# SLO
San Luis Obispo, CA · NCUA charter 61779 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/slo-61779

Who the members are: state charter, organized 1953. 1,315 members of 50,000 potential (2.6% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 74.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $29.7M |
| Members | 1,315 (-16.6% YoY) |
| Full-time staff | 6 |
| Net worth | $4.2M |
| Net worth ratio | 14.2% (p45 of band) |
| ROA (annualized) | -0.68% (p13 of band) |
| Total delinquency | 0.74% (p54 of band) |
| Net charge-offs (annualized) | -0.11% (p11 of band) |
| Loans / shares | 58% (p50 of band) |
| Cash / assets | 6.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.05% (p20 of band) |
| Operating expense / assets | 4.31% (p66 of band) |
| Vehicles % of loans | 29% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 60% |
| Third-party paper % of net worth | 74% (p96 of band) |
| Vehicle delinquency | 2.35% (p83 of band) |
| Vehicle NCO | 0.07% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 29% |
| Average share balance | $10,714 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.4M |
| Loans outstanding per 100 members | 74% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $15,538 |
| Loans granted, annualized | $6.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.4M outstanding purchased (80.7% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -4.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

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

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

- 2026-03-09 [EECU named Best Credit Union and Home Loans in North SLO County - CUInsight](https://news.google.com/rss/articles/CBMipwFBVV95cUxOeWJQVF9RWXh5UEVXWHJnU1FOaVZTLVR4cXBJWWRpbTBqelJzNVc2RVozc0Yxd3puUGFfTUEwb2tEbGllLUZIRGppOXRhT2g2VzJHY3Y3VGlxd1VkVGNYb2ZRZlE0OFhuYm9INkpIWGtNdnNKcVBBNzc4a0s3OVlrTHRyUGxGalNOY0tWeGFXLXlVdnR0UF9sWURoTktaWjVGZ2R4SVR4SQ?oc=5) · CUInsight
- 2025-12-31 [Truck crashes into SLO credit union patio. Driver arrested for DUI, police say - sanluisobispo.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ab1VDY1JxZmlsWXc5cGdTMmtndjJlOGZ5QmVhN0ttUFFLcmgtbm9FaFNQQzVQZGp2enVyNmI2d2pKU09mZER3emQtQ25rSGg4YS1lbFctQ2xpcFUySVY1ZldtQ3ZsVjE0Tkh3UHlvTm9CQ3VQMWpZ0gF3QVVfeXFMTzlVZzc4NUNtR05IMmFzNHZ5cE1PcldQbjhINkhFbW5UWGItcm9oQjZrU3BQUmk4MWMtZ3NYNlg5cUhvWWZqcU5vb1FkcjRoSFBqVXFvdTREblVlbmdrUzVtMUp5MHZRdDdwN2Mta1RNTnZmVFQ3dlE?oc=5) · sanluisobispo.com
- 2026-01-02 [Driver Arrested on Suspicion of DUI After Vehicle Crashes Into Outdoor Patio - edhat](https://news.google.com/rss/articles/CBMirAFBVV95cUxNZlZhZ0RtUjdlNGgybFFTNVRJWmpjRWlUSjlCVnpiYzdmTGZhUkRuUjJBYVhiNmpuTzlaYW9uSWFxSFU3dGpreTFvQ256MVp1VkRxZUJyYTNtNmlGVll5RE9hM0JoTTRDanc0MEtSMjhyVXgyS2VieXVWcUJBZERwR1RmTC1sVHVZcGNuaG05ci1PQnk1YU5memhyOFNoblN6TXd5LU5rNlBuSGR3?oc=5) · edhat
- 2026-01-19 [SLO Chamber of Commerce names citizen of the year. Here’s why she won - sanluisobispo.com](https://news.google.com/rss/articles/CBMib0FVX3lxTFBVekVhV3N6T1ExbFJpLTNMbTZQWTNQT2hNQ0dMeHMyaVY0VjRuVktkekxtVzRFQ1U5U2NDN3d1dzFsX2RfLUYzQkg1ODRpX012Q3JpaFZPN3paXzhTYS1ncG14X3RULTQ0X0hYVkxzSdIBb0FVX3lxTE1yQnFCTnVCeXJnNW1reGptVWVYbVFNZWZDdWpHVWRycU9MMjNFQjBlc3RWbDNBbVBDMGlwRjVtRFYtME1menZ1QmpzOTJ0b2Zwbl9MLUxnZDZPNEo2OU5yQ1A4NFlfSzVVd204YXBTaw?oc=5) · sanluisobispo.com
- 2025-10-21 [EECU partners with SLO County Office of Education to honor educators - CUInsight](https://news.google.com/rss/articles/CBMirgFBVV95cUxQLURaOXJ6SmJKVE1kQVFFWFhOZUoyb21UYVlhbmd6cFpEejZMbnRrRkVLTVQzOTlLN2JSS2xXYXZDUlZCU3ZXLTZrQmFoUG1oNE1CcmMxVW5TVmRxRHJVc0Vjd3pKRTZqVWxaODgzQklGcWt1WTZoTmwwMXpxZmRtbDZ2NzdPTUsxN1lDVFB5NTBSVDQ5WUJPbGNSbXQtc3hYOGNMWmtSSXRRU0dKa0E?oc=5) · CUInsight
- 2015-09-25 [Credit Union Veteran Suzanne Leedale Joins CoastHills as Vice President of Branch Operations - Noozhawk](https://news.google.com/rss/articles/CBMiogFBVV95cUxOeFc0YzFFb09rUi1hUmFNU21BdTZ5WkFWUHI2RDY2UDVyR09WaUxXdFRwS1NiYk04anZUcnFKR01Jel94dnBJOHhxRC1Td0psMVVic1ZYcXJGdmxLRGVlY1A2UEl3OFdxN1hWQk9Hem14ckFwRzhiNk5wZ1RjVmt1WmZ1MER5WUtldUJCak9CcVR4MWFkRlhXemxYRXpqUTQ4UEE?oc=5) · Noozhawk
- 2023-08-08 [15th annual ‘Stuff the Bus,’ countywide school supplies drive, starts this week - KSBY News](https://news.google.com/rss/articles/CBMisgFBVV95cUxOeVpiaW1KS3hrSEF1dXhOM3VsZEFSMVYyN2diVkRaalpHZnliRjJmeEJyQ3JWU0dIVlU3dlN5N3c3VDczeFEyQzJEcXpoTEdrSVF2Uy00R2NINU9NV2EwU2RZYjBfa0Y0R0x4NEtrTFdCTHhaWHFRLWRsZzRMTVByOUhXUXE5MzFZUVFvWjJnMi13SjVOQTZ0S1lfS1NYWkdlN0VjTlp3SThYSWhNalFPXzNB?oc=5) · KSBY News
- 2018-03-16 [Tulare PD: Tucoemas robber caught in Northern California - Visalia Times-Delta](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNU1pqcEN0RHA1c01SdzRjSEU1TWFEOFlvMEYtZ3R2Zng0YVE4SUUxTm5tRTdIcnJIU3JiWFpueS1fdkF5ZnJFMlcyXzRlZmEyZ1Z2NTlRYXlVZUhDYWlFTU8yMmdoN2hNR2NJNHpHNUJnVWEtclUzcXhxNmJCaDFTZGV4eDFrS3kyRXVreGVNQTJLcHpmdHpSMEhvVV9MOTlSMHFzVjNFQzhVYVVUcmpDNXBCdDRXZkdZM2xz?oc=5) · Visalia Times-Delta

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61779 (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/19.json (key "61779", 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=61779
- 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