# CALIFORNIA LITHUANIAN
Santa Monica, CA · NCUA charter 64834 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/california-lithuanian-64834

Who the members are: state charter, organized 1969. 1,910 members of 6,000 potential (31.8% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 12.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $157.9M |
| Members | 1,910 (1.4% YoY) |
| Full-time staff | 7 |
| Net worth | $30.2M |
| Net worth ratio | 19.1% (p95 of band) |
| ROA (annualized) | 0.65% (p47 of band) |
| Total delinquency | 0.73% (p59 of band) |
| Net charge-offs (annualized) | 0.00% (p7 of band) |
| Loans / shares | 100% (p99 of band) |
| Cash / assets | 15.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.82% (p1 of band) |
| Operating expense / assets | 1.23% (p2 of band) |
| Vehicles % of loans | 0% (p0 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.00% (p3 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 225% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 47% |
| Average share balance | $36,410 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 12% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $559,195 |
| Loans granted, annualized | $18.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | net worth falling | delinquency rising |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | net worth falling, margin squeeze |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | assets shrinking | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | delinquency 2x band, delinquency rising | assets shrinking |
| 2024-09 | 4 | net worth falling, margin squeeze |  |
| 2024-12 | 1 |  | delinquency 2x band, net worth falling, margin squeeze |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 3 | delinquency 2x band, delinquency rising, loans>95% of shares |  |
| 2025-12 | 2 | net worth falling | delinquency 2x band, delinquency rising |
| 2026-03 | 2 |  |  |

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

- 2020-07-09 [Albinas Markevicius and Lithuanian Assistance Foundation Announce Lithuanian Charities to Receive Nearly $7 Million From California Agreement - Business Wire](https://news.google.com/rss/articles/CBMipwJBVV95cUxOMHhBOGZxYmxnYXR2bVczNDRXNUxaUUcwNl9IMlZ0RElwMlozZzdIWXRJcEswcDEyQjd0LUhRU3RsSERqbngyQXkyd0w3R2Z0Tm9RQ1NjSGlOR2k0bDZPN09JQ0lvdXhMOGM4NG03Q181YnhwU0VZSnBMazZqeGx0MU43WHFBcnMybUNXX0Q4S1ZIbXBNbDNZcVNFR1pqSGJPNGIxdjU1SzJ3cER5QU1Ebmd1Uk1KRHRyaDBFbkdYcURmNTVLMDR4cWlCSTNhQjY3VXlFZDkxX2wyRnJNVG1KN0hIWmVhTEx2NFVqeGx2YlhOdmlKSlZ0c245Q1IzaDZBV1lPMkphYlR2TDV5TlVsWWV5dlJybUxreklIa216ZUtwMXlRVVk0?oc=5) · Business Wire
- 2025-05-20 [Top 100 Bankers | Event Recap - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiogFBVV95cUxOMEpRRWhGbmxZUzREc1RYRk91Y3NKU1g2YUM1MzJmanJidHhKUDI2dVQwbDRJQldVX3J1dFNZUkl1U0lHdXlIb3Qydk5hbTd5RnExSHk1MUQ4allxVjU4VFUtTExvUnJaN3h4S1Roa3JGNGI0Q0hNaUxXYW0xQjUxU2gxenh4eEcxcHZaSGc5cW4zWU5VeUZod016SDRUSmZRR2c?oc=5) · Los Angeles Business Journal
- 2023-11-11 [‘American culture overwhelms everything‘: Maintaining national identity in Little Lithuania in L.A. - LRT](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNWlV6M3AyS19TaWdLQ2NNWmtYQk5YN0dvdldkcFBQRlp6OTk1bjFPQ1pHVHhIamhIZlByellJTi1rTVNVaktPU1A5TXFWZGw3ajBXZHR5UUNBd2JudXRiUEhOaXREU0w3ZmczR1Nlc3Jmc19WLXU3QVI4aFBkRzZ4MWtnemp3Y3hTUnVveko3ekRkYzJVZDBrZjlmUlRuTE81LXdxc1hXcGxNWGdxX3gyZGlLaWRRTVlVME9BU0c4ckhnQ2hxc0tsUEVKLXdSVlMteXRpWE1tUkpvTk1w?oc=5) · LRT
- 2009-11-30 [Mr. Vytautas Cekanauskas - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQRE56akdHVTdTUUJCcjhBWHlibjk1YzZUdkFhbUt0aFljaUtpUElUZ2dKYUk5SE91T0o1dnJ4YnRaak1oUDE1Xy1wVWU3MlhmNHRicHVhNFllUjI5WXV1TzFnS0IybVktVW5tMkwtLUttWjZjaDFueS1VNzYzUkJINEFud3dIdWh2dGg2cW9fcXA4cWctTC1oc0duQXc?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64834 (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 "64834", 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=64834
- 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