# UPWARD
Burlingame, CA · NCUA charter 65323 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/upward-65323

Who the members are: state charter, organized 1956. 4,267 members of 742,340 potential (0.6% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $93.7M |
| Members | 4,267 (-3.6% YoY) |
| Full-time staff | 13 |
| Net worth | $10.4M |
| Net worth ratio | 11.1% (p32 of band) |
| ROA (annualized) | 0.68% (p49 of band) |
| Total delinquency | 0.07% (p9 of band) |
| Net charge-offs (annualized) | 0.00% (p13 of band) |
| Loans / shares | 62% (p52 of band) |
| Cash / assets | 15.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.04% (p71 of band) |
| Operating expense / assets | 3.91% (p63 of band) |
| Vehicles % of loans | 18% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p53 of band) |
| Vehicle delinquency | 0.13% (p19 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 45% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 13% |
| Average share balance | $8,683 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.7M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $26,365 |
| Loans granted, annualized | $11.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.7M outstanding purchased (45.0% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares -1.4% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## 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 | members leaving |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2017-12 | 3 |  | net worth falling |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 0 |  | members leaving, delinquency 2x band |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 2 | delinquency 2x band |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 4 | net worth falling |  |
| 2020-12 | 4 | loan book shrinking | delinquency 2x band |
| 2021-03 | 4 | delinquency 2x band | delinquency rising |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 | thin capital | loan book shrinking, delinquency 2x band |
| 2021-12 | 4 | delinquency 2x band |  |
| 2022-03 | 2 | losing money | margin squeeze, net worth falling, delinquency 2x band |
| 2022-06 | 1 |  | thin capital |
| 2022-09 | 1 | assets shrinking | losing money |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | delinquency 2x band | assets shrinking |
| 2023-12 | 1 |  | delinquency 2x band |
| 2024-03 | 2 | delinquency 2x band |  |
| 2024-06 | 3 | net worth falling |  |
| 2024-09 | 0 |  | delinquency rising, delinquency 2x band, net worth falling |
| 2024-12 | 1 | members leaving |  |
| 2025-03 | 1 | assets shrinking | members leaving |
| 2025-06 | 2 | members leaving |  |
| 2025-09 | 2 | delinquency 2x band | assets shrinking |
| 2025-12 | 1 |  | delinquency 2x band |
| 2026-03 | 1 |  |  |

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

- 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
- 2026-09-02 [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
- 2026-09-07 [Vote for the Knoxville TVA Employees Credit Union girls athlete of the week for Aug. 31-Sept. 4 - Knoxville News Sentinel](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQS3FNZl9ycHNMTVUwclloeVowbEc0dFBjd25jU1lHYzZHaUxSa05pOEJYcUlIemdIWVNyR09hQjF2Vlh3YV8tbW1TMkFpTGl2T2NYRDRXSGpzcHcwN2U3NmJBNXY1OXhtclRqcHRFU2E4TmxaN0Zrelp4cjhNZGtQSlFTcGFscWlxUmNqQUw1SWxadFVKUXZZTGZxcFZ2UVlFTFNnV0d5LWtlSUh0QTU3RmtPb2pkd3BMZjMxeUJ4NnEzWVVWMERhSGkzTXJYTUxWd0JFM3d6NkxhZw?oc=5) · Knoxville News Sentinel
- 2026-02-10 [Orange County mother warns others of romance "catfishing" scams - CBS News](https://news.google.com/rss/articles/CBMihgFBVV95cUxOODRVSUpWSUExNkZYOXJtTW1wdDFDSlEwWUYzdm9IRW9ZNUV4aUxpSlFOUDktX2ZSTDF3aUlLbEVGV0JOck1Za1hOT281WTlRNHNrRVhiOVZEMUcyQXN6NXptNlR2Z05qSzluajRNTWQ5X09fdW9ac29kNGFUTndwNEdBdkh5d9IBiwFBVV95cUxOc05id2hsNGhqMVA3Y3AyWkRCb295TWVoV3pjZGJaTkE1czBkVkhla1BKNS0xRDRma3dYTzBNX19uM09oVDdWLW1ValRBSVN0LTdoc2ZjSEZVLUtrMTRtM3ZxMWd0ZlIxdFJ6cVNDOERsWHVVVDhONGRSbFgtVkVMaGhSLU83YUhwVDVr?oc=5) · CBS News
- 2026-07-18 [Princeton's Energizer Architect Keeps Moving Onward and Building Upward, Seeking the Next New Adventure - TAPinto](https://news.google.com/rss/articles/CBMigAJBVV95cUxQT3laY0hBTldLdjRvYzBIZlNzWUxoMWxjbTNkX2s3YkRGbE9tYTJFalZ1LW13Uzh4ZVZrQ1dTQk5JQ0VfdUZiNDBDcEo2UmNXYzNnaEtnbDIyMlVMT0QtYnhudjVPeEVBMW5hRzdmTzVPNHUtRFh6cEVkSkwwNGtQeWJ2d19kWDNaNVZmeV9zZUdZRGFRMzh0Uk5ja1FVYlhsc2E3S1VUbEp6V2U5MWtMamJBRnlfWl90dXYzenduLTM0ZGJTc2lCUE1UWUxXUXE5ZWF2Sm93UVdBUW0yM2R1QnJlQzdQUEVRUmJGaWhoWnVfT18zUktPbzJJdU93Qmxx?oc=5) · TAPinto
- 2026-03-20 [Credit unions' mortgage lending closes in on €1 billion - rte.ie](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOTHNoclEtUDB5TXJ0TjI2cU1KQVpCTDZQQmh6NTlubE9wNGh1RVpKVGd6ZFUxR2tDcjQyY1IyTjlQS3ZoZEN6bnJUcVU3QUxzWXpwbE10bkJ3VnFBZnJaZzREQmYtdmE5RjZkcHVuaU9GcVJrNjA1Yjk1MTZ6YkgyYTNyM1RmOElLdDFVVE5wWkZXVGVOanotcXdwWHVvdGRGU1lUOHdPcjk?oc=5) · rte.ie
- 2022-06-28 [Inside credit unions' work to promote LGBTQ leadership - American Banker](https://news.google.com/rss/articles/CBMipAFBVV95cUxNbkNhaV95elQ1bmg4ZDBJbnM4ZDlqN3dwZkhweTV3ZVFUUDdTQ09CMVFNRUNFOFE5ZkdZQzRaaFg0VXppc2ZLY3FkNTFsMWtDdnUtSmZLTUFoVTBJaHlHZ2JEVjlPRE11aDl5NzBvdlk5eFZVTU5pZTB5UUhMLUtWV0FRWXJwTmd5R0JMMUZpNGt5V2NqZEVIV3ZlV09qSFIzVEJ2ag?oc=5) · American Banker
- 2025-03-25 [Primus Brings Onward & Upward Summer Tour To Michigan Lottery Amphitheatre July 16 - 313 Presents](https://news.google.com/rss/articles/CBMivAFBVV95cUxQWFFkcjdBaXlLTjhqSHJab29SeHdGY1dmcXNZMGgyRXZXaklxeEJWRDU4aWEyQ3Q2eVdOeUxqX1RIdlY3V09nQU5WOXJoN2p6eXktb19mRU5nSFFlUjZZTUxMN2FISEVMMjdjblBYZVdBTThHSjJ3dDdvZkM2eDhrV21XWTNPNVpqRFhqeFZGeGVFVTRhZmxsWXk3bzJPY0FOSGpvSjFpQ211S3U1RXpzdmJsMTZhNW9HR2hmSg?oc=5) · 313 Presents

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65323 (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/43.json (key "65323", 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=65323
- 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