# UNCLE
LIVERMORE, CA · NCUA charter 64482 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/uncle-64482

Who the members are: state charter, organized 1957. 36,338 members of 4,306,810 potential (0.8% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $738.0M |
| Members | 36,338 (-7.0% YoY) |
| Full-time staff | 103 |
| Net worth | $58.5M |
| Net worth ratio | 7.9% (p7 of band) |
| ROA (annualized) | 0.13% (p10 of band) |
| Total delinquency | 0.67% (p58 of band) |
| Net charge-offs (annualized) | 0.99% (p87 of band) |
| Loans / shares | 95% (p90 of band) |
| Cash / assets | 3.5% |
| Borrowings / assets | 1.35% |
| Net interest margin | 4.10% (p89 of band) |
| Operating expense / assets | 4.04% (p72 of band) |
| Vehicles % of loans | 29% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 93% |
| Third-party paper % of net worth | 333% (p93 of band) |
| Vehicle delinquency | 0.76% (p64 of band) |
| Vehicle NCO | 3.04% (p96 of band) |
| Repossessed % of vehicle book | 0.10% (p68 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 27% |
| Average share balance | $9,823 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $51.1M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $33,561 |
| Loans granted, annualized | $99.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $51.1M outstanding purchased (87.4% of net worth), $4.1M sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -1.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **members leaving** (`shrink_members`)
- **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 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | delinquency rising | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | 3rd-party paper>100% NW |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 4 | net worth falling, losing money, expense trap | delinquency rising |
| 2020-06 | 4 | thin capital, delinquency rising | losing money, expense trap |
| 2020-09 | 3 | loans>95% of shares | net worth falling, thin capital |
| 2020-12 | 2 | thin capital | delinquency rising, loans>95% of shares |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 4 | losing money |  |
| 2022-06 | 4 | delinquency rising | net worth falling |
| 2022-09 | 5 | loans>95% of shares, leaning on borrowings | delinquency rising |
| 2022-12 | 5 | delinquency rising | losing money |
| 2023-03 | 4 | losing money | loans>95% of shares, leaning on borrowings |
| 2023-06 | 4 | charge-offs p90 | delinquency rising |
| 2023-09 | 4 | delinquency rising | losing money |
| 2023-12 | 3 | net worth falling | charge-offs p90, delinquency rising |
| 2024-03 | 2 |  | net worth falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | net worth falling |  |
| 2024-12 | 2 |  | net worth falling |
| 2025-03 | 3 | losing money |  |
| 2025-06 | 7 | net worth falling, delinquency rising, loans>95% of shares, leaning on borrowings |  |
| 2025-09 | 4 |  | losing money, net worth falling, leaning on borrowings |
| 2025-12 | 4 | members leaving | delinquency rising |
| 2026-03 | 3 |  | loans>95% of shares |

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

- 2025-11-14 [UNCLE Credit Union appoints Gina Bloomfield as Senior Vice President, Chief Financial Officer - CUInsight](https://news.google.com/rss/articles/CBMizgFBVV95cUxOSThJNk9oR1doVlQ3a0p3aW1lYVBoR3R2ajZVcXlPdTVtWmhKNUVTb2VkcVVEeS1FUVFudUE1cFA5MkFpX01RS0ZZV2pUVGg1T1lnVFdadmxMM2lmYVdRdk05WHA1bmZnNWpIV1RDSTZzZGI1dkRmdmFSQnRMWUs1MllOWkliUUlSMDNjdkJ2Z2FrRTdUZWlXVWczYUplRVJpUUJPRGdtUzA4ODhfd2RDdjlaRHJ6ckNKNml2UWhmMElRZjRFMTJXdFNZTXJuZw?oc=5) · CUInsight
- 2026-05-30 [UNCLE Credit Union Announces Board of Directors 2026 Election Results - The National Law Review](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNM05aRXJuZ1VsbE9DZEU3RU5fWEZNazhKR2NJaFNUaHh4T2xiZjBXaGNVUUNmeTV5SWxrTVpSdUU2a2RZek1yOHN1dlRzUVdqX2w4MDU3dUVDYThXbDN3VVNJR0RjaVJBbTRRMHZ4OGtyY2p5eUtpSnNpc2dtNXZxMWs0bDVuSjB1MVdEdkZPUWU2Ylc5Z1c1dU5IMXJWU083Ukd5d3FMaE5Pdw?oc=5) · The National Law Review
- 2026-08-20 [Final Tuesday Tunes Concert Features Northern California Band Frequency - independentnews.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxNbXIyejgxM2tZQ0tUVElZTlhiTkxrX21DZ3pqY0dHZ1U5U0prQUwwYjQ0UkNVQWY5MDlkb1VMM0F3d3lhZ2dFT1N0VGo5dUhDOEN2Q1lFLUF2Vy02ajU3QV83TWNPbEpZbVoyeTFvYWR2dFRpN1RXdTI3OTItNnhRMkhZM3AxZTA3OXdQdWdlU1RNVmFLaUZ0cGMwVDdiWk1Ma3daU3ZreFF3ejVTaDhUN2Z5UHFjOFRCYXI2WXlORVptaEUydngxaWNNeE5vRzJsTnhIVnZSZk0tZTRDNlVIRDVDazJ4WXgwQlhNbkxsMDE?oc=5) · independentnews.com
- 2025-03-28 [UNCLE Credit Union hosts ‘Bite of Reality’ event for high school students - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxPUU1TMFZCQy1BMHhBQUcyVFltN09idnVLRS10emlyazg0TmNIZzIyX3NBdXp4YkR6ZEJyTzhkSndVWldwR1hYX0JlZEVkWm03dnN0WXVGelduTDZjYk8wMnpWeHpFbmh5U1NKX2NBUGs1XzZDRmt3d2phbV9wX2NqSWVVa0Q1aThHRzQwbzV6NkNaTkk5NDJzeG9NaEJUYksxRkplcWRNZFhjZ3piQ1ZqNEdR?oc=5) · CUInsight
- 2021-12-09 [UNCLE Credit Union Bolsters Senior Leadership Team with Two Executive Hires - GlobeNewswire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQRkstdFBRcmpVLTRNRldNcXZVUTZVbEhYYTh6dzEwVk1VR2hyQjN4RHhON1NWdTFISERCRzNINmtSc2owYWtlYlFkaE96YndJWWtqWXp3VEsxa1lwUFFlalNsS1dKS0dwY0hRbFJDSEhjOWFwX2VpRFQ5S2kxSHM0RmRna2ZOamFraUN3YW15RUJVOUY3TnBFYlhWTTU0RTJmcWlxUkVhMUtneEpRODlNM3laVGhURjRLSjRqSTlQajd6ZjA5Tjg5RW1OU05JUE5RZWVrRWVqQlZqSkhobDhZWA?oc=5) · GlobeNewswire
- 2026-05-28 [Nigeria’s Asake announces ‘In God We Trust’ tour with Uncle Waffles joining select dates - GRUNGECAKE](https://news.google.com/rss/articles/CBMipAFBVV95cUxNUXVOWjItQXlWUjFnV05ZNHF2YWhxMFJWVXZ4RkFnRFROZHNBa1U3V3NjSDNvWm9mTkRrNkZYOVRUVXF0QmtNM0hzZGxRdEk2VG1hUzZmem5DYmVUQ3BSdURQbXA5RUdjZnNLcmx0bGdCc19kLU9SUVFpZkRxUTJjZTB3MDdtLVY4TjEtSEdsNWxBMlhnNHg4bkhxRVh5ZllVeDBIRw?oc=5) · GRUNGECAKE
- 2026-05-26 [Asake Taps Uncle Waffles for In God We Trust World Tour - Exclaim!](https://news.google.com/rss/articles/CBMikgFBVV95cUxQd1Z3OFNnYjVyZENDUU1LQ3RibjAxdHB2aFVPX2RVbWNlOU5NeFBhUWt1OW1MbHk3d2ktSHlTcERidnh0TkdUbXJIQWcwSkk1Q01ONmRJVkplVWR5VVBBMm0xZE5mVWNiRWNtcUlzSUJVdlViSGtvY2FmOXQwdEkyd0JhSlU1ZkhUMTE3Q3ZVdEU4QQ?oc=5) · Exclaim!
- 2023-01-30 [UNCLE Credit Union Welcomes Chief Credit Officer and Announces Additional Title Changes - GlobeNewswire](https://news.google.com/rss/articles/CBMi8AFBVV95cUxNdW5HY3JMVkwyWDlLdmFDbERUdjh5U3FHaFoxRG00eFc3VGowS0NjdzM3ZzhmR2JycHhZSXgzZFBYX3FPSnZRQ3Q0el9aZVNrUGwtTEx3SmhiTG5yTDdGNlM1dmkyTWRtdmZLVUtZNmJjSGlJT19JUXlTZ0tlMTNHR2NxLWhZblZpY0Fub1JzQlBWdnZ1ODVHdExvOXVsR2ZHYlBEUWRzQnVjYlQ4MWZYOVVIUU5ZU2dBVEhaZVd1ZVA5RFA1ZTFWemYyVmMwLTJnU2gwQmhILTZHWkNlRXF4NzE0RFJwUVN4YUJYT0x2SDQ?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64482 (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/34.json (key "64482", 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=64482
- 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