# BAKERY EMPLOYEES
Montebello, CA · NCUA charter 65674 · asset band <$50M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/bakery-employees-65674

Who the members are: state charter, organized 1958. 1,218 members of 2,500 potential (48.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 19.

**Verdict on the desk:** this could be *auto monoline*. 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 | $6.8M |
| Members | 1,218 (– YoY) |
| Full-time staff | 1 |
| Net worth | $556,042 |
| Net worth ratio | 8.2% (p12 of band) |
| ROA (annualized) | 0.10% (p39 of band) |
| Total delinquency | 0.71% (p42 of band) |
| Net charge-offs (annualized) | 0.55% (p68 of band) |
| Loans / shares | 26% (p9 of band) |
| Cash / assets | 27.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.15% (p18 of band) |
| Operating expense / assets | 2.52% (p26 of band) |
| Vehicles % of loans | 63% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.75% (p54 of band) |
| Vehicle NCO | 0.00% (p22 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 35% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 0% |
| Average share balance | $4,148 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 19% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $7,111 |
| Loans granted, annualized | $874,480 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, charge-offs p90 |  |
| 2016-06 | 2 | losing money | charge-offs p90 |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 | auto monoline | losing money, net worth falling |

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

- 2021-02-11 [State goes after former Vista bakery, others for $1.3M in workers’ back wages and damages - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMizwFBVV95cUxPRHVDX3dPbkJBZGJEUUplMzNpTGtjQlFtREh2UUpDYWZESjJOODRmWU1WTWpDVnFwQzNRQ0xGRm1sY1VGOUEwU1c3NURRNkJtUHZaRFhPVDRHUEtjZ3JmcHpvaWNpOERvSG5hN3pTZUZXWFh1dHRCSEdMZmpEckxPN0xjdWhJakFSV2dYTHczUllDZkw1ekVoU0ZpRmpKcFlJbUxvNEMwQzlQY3hweXJ1N2xvcXBWTFZzNXMwVGtNTkFjSVo1ZmNYRlFYeWlkb1k?oc=5) · San Diego Union-Tribune
- 2018-02-08 [Photos: Fat Thursday - Bergen Record](https://news.google.com/rss/articles/CBMilAFBVV95cUxON3NvNk9pMTZ2VnVoSGxRZ0ZfRUdHUnBzaHRCNE9KdFBYaDQ5bHRPSWlFQ0Y1TndfbmtRQUVQQ2tVWEhHdGEwb1NHaTB2a3pXaDdIZ3NBMDRSV3ZWcVVDZW1BQ2o1R00tSklZTlN2cXQ5aFJBaHNBczNoQ185LVpJVG1meWNZLWNKYldIcG1Pc1dhcVBv?oc=5) · Bergen Record

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65674 (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/10.json (key "65674", 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=65674
- 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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