# F3
SAN JOSE, CA · NCUA charter 64835 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/f3-64835

Who the members are: state charter, organized 1931. 12,873 members of 40,000 potential (32.2% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 184.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $239.4M |
| Members | 12,873 (-0.1% YoY) |
| Full-time staff | 33 |
| Net worth | $43.2M |
| Net worth ratio | 18.1% (p97 of band) |
| ROA (annualized) | 0.53% (p37 of band) |
| Total delinquency | 0.98% (p78 of band) |
| Net charge-offs (annualized) | 1.00% (p88 of band) |
| Loans / shares | 57% (p15 of band) |
| Cash / assets | 14.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.37% (p37 of band) |
| Operating expense / assets | 2.90% (p20 of band) |
| Vehicles % of loans | 36% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 54% |
| Third-party paper % of net worth | 103% (p58 of band) |
| Vehicle delinquency | 1.99% (p93 of band) |
| Vehicle NCO | 1.77% (p87 of band) |
| Repossessed % of vehicle book | 0.05% (p62 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 13% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 19% |
| Average share balance | $8,905 |
| Participations bought / yr | $32.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $31.1M |
| Loans outstanding per 100 members | 184% |
| Loans granted per 100 members, annualized | 197% |
| Average loan balance | $4,791 |
| Loans granted, annualized | $56.0M |

## Participation posture (from the same filings)

Bought $32.0M and sold $0 in the latest annualized quarter; $31.1M outstanding purchased (72.0% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -0.9% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **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 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, margin squeeze |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | net worth falling, charge-offs p90 |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 4 | delinquency rising, assets shrinking, members leaving |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 1 |  | delinquency rising, assets shrinking, members leaving |
| 2024-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | delinquency 2x band |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising, 3rd-party paper>100% NW | charge-offs p90 |

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

- 2026-09-09 [SCV News | Nov. 5: Raise a Glass for a Great Cause When Wine Under the Roof Returns to Bella Vida - SCVNews.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOZHVlbUg4MTEwSzMwWjB4MXYyMEdJd0UxWmxKVldUaEVTZkV0alVBNjE3SUxOZlhtdFhkd1ZVOW9ieVEwVmQ0amo0blBpbThkb0VVTURiTHJEZFlHaVlCMTlXZ3huWUxCY21GcG9SUG5KVDN2YnpKV2ZuVzEySXhUdzFhY1ZkY3ltdE1ydzdQaTVaQ3hEMTJwT0NBQVJiLXNmQ0pzZC1WcTY?oc=5) · SCVNews.com
- 2026-05-01 [WiSH Education Foundation’s WiSH Upon A Car Showcase Saturday, May 16, 2026 - Santa Clarita Magazine](https://news.google.com/rss/articles/CBMitAFBVV95cUxObk40dW90c25vaFpzZEpOXzJfM3BhaEtqcXVpQVp4c210cHRNUGdEUzRPZGlIYWlIc2dCa21QOHpJUkdQOWlZUGZ4eVJzQ29TV2pMUU9jTzFHcmd0QkZPRk9LendwbF84cU4xV1R2ZjR4N1REREwwNkNxRUZobHpUOGlfVDZkTUJnSjRyVlFUcE4tOEgzRmRwNFVSWEt6VGNZN19tcF9DVlJOZ2VhZTdNaG96V1g?oc=5) · Santa Clarita Magazine
- 2025-10-31 [Terra Madre Americas brings global flavors to California’s capital - ucanr.edu](https://news.google.com/rss/articles/CBMisAFBVV95cUxNWHpBdlpVTHFQU0s3RGdGOHJBM1M4NUd4SGx5bVY5eFJsNVBJNjI4NDhxenJwclp2N0EyekFHT1hqS0tNbnYzY0VrcWEycmdIYTVJNEhKOUd1TUpBb3pwZnpOcW9YX1UyTXpSQmw2aHpuMkxfdU80YTBOUm1RLXphdjZLS19OT1NkMWxwVnR6bGFoZDVHc3BBRThHMnlIaFRWR3V4TXRkUkVReGVhM1RIbA?oc=5) · ucanr.edu
- 2024-11-08 [Monthly Bulletin – October 2024 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTE9rUmxRZy15NVFOMGhmOHBGLXV0MHY4Vm16MnB1MHhjWWhZdjV5S3FUbnV6WFBGZGY3VkJ2eFVyNEZwazB3VTFjQlJfbGc3WHRlVkRfek9Vclk1Sk14eU9xYWZEMGJfUzM1U1U5ZFYzR2t0ZFVIR0Q0QmE1Q0xDUQ?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2025-11-01 [Wine Under The Roof Returns to Bella Vida on November 6th - Santa Clarita Magazine](https://news.google.com/rss/articles/CBMioAFBVV95cUxNQW4yMWM3ZkVhVnloUUdiLXRCSjE2UC1rOUtyNEJrN1Q2N1JrT1B1VVA1UmxhZkcwTHFUY042MjZmSlh5dG9scUh4ZXVOSUEtS3RXMWxGdnZiTFlqLXo1ZjJOOVprYTRReXNrT3FMcVVoZHRUQXZwQmJ2N0lfdUphRTM1aXB1djBDVVFtNGkwWmFvYjNydlZ0cDRYWWI1Nm5M?oc=5) · Santa Clarita Magazine
- 2025-09-21 [UC ANR offers ‘Taste of California’ at Terra Madre festival Sept. 26-28 - ucanr.edu](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5TdmxiTjZXemFwdnZrZUFhOXdGSHZQemkyVzI1ZjQ1dkJVSThsRVFueFc3ZHRxazRLeHRidDFWRlU5WVVlMDZ0ZVI3azBxZjFQVHVaSTVhSlJodDhHYmotcw?oc=5) · ucanr.edu
- 2024-08-30 [WiSH Education Foundation’s Cocktails on the Roof September 6, 2024 - Santa Clarita Magazine](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQZ2tsU1hXLTVsX2d5T2M4NVBSVDY4SXRCY01KbVN2dDlMRUhnMDJVMDZPcUlDNTBVY0hheUNYa3BqYzVDU3lxOFZnMVlOVkx5bDZEcnVuOWpmaHNKcWx4VVh1UE9YVlV5TnVxdGQ5TGVyOWg2bnptZ25nNG5TNS1QaEFVYXdmQm5jdHd3eEp2MWE0MjY2QzhFVGh1eWViVEluU0w5T3FJX0ljaHc?oc=5) · Santa Clarita Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64835 (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/3.json (key "64835", 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=64835
- 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