# UNIVERSITY
Los Angeles, CA · NCUA charter 64171 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/university-64171

Who the members are: state charter, organized 1950. 60,510 members of 2,500,000 potential (2.4% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 56.

**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 | $1.19B |
| Members | 60,510 (4.9% YoY) |
| Full-time staff | 119 |
| Net worth | $103.0M |
| Net worth ratio | 8.7% (p9 of band) |
| ROA (annualized) | 0.12% (p7 of band) |
| Total delinquency | 1.29% (p90 of band) |
| Net charge-offs (annualized) | 0.77% (p75 of band) |
| Loans / shares | 101% (p92 of band) |
| Cash / assets | 4.9% |
| Borrowings / assets | 3.79% |
| Net interest margin | 3.37% (p54 of band) |
| Operating expense / assets | 3.23% (p52 of band) |
| Vehicles % of loans | 11% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 49% |
| Third-party paper % of net worth | 124% (p45 of band) |
| Vehicle delinquency | 0.77% (p64 of band) |
| Vehicle NCO | 0.35% (p10 of band) |
| Repossessed % of vehicle book | 0.14% (p70 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 93% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 9% |
| Average share balance | $8,831 |
| Participations bought / yr | $38.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $142.5M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $30,210 |
| Loans granted, annualized | $282.1M |

## Participation posture (from the same filings)

Bought $38.5M and sold $0 in the latest annualized quarter; $142.5M outstanding purchased (138.4% of net worth), $20.1M sold and retained. Sold in 6 and bought in 4 of the last 8 quarters. Shares 4.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | thin capital |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | delinquency rising | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 0 |  | thin capital, delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | thin capital |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 3 | net worth falling |  |
| 2022-09 | 4 | loans>95% of shares, leaning on borrowings | delinquency rising |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 5 | delinquency 2x band | net worth falling |
| 2023-06 | 4 |  | delinquency 2x band |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | assets shrinking |  |
| 2024-03 | 4 |  | delinquency rising |
| 2024-06 | 4 | delinquency rising | assets shrinking |
| 2024-09 | 3 | assets shrinking | thin capital, leaning on borrowings |
| 2024-12 | 2 | delinquency 2x band | delinquency rising, assets shrinking |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 4 | thin capital, losing money | delinquency rising |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | leaning on borrowings, 3rd-party paper>100% NW | losing money |
| 2026-03 | 5 | net worth falling | leaning on borrowings |

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

- 2026-06-27 [University Credit Union Center - UC Davis Aggies - Stadium Journey](https://news.google.com/rss/articles/CBMijwFBVV95cUxQMFRDQXJnYlZVT0FkNW82SXhkYVBFVVhKYklRcUYtZGItODgzdE5TczJpWW1JWTlkUmpwM2tMWndpQnFDU3lOT2ptR1F6bnA4NExwQ2w5UFY1MkFPZWkyOTh6MmJTOTNOZlU2d0EtQml1S3hOb0dyZHBZLXZiLUpWaVR5MWN1ak1qaGlXSnZmRQ?oc=5) · Stadium Journey
- 2026-08-28 [Photos: David Byrne live - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMifEFVX3lxTE9nUjMwQXVhVG4yaXlGcVkxaVlxOHBBMFlFVFdrRE5qVDdhXzlRaUNvWENZLU9mbnRXRlhwUm9vQXpGbkxFbDFKbVdxcnpiZTZVVzdBU09Ralc1c1NFYlhBMEpOVjJaZVhMQXd5M2dzcHRwV2tnd2NSbE16NV8?oc=5) · San Diego Union-Tribune
- 2026-03-27 [University Credit Union Announces 2026 Scholarship Winners - Yahoo Finance](https://news.google.com/rss/articles/CBMipgFBVV95cUxNMloxVXZCaGlVV0xlcU9hZmFwcDRqQzYydlVDOUxXYzhGSnBJeFFqQl9UM05mRlZhR3NWcTNtdHBwOFRscjNEdEZsaW5hTEw2akhFcE0zZW13ZG5CZHRRQTBuclJZWWdvd1Jwd3l4UHl1ZUZSVmtfQVVIYU1qUGlYMkpZQ1BfbVlkYzA2WlNXRWRUb3B6bndzSTg1NDM5WGFra3VqRnBB?oc=5) · Yahoo Finance
- 2025-12-11 [National University Awards 2025 City of San Diego/National University Professional Development Scholarships - nu.edu](https://news.google.com/rss/articles/CBMizAFBVV95cUxOcUdEWnh4LWhpemdIV3JDSWhBTTZiTDRCMW1sME1mRmhuQVE1dVlfaWxWRXNXUkg0ZV9Wd0syWF9zNTVHZTZua3gxQkVTY1VCVmhMbXhxcXlWY2RYeGRHS21sd2JnNWFmdDdMNDZMSlBoYlpFaVJ0LTdVRG9QY2U3d1ZwMVQxNTU1SWFhc3NhamxmOVRYTGtNU3ZzUUktZktVMWJDTEFpQWpHcEg2UEdCVVYxU1J5V2ZSbWlOckpESHpZODh3WkNWWGw0RUQ?oc=5) · nu.edu
- 2025-12-14 [MBB | Gaels Drop One-Point Heartbreaker to Boise State, 68-67 - smcgaels.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxNNHVvaVdFbk1IZkdXTFlSelZpVl9jM2xLSXNwQUE3SXAtUU0yQ3hnTWYyOUZQMkgtLXBQRmdEREdkRmQ5VjIyQ1lDSVlFUDA0WmJ3a1VPUFBOOTAteHM0RGxRLWptd2tPWjBWVFVGUExYNlN6RGZnb0hvSkdwalRPVnFpS0RJWVhVTG5Bd1c0WlNTVnJobnVLOEhidzlKdTA1RWxmNVU4UFlUMWlXa2Jweg?oc=5) · smcgaels.com
- 2025-11-06 [GAME DAY CENTRAL: Vandals Head to California to Face the Aggies - University of Idaho Athletics](https://news.google.com/rss/articles/CBMivwFBVV95cUxOMG5DQk5vVWViZjEyRV92dGVESTA3NjMyTXNTZ0QtbHRnQzBJZEsxYk9Zb3dxR20tY0hMOXk3UWdacm0zWFBOaVVwWi1FYldubThtZ2RqY3YxTVFidDRFel9Gbkp4S2FfMEVuSXlTQm5hd1JrWk5oZmxBYmZCbTBTMGF4dDVmanVHaDdzclMwR1NJTERfbktJaHN3LTNCcDR6YUxJdlpzcHdpbFBqUzNlc3FPWkVRZkd2Tk5YNzB6Zw?oc=5) · University of Idaho Athletics
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2025-10-14 [SchoolsFirst FCU named Partner of the Year by California State University, Sacramento - CUInsight](https://news.google.com/rss/articles/CBMiwwFBVV95cUxObkpVUjFBcHZUckpZSXVxRGtObkszUGxDU2RzSVNaMXF4WVBiZy1PT0FzNF9xMmZRbVNOanM0ZnpHS3N0WjhROURiSW1UZTJHV1JuQUxzS0c2YVdURXhkOHhCeFlQY1FhLTAyUHhKbEFRZ1JVTUdVWU1RWlZNN09PUVJnX00zSGRiRWRjbjctZS1DWlgydUxZUHYydWZEREphMmxpb3Q2ajgyUElLeENkNEUwcHpuaVVWMXdsMlU2M0Ewa1U?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64171 (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/43.json (key "64171", 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=64171
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide