# FOUNTAIN VALLEY
Fountain Valley, CA · NCUA charter 64108 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fountain-valley-64108

Who the members are: state charter, organized 1967. 176 members of 352 potential (50.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *too clean*. 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 | $2.0M |
| Members | 176 (-1.7% YoY) |
| Full-time staff | 1 |
| Net worth | $451,026 |
| Net worth ratio | 23.0% (p82 of band) |
| ROA (annualized) | -1.93% (p6 of band) |
| Total delinquency | 0.12% (p27 of band) |
| Net charge-offs (annualized) | -0.45% (p4 of band) |
| Loans / shares | 38% (p22 of band) |
| Cash / assets | 69.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.55% (p36 of band) |
| Operating expense / assets | 4.85% (p76 of band) |
| Vehicles % of loans | 69% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 0% |
| Average share balance | $6,889 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $9,986 |
| Loans granted, annualized | $231,120 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | assets shrinking |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | assets shrinking |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | members leaving | losing money |
| 2019-06 | 2 | delinquency rising | auto monoline |
| 2019-09 | 0 |  | members leaving, delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 0 |  | delinquency rising |
| 2020-09 | 2 | members leaving, auto monoline |  |
| 2020-12 | 4 | net worth falling, delinquency rising |  |
| 2021-03 | 3 | margin squeeze | members leaving, delinquency rising |
| 2021-06 | 6 | delinquency 2x band, delinquency rising, members leaving |  |
| 2021-09 | 5 |  | members leaving |
| 2021-12 | 6 | loan book shrinking |  |
| 2022-03 | 8 | losing money, charge-offs p90 |  |
| 2022-06 | 9 | members leaving |  |
| 2022-09 | 6 |  | net worth falling, delinquency rising, loan book shrinking |
| 2022-12 | 6 | assets shrinking | margin squeeze |
| 2023-03 | 3 |  | delinquency 2x band, losing money, charge-offs p90 |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | delinquency 2x band |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 6 | losing money, delinquency rising |  |
| 2024-06 | 6 | charge-offs p90 | losing money |
| 2024-09 | 6 | loan book shrinking | delinquency rising |
| 2024-12 | 6 |  |  |
| 2025-03 | 4 | margin squeeze | members leaving, delinquency 2x band, charge-offs p90 |
| 2025-06 | 4 | delinquency 2x band | margin squeeze |
| 2025-09 | 5 | losing money |  |
| 2025-12 | 5 | members leaving | delinquency 2x band |
| 2026-03 | 5 | margin squeeze | members leaving |

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

- 2025-12-08 [OC-Based Credit Unions Grow Assets by 8.6% - Orange County Business Journal](https://news.google.com/rss/articles/CBMie0FVX3lxTE0xWng4czZRaUtTZ1cxVXhkOTNGc3doSUltTnlhdnlXZS1uTE1LeElaWUlSMGU3OVdrNXgyUHRrYXYtX0loTkZDQkIyZXdhOXd6QU1WZjBYRF9DSU5OeUpvamRiYll4Y1dNN2hKRkpaY0VaODhMU1loNllZQQ?oc=5) · Orange County Business Journal
- 2026-02-04 [Edward Debowski Obituary Nov 9, 2020 - Van Hoe Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9GeldCRzJiQ2JYLXllQkdWalF5RHd4ZUI3S2FYMXo3a05COUFuOXFORFhhdkdXWURDVGJjeGJ1NWQ0T2QxY2NMa0V0OTdjWVlrb1I2TXF3bmpYZjhOX1E?oc=5) · Van Hoe Funeral Home
- 2020-08-31 [Cornish, Barbara Joan (Pliha) - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMifEFVX3lxTE53SXlNNjVmeUV6cEZUTVo2RFlKS0lxYUpMZkR5YVp4NkpSTUpWLWpsem9PeDI1RnhORTY4NlJYT1lfNkpUNVhHTVRKTTR6V2p5Z29iWjUyQVpjU2VPbWN4LWFUM0s3NXZ4QllCYUgyc0lma1F3eUt0anBhR3g?oc=5) · The Santa Barbara Independent
- 2020-05-18 [Meet Orange County’s Classified School Employees of the Year for 2020 - OCDE Newsroom](https://news.google.com/rss/articles/CBMimgFBVV95cUxOMmhpUmZlcFBJQWZKcGU0SWRPTGE4S3lxM2t5TkRoeGtld0hIZE96S0VDQ3I5OHNMRWtQWER4SHpOakUtZHRmbDFQN210MWRBbVg3ekNWNWlJVFdrVDFsc0tVY3pYbTNVNnVtU2UzYkFQVkRZQ0VjVzJPWUx6ek0zNk1fMEpjX3NCYy13em12ejNEaU1zNHVHejNR?oc=5) · OCDE Newsroom
- 2012-01-03 [Police seek ‘Wrong Way Bandit’ - Los Angeles Times](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPbG10RTV4M2Y0RG1sUDlyd21pblN2U1FBUDBmRmhvWkkxY0M0eXRkcjYxVTZFZW9NYkFMb0wtMUQ0Y1BHaElxQkRsM2FyTGhfY1JESWREQkdrak1OX0MzMldlWEJLT0V1LWlMRVlRdXFZdnhFTW1YNWRSeFFkTXNnSTNIMWxOQmFy?oc=5) · Los Angeles Times
- 2012-06-29 ['Wrong Way Bandit' Pleads Guilty to Second-Degree Robbery - Patch](https://news.google.com/rss/articles/CBMioAFBVV95cUxQRXRSZXhqTkpzQnVZZHVMODJMdW5YUlVUTkwyNGhpeFdyLXE3TXZ6cVgyQ0J1d3FldFJOX2JCRVMyT3FucUhSSk9qd0dqRGVKWXhSa2J1clpwZVVrY0RFWHFlcVVrWWVSRFRoZkdCSE44WENlOXI0MVE5X09aSksyMmtrR3Bzb1dwSTZQRkpPeHR2SHVDVDZwZTY1SDltQ1FD?oc=5) · Patch
- 2026-04-24 [Yakult: Live & Active Probiotic Drink - KX News](https://news.google.com/rss/articles/CBMijwFBVV95cUxOT1ZSQTEySmhlbVh4NmhzRVdjOW1ITXpLLW1KZk10ZVNrS3hCREZxNExhUlF3cXpHeVk4ajEtamZqYzAtYW9XREEyMWZtRXJBSUtybVN3Mm80TVd4UkNLX3JlOFRZR1BadHRfR0lXS0IyOFNqbml3Sm5peHBsOXhLUVIzWElnVVZoTDY0dWhSNNIBlAFBVV95cUxQc3BuZzJzTzBwQkxuZVlac084SHBSa1VkT0RPX3lkZWxydURpMVhOZThnbHBteTFsYVZ0S0tQS0hGWFRHczVGSVRLRDRkYmFVaERCUzFKZ1E5Z2hkU3dJTUQwYlBBTTBudG03TGpnQlQ0VEVrdGRxU2NWWG1rSzM0N0pwMWF1Q1QtR05vRmh0dkxrUy1B?oc=5) · KX News
- 2024-05-29 [Earl Holland Obituary (06/08/1936 - 05/24/2024) - Bethlehem, PA - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQWFNWTDBYb2I3OHZjY1lxQmVWekY1XzN3RGVQb0xtSGlYZWFEdE54UFlWNi1JcHk4WG5EN2dvNEM1YlQtM3JKSW1rSlRGdUpCekhjdDhMdHJpQjZxOHlLOWE0NmdYdG9mLUVrandUNThKS1VMWHYzWks2SVEwSUlIcnk3Q3V4cHlXTmtQTkNuSVhMMEo3UXhJ?oc=5) · Lehighvalleylive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64108 (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/44.json (key "64108", 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=64108
- 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