# BARSTOW COMMUNITY
Barstow, CA · NCUA charter 64578 · asset band <$50M · latest filing 2022-09 · stopped filing after 2022-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/barstow-community-64578

Who the members are: state charter, organized 1954. 1,284 members of 15,000 potential (8.6% of the field); checking penetration 4% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *stressed*. Composite score 11 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.4M |
| Members | 1,284 (-8.9% YoY) |
| Full-time staff | 2 |
| Net worth | $263,030 |
| Net worth ratio | 4.1% (p0 of band) |
| ROA (annualized) | -3.02% (p2 of band) |
| Total delinquency | 4.51% (p93 of band) |
| Net charge-offs (annualized) | 0.29% (p74 of band) |
| Loans / shares | 29% (p18 of band) |
| Cash / assets | 64.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.08% (p32 of band) |
| Operating expense / assets | 4.87% (p89 of band) |
| Vehicles % of loans | 27% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p42 of band) |
| Vehicle delinquency | 10.48% (p98 of band) |
| Vehicle NCO | 0.00% (p30 of band) |
| Repossessed % of vehicle book | 9.73% (p100 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 53% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 20% |
| Average share balance | $4,541 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $4,970 |
| Loans granted, annualized | $556,564 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | delinquency 2x band, repo signal |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 1 | charge-offs p90 | repo signal |
| 2017-06 | 1 | losing money | charge-offs p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | net worth falling |  |
| 2018-03 | 2 | assets shrinking | net worth falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 5 | net worth falling, members leaving |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 4 |  | members leaving |
| 2020-03 | 4 | expense trap | assets shrinking |
| 2020-06 | 8 | thin capital, delinquency 2x band, charge-offs p90, loan book shrinking |  |
| 2020-09 | 5 |  | delinquency rising, delinquency 2x band, charge-offs p90 |
| 2020-12 | 9 | delinquency 2x band, delinquency rising, charge-offs p90, assets shrinking |  |
| 2021-03 | 9 | margin squeeze, members leaving | delinquency rising, charge-offs p90 |
| 2021-06 | 9 | charge-offs p90 | delinquency 2x band |
| 2021-09 | 11 | capital below 7% |  |
| 2021-12 | 12 | delinquency 2x band |  |
| 2022-03 | 12 | delinquency rising | charge-offs p90 |
| 2022-06 | 11 |  | margin squeeze |
| 2022-09 | 11 | repo signal | expense trap |

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

- 2024-11-08 [Monthly Bulletin – February 2022 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMif0FVX3lxTFBwQzB0aFBfNTcxdXh6YVlpT3lnbXdZbk8wRUtTM3daakN3UEhiU0JxOFBQQlA5WVZJV3RsSVU1OTZNVUtpck05a0VkTDh2VTdzNjAwVV9EUEhrVXUwRnFuZU51cUc4SVdTcXRaWDJtVjFjRk83bExqNy1OY1B2ajA?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2019-04-09 [Vons in Barstow set to close permanently on May 24 - VVNG](https://news.google.com/rss/articles/CBMifEFVX3lxTFA2cVZHWlFZRm1vVDhGYmdPdHZuYnJBWU93NjljVldtdEVTQU13NnRTV3ZhVUppM0ExZTl3YnpEblBRdkxLa2Y4ZmpJeWhaTnRaOXYwZ2R1QzFMV29HVFI4ZWxIQjFBN3JsSzFlODY2dWJjeEx3QnV2aEFMTVA?oc=5) · VVNG
- 2016-06-06 [Scholarships awarded to Barstow High School graduates - Victorville Daily Press](https://news.google.com/rss/articles/CBMivwFBVV95cUxPcVhOUTd2TWhWR1ZrX25OTlQyWTRCUjltcFlsVEg1UDhmakJ0cXZEcVBydTZmdnlTRUlrS3FEQllzS3JJVkpDUk9vTDhmVU9BSXloTE1tT2NPVzVhLUNyOTY3eENOZlBUM01BOGRfdmNZSGxHYXN5N1U1dkpDc3RkTWc5Q0thNVJyWW13MFRtM1lsTERtbFQtalJycV9nOXZ4LWU4cjRzdGh4Vy1aS2hORUZXdGItSnZ1cG5LT1BfVQ?oc=5) · Victorville Daily Press
- 2002-08-02 [Eugene Price - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOblRWSVdLUFBPTjIxblRLbWRFRlIybGhXMEl6TjNlT1JKNFY3S3E1RTBQOG92REtzNDFTRlUxWS1DQUhHS0V3NVViTUhDR243VTBtM1ZLbVIyaEp0bld1NEVVem1VSTlDa1pfdFRaMmVPV3VMYk9vc1JoSzR3bjVoWmp3MXpHRGZTRFhGbUg2QQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64578 (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/2.json (key "64578", 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=64578
- 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