# NIKKEI
Gardena, CA · NCUA charter 65059 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/nikkei-65059

Who the members are: state charter, organized 1951, minority depository institution. 3,779 members of 204,846 potential (1.8% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 20.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $80.6M |
| Members | 3,779 (-6.6% YoY) |
| Full-time staff | 14 |
| Net worth | $11.6M |
| Net worth ratio | 14.4% (p66 of band) |
| ROA (annualized) | 0.11% (p18 of band) |
| Total delinquency | 1.26% (p79 of band) |
| Net charge-offs (annualized) | 0.07% (p28 of band) |
| Loans / shares | 85% (p89 of band) |
| Cash / assets | 18.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.97% (p17 of band) |
| Operating expense / assets | 3.22% (p38 of band) |
| Vehicles % of loans | 8% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.90% (p89 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 91% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 38% |
| Average share balance | $11,619 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 20% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $75,755 |
| Loans granted, annualized | $10.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $3.6M sold and retained. Sold in 3 and bought in 0 of the last 8 quarters. Shares -2.4% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **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 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | losing money, members leaving |  |
| 2017-06 | 2 | delinquency rising | losing money |
| 2017-09 | 0 |  | members leaving, delinquency rising |
| 2017-12 | 1 | members leaving |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 | delinquency rising | members leaving |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 | net worth falling | delinquency rising |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 0 |  | net worth falling, delinquency rising |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | net worth falling |  |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | members leaving | delinquency 2x band |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 3 | delinquency 2x band, assets shrinking |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | delinquency rising |  |
| 2024-12 | 3 | loans>95% of shares | delinquency 2x band, delinquency rising |
| 2025-03 | 2 |  | loans>95% of shares |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | loan book shrinking |  |
| 2025-12 | 2 |  | assets shrinking |
| 2026-03 | 3 | delinquency 2x band |  |

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

- 2026-07-03 [Honoring a Legacy of Mutual Support - Rafu Shimpo](https://news.google.com/rss/articles/CBMibkFVX3lxTE9Ua1BBMF84eTFMd2pDV3JVZkhCUThmdWdTRHgwTFFxMnhXLUc2RXk5MkRPNkxSM3FSekJrMmI4Rld5M216ZHB0VWJ1LWM2dUFhNjFETHYtS3VRYUFoUVlvMWpHWElESXZwMnFaTUpB?oc=5) · Rafu Shimpo
- 2025-05-07 [Maintain your wealth: Best credit unions in the South Bay - El Camino College The Union](https://news.google.com/rss/articles/CBMinwFBVV95cUxOQ0JERDRWRlV0dW1sLWR2VjItUXJTaWFMVUpZaGpTdndRclBhbGo2SnJqdGFUMk9WTndCYzJUYWxocldabVhVelR5eGVfb2tfNTBlT2lSY0poRThZOF9SNHlEbTdYMXEzZDh4OGlxVzhWOUVlSmNMUFhXNng5UklfSU14b0dJZ0pRUlZnTDBnbnFYTm83bzh0OS1NS24zNHc?oc=5) · El Camino College The Union
- 2025-08-28 [Huntington Beach Credit Union appoints Aron Harrington as President/CEO - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxNalAtcDlKM09jSXBSV0dVblZrZmg1Wm5wVHFxdFc3eXFwblUwMGNXUWtqN253NGRwb214am84aktUQXVkNmtlaldOR08wd3NJa0VlbDYxZ1NfNDdyWW9HZVV6QWdlN2Zwbnp4SF9yNFl1VWdMSC1RSklTeTRMLW9KQmE5OU9DOHFXUGJqaXNFd1JuMm9OOTBwQ2VwOXRybWJpVEU0dm1QZFBWNlIyblU4LVdB?oc=5) · CUInsight
- 2016-08-24 [Secrets of High-Performing Boards and CEO Sharing - American Banker](https://news.google.com/rss/articles/CBMipgFBVV95cUxQYTNyUi1kcnBsbkdkUGJMZ0FUZ3hkaVlpdkVEMFhHeTZaQmh3WXVtNXJ2c1JwMFU4cHY5SjU2cWdlemVZaXBiVTUwMmk0ZWd3cnlHN1dleEtqSThPM250WHAxcUVMT0JDY3BVcHJGRWVsYUpVdzdqdGJROEJyOW9mVWR5dmsxOUZlckU1VXJTV1EyX1E2eGNrZU5nMHFOcEdZdHdTVnlR?oc=5) · American Banker
- 2022-08-28 [‘Welcome Back’ to Gardena Buddhist Church Obon 2022 - Rafu Shimpo](https://news.google.com/rss/articles/CBMigAFBVV95cUxQU1hyOEtrc2J5TU1kNzBwU1R6Rjd4MXJlVnYtQWptN0NtQm5RRF81cFo3Q3JzQlRqWjMyQ0lLMnBXRXVQWFJPemRfOTlqeE0yYUZ2Rm9NcE41S09ERUxtWGVxOFpucXJIWW15QURJckFlcy1yZnlIM1duNDg4azE3eg?oc=5) · Rafu Shimpo

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65059 (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/35.json (key "65059", 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=65059
- 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