# UNIVERSAL CITY STUDIOS
Burbank, CA · NCUA charter 64893 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/universal-city-studios-64893

Who the members are: state charter, organized 1927. 5,305 members of 15,000 potential (35.4% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *too clean*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $71.8M |
| Members | 5,305 (-8.6% YoY) |
| Full-time staff | 16 |
| Net worth | $5.9M |
| Net worth ratio | 8.3% (p5 of band) |
| ROA (annualized) | -1.87% (p1 of band) |
| Total delinquency | 0.13% (p15 of band) |
| Net charge-offs (annualized) | 1.08% (p90 of band) |
| Loans / shares | 74% (p74 of band) |
| Cash / assets | 11.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.39% (p34 of band) |
| Operating expense / assets | 5.65% (p93 of band) |
| Vehicles % of loans | 29% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 26% (p71 of band) |
| Vehicle delinquency | 0.08% (p15 of band) |
| Vehicle NCO | 2.19% (p94 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 18% |
| Average share balance | $8,337 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.5M |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $19,498 |
| Loans granted, annualized | $4.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.5M outstanding purchased (25.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -4.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, repo signal |  |
| 2016-06 | 2 |  | repo signal |
| 2016-09 | 1 |  | losing money |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 1 |  | net worth falling, members leaving |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 | assets shrinking | thin capital |
| 2018-09 | 3 | delinquency 2x band |  |
| 2018-12 | 4 | members leaving |  |
| 2019-03 | 2 |  | delinquency rising, delinquency 2x band |
| 2019-06 | 1 | delinquency rising | assets shrinking, members leaving |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, margin squeeze |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 5 | thin capital, delinquency rising, loan book shrinking |  |
| 2020-12 | 6 | losing money, delinquency 2x band | loan book shrinking |
| 2021-03 | 6 |  |  |
| 2021-06 | 4 |  | net worth falling, delinquency 2x band |
| 2021-09 | 4 | delinquency 2x band | margin squeeze |
| 2021-12 | 5 | net worth falling, loan book shrinking | delinquency rising |
| 2022-03 | 3 |  | delinquency 2x band, loan book shrinking |
| 2022-06 | 3 | 3rd-party paper>100% NW | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | delinquency 2x band | losing money |
| 2023-03 | 2 | assets shrinking | 3rd-party paper>100% NW, delinquency 2x band |
| 2023-06 | 1 |  | thin capital |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 2 | delinquency rising | net worth falling |
| 2024-09 | 2 | expense trap | delinquency rising |
| 2024-12 | 3 | losing money |  |
| 2025-03 | 5 | net worth falling, delinquency rising, repo signal | assets shrinking |
| 2025-06 | 3 |  | delinquency rising, repo signal |
| 2025-09 | 6 | delinquency 2x band, delinquency rising, members leaving |  |
| 2025-12 | 6 | thin capital, assets shrinking | delinquency 2x band, delinquency rising |
| 2026-03 | 6 |  |  |

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

- 2026-07-14 [Universal City Studios Credit Union Now Opento All Los Angeles County Residents - MyBurbank.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPYm1KV3hrMVUza1F3UlRTa05WQ0oxRFRZTkRia3FjUjBCQVNTdmJ2N19Gblp0STNDeEpNR08tbXpVeGlTVndOZU05OExZNnpUX0JJZUFOcExCaHNWOERCMEtjZ2VvTkZyTkxoSjNMZ1lzbUthWWlqMEw3S29OY0dGc2V6ekhkbkJURng3S3hTenVoSFQzLVFLSmJOLXZYcWRpMU9MTA?oc=5) · MyBurbank.com
- 2026-09-02 [23 leaders & organizations honored for excellence, achievements, and contributions to the credit union movement - CUInsight](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQdXBWajNJcUxUZnBOTldCZXZBbnhKU1NaTUdZYTdvd3FyMVAxMTh4YjNaazVsNkNOMVNnZGRlaVZVSm8zMk9FemU0S2hJS2hUeXF5Uk4wYlVPOERMR0ZCYXNyeldQU2tTN055Mmp3RUt4X0JCamNXOWI2b0Jfd2xsS3B0TzdLZm5nNTFEV0FJY2xUZXRRMkU5SzZGeWJBd1JiS0d4RXlFWnlyZ1Y5VnQ1U3o4Y2l6dkplcFl6ZXlZY1lBUmVrdXZDM0NJbVRWYzdJUGdBTm5pNnR4Q1NuZE9XZUFNQzM?oc=5) · CUInsight
- 2026-09-04 [California, Nevada Credit Union Groups Name 2026 Award Winners - cutoday.info](https://news.google.com/rss/articles/CBMipgFBVV95cUxNVE5rOHZvOXpkQ1RQWmVnNVI4NkFWVGNSVHBZUXp4NkdDUlNNb094SjFSWDlLM0FnUERmQzFCeDhQX1dmbDF0MUlGNDZFVGFvTlMtLTJhaDUzbFBEczJCWlJUZzdJZHAzeXVrVnhKZFJGMUFKck5aRndWY1pXS0ljQWFGUmRqd1V2ckU1YmllemMzX2VKM3h6M1ZubHQyemZuZW55RWdB?oc=5) · cutoday.info
- 2026-07-14 [Street Closures and Parking Impacts for Fan Zone in Downtown Burbank This Weekend - MyBurbank.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxNQ0lxNmx5cmlJLVVDaUxVUzhHUWJ0WllFQUtxTVFsSFBRMGx6VDVfUG9ZZEUwWjg1cjV2UEFCSUVjOVNBeUljekZNYWJXVUhBZ2gtSlRsUnB5QjR6X1h0TnpUODFlNTE5NG1ZaWpLU28tZ2I5cHdNQ2praDRhUFp6Zmp1c0ViUE1QRjVmejBqdU1jQU43UEtyRTdzcWhpSlVjeExvTVVjQQ?oc=5) · MyBurbank.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64893 (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/61.json (key "64893", 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=64893
- 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