# I.L.W.U.
Long Beach, CA · NCUA charter 64546 · asset band $200-500M · latest filing 2019-06 · stopped filing after 2019-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/i-l-w-u-64546

Who the members are: state charter, organized 1972. 21,913 members of 47,000 potential (46.6% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *ordinary*. 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 | $286.1M |
| Members | 21,913 (8.2% YoY) |
| Full-time staff | 52 |
| Net worth | $32.7M |
| Net worth ratio | 11.4% (p60 of band) |
| ROA (annualized) | 1.10% (p83 of band) |
| Total delinquency | 0.38% (p33 of band) |
| Net charge-offs (annualized) | 0.00% (p1 of band) |
| Loans / shares | 81% (p48 of band) |
| Cash / assets | 4.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.57% (p73 of band) |
| Operating expense / assets | 4.06% (p68 of band) |
| Vehicles % of loans | 35% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p11 of band) |
| Vehicle delinquency | 0.56% (p63 of band) |
| Vehicle NCO | 0.00% (p2 of band) |
| Repossessed % of vehicle book | 0.00% (p23 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 21% |
| Average share balance | $5,551 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $17,339 |
| Loans granted, annualized | $80.0M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | losing money, delinquency rising |  |
| 2017-06 | 2 |  | losing money |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 2 | charge-offs p90 |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | charge-offs p90 | delinquency 2x band |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |

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

- 2024-11-08 [Monthly Bulletin – October 2019 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTFBFZVhITk4xeGhBNkxRUG9WRGcxaUZsX3dsQVJZRWJ2bFROTXYyX1NxekZWaEpWN0U1XzRnaUpFU1FwT3hlRUY3bXBZNnZ5Ynhfd0RQY0pxel8zZnZTdzV2dmZMSGh2Z1l1RW1mcFljOFg0SS05MjRJSm90WWlBZw?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2021-09-19 [John Ashley Coleman Obituary Sep 19, 2021 - Diehl-Whittaker Funeral](https://news.google.com/rss/articles/CBMib0FVX3lxTE9uZWNUOGhnRUE2ZUpOLXZoTUgydmRGTVBlTGNONjYzVVZndEV4bmN4OWlLTXQxWUZBN0w2RVB1OXdJYndETUpNX1lUZkRXcmdmVTc4Z2RXN2F0MmFObDIyd3RsUTc2bENNXzNhOGIwTQ?oc=5) · Diehl-Whittaker Funeral
- 2023-10-26 [How a 4-year-old captured the hearts of the ‘Lords of the Docks’ in the ILWU - Daily Breeze](https://news.google.com/rss/articles/CBMitAFBVV95cUxPamdXTi02dXhQUnpiOHFmRm1KUllROHF6cU5HRUU3Z05FVnZEdDRfc3A2RE1tdG9TME5MTnVzTjIzc2Jlb04zb0dwOGFwV2NSVWExdEFUeFB3bDI5NkpoNlBDSGFWblBaOFJtM2VEX3dJOWVFUWlRbXFPSHc5djNLSW9FVkxQNGdrSlZUaWtxdHpnY0VyTno1NzNUOFVtQTNZM3BCbFVHeUxSWTAtcGljTk1IQ0w?oc=5) · Daily Breeze
- 2010-05-18 [Settlement Voted Up in Boron, Calif., Lockout - Labor Notes |](https://news.google.com/rss/articles/CBMie0FVX3lxTFBlX3VBWDBJczhaMUstTXEzR1hvcnhUYWdzRWl0QURsU29pa2JPSG51c3hKLVFGWndwN04zT0FldFUwVzNyejJvay0xb1hLbjJqR0tVS21iYnJFY2REMG1NWFlwUXc2cnhsWHpna1RXNlF0cy1aQnhUelBadw?oc=5) · Labor Notes |
- 2022-04-24 [Coalition of Schools and Port Workers Calls for Day of Action Against Privatization, April 29 - postnewsgroup.com](https://news.google.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?oc=5) · postnewsgroup.com
- 2021-10-05 [ILWU, Catholic clergy hand out food in Wilmington - Daily Breeze](https://news.google.com/rss/articles/CBMikgFBVV95cUxOWktNRUtFX0RMbFdSeHhuMDFpcXUyLTlDMEJnWGQtazlOOHMxcVpZYVhRbzVvcWprR0xlS0tIWENPWnlMTUdhX0tZb05icGFIWGZ6blpLZ0xNYkotd1VnYnJwOS0tR0pSQktoOExfX0hSNTZtcEh1aVBQOHgxalVhTlU1NHQ0N2FrVHhpSHl5ODlyQQ?oc=5) · Daily Breeze

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64546 (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 "64546", 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=64546
- 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