# 1ST UNITED
Pleasanton, CA · NCUA charter 63958 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/1st-united-63958

Who the members are: state charter, organized 1932. 61,429 members of 2,485,000 potential (2.5% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $1.25B |
| Members | 61,429 (1.6% YoY) |
| Full-time staff | 162 |
| Net worth | $151.1M |
| Net worth ratio | 12.1% (p71 of band) |
| ROA (annualized) | 0.77% (p56 of band) |
| Total delinquency | 0.14% (p4 of band) |
| Net charge-offs (annualized) | 0.27% (p21 of band) |
| Loans / shares | 73% (p19 of band) |
| Cash / assets | 9.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.45% (p58 of band) |
| Operating expense / assets | 3.07% (p42 of band) |
| Vehicles % of loans | 33% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 76% |
| Third-party paper % of net worth | 134% (p49 of band) |
| Vehicle delinquency | 0.07% (p1 of band) |
| Vehicle NCO | 0.45% (p14 of band) |
| Repossessed % of vehicle book | 0.16% (p75 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 31% |
| Average share balance | $9,295 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $23,931 |
| Loans granted, annualized | $172.0M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 | net worth falling | delinquency rising |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 4 | thin capital |  |
| 2020-12 | 2 |  | net worth falling, thin capital |
| 2021-03 | 2 | thin capital | margin squeeze |
| 2021-06 | 1 |  | thin capital |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | assets shrinking |  |
| 2024-03 | 4 | members leaving |  |
| 2024-06 | 2 |  | delinquency rising, members leaving |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2025-04-04 [1st United Credit Union plans to close downtown Berkeley location - Berkeleyside](https://news.google.com/rss/articles/CBMinwFBVV95cUxNSTRRbUtJb1JSOU1LSXotSV9GQ05UeEhZRjhwbnkxOWZaYzc1YnBZM1ozTGs2cVdURVYwWW5USmJvc25YeVJETm9kd0RsR2s4M2VJdUFsTmc1Mi1EQXZoVG1wYzYxNzJwQUlVeXJMd3lndFc4UEpjN1VKRkU4S0plWXVsTjVtbWRPMl80elUzaWw5SnNsQ1BuOVpHMDduMFk?oc=5) · Berkeleyside
- 2023-06-20 [Forbes 2026 America's Best Credit Unions In Each State List - Forbes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vRWJOaE5OZ1NrY3RJeUZnWS1yRXkwMUYzYllJMTN3VEQxTWtwNHJGdC1FejkwVF9UT045OWFhQ0NSWmtzTHBJeXZFSFdydTNuc2VyT3BjUGRLcmlWLWhaVHNJUVZMRHNt?oc=5) · Forbes
- 2021-06-20 [Whitefish Credit Union welcomes new CFO - Daily Inter Lake](https://news.google.com/rss/articles/CBMijAFBVV95cUxNc2wxa1pFRkpDUWQ1UkdHZ0JwUVRaYi1uV1Vra0VyMzdfbWc0RG16TWVKbm95dVBlN1hHVjZ5ZFdGTzF3S19fOHo2VE9jbjZRRXRWeUVRQlhFRnRTUXp0WnlHMWdOaXZsSUZRQU02QjNlS1I0NDloOEk1Qzlya0NUU0ZLbHpzN0htXzdnWg?oc=5) · Daily Inter Lake
- 2024-05-15 [Joseph Zipp Obituary - San Leandro, CA - eastbaytimes.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBvc1FCaXYwSjdnUUVqR0ZhWXpvS3hiNURUV0N3UzhGSHdGeGVwYWFWNEk5alZxSzZMcEF3TjI3X1g4RjdkYzR6S0J3di1oVjJWWU1GUGpvUFdqRkNGaE5IVzNoSzE?oc=5) · eastbaytimes.com
- 2021-11-29 [Toys For Tots 2021: How To Donate In Fremont - Patch](https://news.google.com/rss/articles/CBMiekFVX3lxTFBIdEhhUEUzX25NUXhNV2pUZ0JpcTA1SUlCLUZlRXR5b2xxSlB3Q1dxTGtqVndPbjBDMlJTYjMxbkdGczNRWFJ0cVpQcTNFZFk3Z2d6TndQLU0xVm1zRzVhTzdzZWhJMktPR2xBZXU4SXdDbF9MQmtiLTNn?oc=5) · Patch
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica
- 2016-04-01 [Diana Bonanno Obituary (1948 - 2016) - Pleasanton, CA - East Bay Times - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxObGtrc3NWSnBqdk85bWV1Vzl0ZF9hY3doZmJMWDNuR3ZHQkdPV0JqM1h3N3ZoeUdHeG0wOXhBbUNGdWV6RHpqbi1JSGs3SjQ4aExpTVZOSUFRempaX245aWMwbVFObXlwRFh4bGpJZWQtaFZUU3F1cmVCWHBRREFUWDYzTjVLSFlJcElkU0NEM2N2QUk?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63958 (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/22.json (key "63958", 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=63958
- 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