# AMERICA'S CHRISTIAN
Glendora, CA · NCUA charter 68062 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/america-s-christian-68062

Who the members are: state charter, organized 1973. 150,078 members of 1,000,000 potential (15.0% of the field); checking penetration 92% (share draft accounts per 100 members); loans per 100 members 10.

**Verdict on the desk:** this could be *participation buyer*. 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 | $818.4M |
| Members | 150,078 (64.6% YoY) |
| Full-time staff | 91 |
| Net worth | $71.0M |
| Net worth ratio | 8.7% (p15 of band) |
| ROA (annualized) | 0.53% (p43 of band) |
| Total delinquency | 1.00% (p79 of band) |
| Net charge-offs (annualized) | 0.27% (p32 of band) |
| Loans / shares | 86% (p66 of band) |
| Cash / assets | 8.8% |
| Borrowings / assets | 2.14% |
| Net interest margin | 2.78% (p13 of band) |
| Operating expense / assets | 2.80% (p16 of band) |
| Vehicles % of loans | 12% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 70% (p43 of band) |
| Vehicle delinquency | 0.62% (p55 of band) |
| Vehicle NCO | 0.42% (p25 of band) |
| Repossessed % of vehicle book | 0.03% (p45 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 533% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 32% |
| Average share balance | $4,642 |
| Participations bought / yr | $60.0M |
| Participations sold / yr | $25,592 |
| Participations outstanding | $148.2M |
| Loans outstanding per 100 members | 10% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $43,931 |
| Loans granted, annualized | $164.1M |

## Participation posture (from the same filings)

Bought $60.0M and sold $25,592 in the latest annualized quarter; $148.2M outstanding purchased (208.7% of net worth), $66.6M sold and retained. Sold in 6 and bought in 8 of the last 8 quarters. Shares 17.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

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

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

- 2023-09-27 [America’s Christian Credit Union Offers Financial Products and Services With a Faith-Based Approach - CardRates.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPcm95Mm54TDk4bkZ0ZU5mTC1SSHNpU2xtSEN0MlpxZmlFNW9yVS01Yms4QzhGTzVmRnY5M2UyNEhvLVczSkNFLUo2dUdLb00yNnE3b2NBa3Vhd1N4anNDNVZVTDBkd0VDMHlQU3JHUXdWc24wSUpLYVp3clBwUmp3Q19KM3MxaVI4Mnd2N2tEQzY?oc=5) · CardRates.com
- 2020-08-26 [America's Christian Credit Union finds successor to longtime CEO - americanbanker.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxQcWQzZTMyWEtSTV9CWWxpNkk4ZGdGZGJSa1hIOEsxNXBtMFpCRVZXc2dJSTVRN3pQblNBNXZKRk0xMkhLZzhPeW9NMlVzcHNtZVpsTWJPd2tVZzVvRDVzODROdG9DZmtocjdtWXZMTnUzbWNEbnNiODI4NXppRHBjUzduY015dnhER0dxQnp3R0hDa1VEZFVkb0pwQzFYTXpkQmt0dEJ2dkx0T1d2OExUbnVR?oc=5) · americanbanker.com
- 2023-10-16 [Should Christians take their money out of banks that don't share their values? - Christian Post](https://news.google.com/rss/articles/CBMipAFBVV95cUxNVUw3TG9OZkZSUWJOQTU0VkZRenJUekYzS2JCekNKQWZzTEczVzhsYWVsaTJwYzZOTUhvNTNYazRtYXZ4LUdCcElDcV9JNjk0cVBKZ3JHdlp3WE9lM1RWWWtZN095eTBmaEhFWWlhdFcwSWVpR0lKaFB4S0RJcWNieGFuWklYb1pIMzlORkRLYzBWbE5MMXNyeWFJMHFMQ09QUW1kMA?oc=5) · Christian Post
- 2025-12-16 [America’s Best Regional Banks & Credit Unions 2026 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNblc5ZFlRYURwTFhWdFZZX3o2ODdLSlJKYjRBaHBlU1pfRVgtT2lOVnc1djFlQXlxUzVkZl9MN2dqWjB2OGs5Um51RUhzb2JId3ZraHkwTnJYa19NOG1PWFdraDlFd1E2Y1FhbWg0UjZzM3V2Ry1fYndBN0RSUU01R1ZiTQ?oc=5) · Newsweek Rankings
- 2011-06-01 [Chamber Names America's Christian Credit Union Business of the Year - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxORXpNUlFtS1ZwbGd4UzNfQ2s5MWxiQWhyRWhOMEJhQ3RCNHQ1TDRHNTJ6cHNKb0YwQkY5TmFEMERvMXJ4RmNhRjl5V2NTb19ZRE5Cd0F3clo4alN1ZW4yR0xNOGRjN2tpX3NVVFlkd1M3cHdmZUVLUk1RYXdDR1p4ckttMU4yeWhPWnFVclBFaXZMUDFlYkdJaVpjeGI2UnpTTnVF?oc=5) · Patch
- 2020-03-11 [ACCU Announces Selection of new President and CEO - Hunt Scanlon Media](https://news.google.com/rss/articles/CBMif0FVX3lxTE9uRHlBWHV5NFpvaTc1MDZBclJRT0JVbkh6bTNlbVFxR1FQMzZpeExYYTUzRE82a3hwWlJOM3RWRVBwWERwSkNrcThvT3plZkRmWmJsaDN1dWU1ZFp6ZzJNYTRvLS1HWDNJRndPM3NfUzlHZWtPZlFpTHZBNTlwWUU?oc=5) · Hunt Scanlon Media
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2018-06-07 [Is there a future credit union CEO in the house? - americanbanker.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNWTNaaU1MZmRkX1JxRlZyMEFONVNVVXRtQTE0Skp1bzl5ZWozX05RbldiVkRHdEE1b0JMXzgteVVWRDlIWlpBcHBpcnFCZHpSUVNfOUhiZFZXZUJWci03Z0pPYzFhU3Q2UjRKZ25kaUhMZmg4Q2g3dVA0RklsM0VyRjhWUy1PTVFBWU1OUmd0WlYxdThZVnNxM19NeU0?oc=5) · americanbanker.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68062 (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/30.json (key "68062", 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=68062
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide