0SEd3cWpkWEstbGRSeUNiYWxxanVSdVJyaEtyOW91VHRnM3E0bjRadUdNWmZNOXE5Ykh1V0J5ZGdaYVh4dTBEUHJwRTdJZElubGZ3WS12cGRnTUVqYklzZUFWN2pmQTZqMTJLNWpPeWtYaWhtcnYwSkRxc09qakVib2YzU0lEX01jSGhuX1BTZzJuYkRndE1kdkZlLWlsUEJZaEl2d1R0RTViOWZzX2pweg?oc=5) · ABC10
- 2021-03-09 [Emergency Rental Assistance Program Taking Applications - Oakdale Leader](https://news.google.com/rss/articles/CBMilgFBVV95cUxOMHZnalYwU0k5b0g5ZktTcFJPajlha0NYRkJWSUQ4eS04UEZwZlVHakhNTzZuYWJTa0hWdV9Oc1JYR01EeExLRC1yazhfOXI5ZzR3cURMeHZVa3FoZ3JnTXhOekx4b3hBRTAwMzJaUlJTLW5fNUZGdUM3ekowMjZBYkd1eUdkbEJQQTF1WERmQ3V3RS00M0E?oc=5) · Oakdale Leader
- 2006-07-20 [Marilyn Bynum Obituary (2006) - Merced, CA - Modesto Bee - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQbzl0Z2gxRkJXQjBqTmotMV9aWWlhelNvOXVyRWVCRDJVOXE1LTBpS3J5TF9Ja05UVU9WU0pvZmVES2ZHLWlWaGRTUFBTeWk1aWFrZjI2Q1JndlcyRlVybG1VdmRfT2lQR2NJOG5KX05aUldRSE1rRGFpSTVRSEs0WDRxekFUVVBmMmROdDFEQ0Y?oc=5) · legacy.com
- 2012-12-10 [Maria Garcia Obituary - Turlock, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE8yWkJoamdlb2RzdUg2MmEzUHB6RUZ3N19oLTNlTzN6Qk1ZNVRWYjN3N2NtUk1sMDA4OVU1Vnd5bFZma2t1VmJTVUYzRWtQTnB6OWZkaHl4ajQ2OUkzejBLcGxfaDVsZWFkMjB3SVdocEJIdUNpVmFDay1PRmQtOUE?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61128 (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/8.json (key "61128", 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=61128
- 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