# SACRAMENTO
Sacramento, CA · NCUA charter 62641 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sacramento-62641

Who the members are: state charter, organized 1935. 31,124 members of 50,000 potential (62.3% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $851.9M |
| Members | 31,124 (6.6% YoY) |
| Full-time staff | 96 |
| Net worth | $125.9M |
| Net worth ratio | 14.8% (p93 of band) |
| ROA (annualized) | 1.48% (p90 of band) |
| Total delinquency | 0.10% (p2 of band) |
| Net charge-offs (annualized) | 0.10% (p10 of band) |
| Loans / shares | 63% (p14 of band) |
| Cash / assets | 8.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.89% (p16 of band) |
| Operating expense / assets | 2.20% (p7 of band) |
| Vehicles % of loans | 34% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 81% |
| Third-party paper % of net worth | 99% (p51 of band) |
| Vehicle delinquency | 0.06% (p3 of band) |
| Vehicle NCO | 0.09% (p6 of band) |
| Repossessed % of vehicle book | 0.03% (p43 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 15% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 29% |
| Average share balance | $11,439 |
| Participations bought / yr | $6.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $4.6M |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $35,715 |
| Loans granted, annualized | $155.5M |

## Participation posture (from the same filings)

Bought $6.3M and sold $0 in the latest annualized quarter; $4.6M outstanding purchased (3.6% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 7.9% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | 3rd-party paper>100% NW |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | margin squeeze | 3rd-party paper>100% NW |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 | members leaving | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising, 3rd-party paper>100% NW | members leaving |
| 2023-12 | 2 | leaning on borrowings | delinquency rising |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | assets shrinking | leaning on borrowings |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | assets shrinking |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | 3rd-party paper>100% NW |

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

- 2026-09-04 [Sacramento credit union First U.S. Community to merge with Yuba City's Sierra Central - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNSmpkNTlJTXhPQ01TSlpVdnlsM1dWUjdVYWVOYzMyTW9uTVJGTll0ZU5LZG9sNlJ1ci1zbEl1NjBJZ1RSdUV6RzF3WURuVkxEbWJ5eVYtVEdvTW9jZTJVUEV0dTNkLTh6TjMyX25vX2FONE1pVW9INm82WERaVkl3MzFxMXIxOEllYzlrSkZUSjBjaVdkZmFiMzFmT3B6N0xncEpLZUVLRjloQQ?oc=5) · The Business Journals
- 2026-08-04 [SAFE Credit Union secures regulatory approval for merger with BECU - Sacramento Bee](https://news.google.com/rss/articles/CBMiakFVX3lxTFBfTkl6NFZlOUZONUNMYldnUHNZNmdQcFNyYXlEZGZuQW9PR2ozeXRqYndHemlCQjZQMk5PTUdjYWF5cWk3WHNqc1dvTmFScThUeG45aGluNmp6Y0lXVmx4S1FnNzN4SGoyR1HSAWpBVV95cUxQbjV2dGpYZVdTd21iUkVmRG9yUFZHNDd5SXFuY3V1M1dfbTl0eVluZUpreEtVZHI1YWpOdEo0d0IzZHB5RWRWNjZ2dzZyTFhCSm5TTmV2TS1uNmZLcEFzNk5MWW5OTVNmbnJR?oc=5) · Sacramento Bee
- 2026-03-17 [TNA Wrestling Makes Long-Awaited Return to Sacramento, California - TNA Wrestling](https://news.google.com/rss/articles/CBMimAFBVV95cUxOZGJ5aVM1cm4zLXd1WVg1eTVlT0tUQlNaYi02Z1Iyd2cwUXpzNWRram9OOXUtXy1qMXVHUU1lOGhGX1plWDhwS296Vk1JLU90bnN3dlUzOEs2X3VlZ2V5TFhjZG95MHlxaTUyemdMWFhKdjZ3bkN0R285YkxoQmM5dlQwY0dYZ3pqMjlHTHlfeEtlMXM1RHZtRQ?oc=5) · TNA Wrestling
- 2025-11-25 [West Coast credit union merger attracts scrutiny - Business North Carolina](https://news.google.com/rss/articles/CBMifEFVX3lxTE1WUklGQzdtbi1wV2VNNjMwZWJMMXN0SC0tMnNoRndBUFZEUU50WTJ2Uzc1ekl6SmJua0lYelNuRENNcHRaN19uQ1FUcWNXWENMd0RWcEppV01sY09XLTVzV2dVdGF1N0hHcXZiVmtyeUJGYUg1aExJeXU2VHA?oc=5) · Business North Carolina
- 2025-09-26 [Terra Madre Americas 2025 kicks off in Sacramento - capradio.org](https://news.google.com/rss/articles/CBMimwFBVV95cUxQQlBpcVFRYTJoU1JtUlVjRTZaVi01VFNabFZkcURLUnJIUC1oLVpqSHlWN1NlTzUyN0hBenI1WjhpaHBldFpycHFTREdRalF4SXpiekdjTVNNb0M1SjBwbElqZm5idDFERkd0SkpWRXdPR0dqNDl3aURhVnZyX2hRMS15ajFSblVJVUhtRFIzdmJKSGRPR0MzSHBPMA?oc=5) · capradio.org
- 2025-09-25 [SAFE Credit Union offers debit cards for kids as young as 6 - ABC10](https://news.google.com/rss/articles/CBMizwFBVV95cUxQZEMyMkl3THp4MnJfTEp0bFdYdlVxb0xHNnVETGNxOWRPUzlWY2Y2a3VSazJ6UkxQZjVvcUtocGhVY0NCZElaOUtEa3htUGRLbEhDODR5VVhyTmNRR2hTaHQtSlA0bDFhUERGQ1B1cF85Y2VBaW9ibVhZTTdzSVBJVWJ0MVFQeFEwbVFEa3FHVXRnS2M1T3NVWEt5LXdmSUNncURFNXBudExaaHlVWGRYdkNhRER4RjM2MDROaklld0VjTkQ5NHc4dWszLWQ3dFk?oc=5) · ABC10
- 2026-06-12 [Paula Wolford Obituary (1962 - 2026) - Fair Oaks, CA - The Sacramento Bee - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPMm1NUU9ITHZBQmE1cnJxS1ByZDZzbWc3LW9RenhpWlpWZkJHYl9TZjhJQWEzSEh2LXU1RzZYN3lja3Q0UFJDZXh4QVMwZjNyalFzM0NZLVNjcElMekRpUGxPdDZ4ak84UkY0NFZNRFhvSURfTWJSVXdXdS1tMU1FeHVIakdnQ2x0ZGxZ?oc=5) · legacy.com
- 2026-06-10 [Looking to buy a home in Sacramento? These down payment assistance programs can help - Sacramento Bee](https://news.google.com/rss/articles/CBMijwFBVV95cUxNY2NaaG11UERJX0N6TG9ZY0JpYWpkSGtodFZ3Wk9kS2ZWWXlKYV9wd1ZWbldWczdCYk9fclZIb1k5QlhPSjN4Y1FPd1VNbUtsZmpOQlNJU2RCMUpsTGM0VnFjTGFta1Z5Q1VoVHprc1FwYzVXNGxQckVVckF5U0Zxdml3cEp3R2VYcDNXVjE1c9IBjwFBVV95cUxOWWRhZk8xeW1QTEJnLWVxbEtEY3FNakcxN1VWZXdOYjMxZUZ3SEdfSkZBa1lnWnhBWG5XaE5renVycW1nc0w0cnY5MmZhOC1rV3l4S0s5MV9tX1VVVFpWQ0EyQzEzeEh4cGNmU3dXNGRYTjhkaEgxYzdhMzlpTkM2b3RsbVBaOFFITDJzT01fWQ?oc=5) · Sacramento Bee

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62641 (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/49.json (key "62641", 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=62641
- 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