# CALIFORNIA COMMUNITY
Sacramento, CA · NCUA charter 68321 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/california-community-68321

Who the members are: state charter, organized 1939. 4,112 members of 38,000 potential (10.8% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 126.

**Verdict on the desk:** this could be *quiet fade*. 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 | $79.9M |
| Members | 4,112 (-4.7% YoY) |
| Full-time staff | 13 |
| Net worth | $10.0M |
| Net worth ratio | 12.5% (p46 of band) |
| ROA (annualized) | 0.45% (p36 of band) |
| Total delinquency | 0.19% (p19 of band) |
| Net charge-offs (annualized) | 0.31% (p57 of band) |
| Loans / shares | 42% (p16 of band) |
| Cash / assets | 38.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.18% (p24 of band) |
| Operating expense / assets | 3.01% (p32 of band) |
| Vehicles % of loans | 43% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 25% (p70 of band) |
| Vehicle delinquency | 0.37% (p39 of band) |
| Vehicle NCO | 0.46% (p64 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 15% |
| Average share balance | $8,798 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.5M |
| Loans outstanding per 100 members | 126% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $5,593 |
| Loans granted, annualized | $5.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.5M outstanding purchased (54.8% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares -3.0% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | margin squeeze, delinquency rising |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 3 |  | delinquency rising |
| 2020-12 | 5 | losing money, delinquency rising |  |
| 2021-03 | 4 |  | delinquency rising |
| 2021-06 | 6 | delinquency 2x band, delinquency rising |  |
| 2021-09 | 3 |  | losing money, delinquency 2x band, delinquency rising |
| 2021-12 | 4 | losing money, loan book shrinking | margin squeeze |
| 2022-03 | 4 |  |  |
| 2022-06 | 3 |  | losing money |
| 2022-09 | 1 |  | net worth falling, loan book shrinking |
| 2022-12 | 1 | delinquency rising | members leaving |
| 2023-03 | 2 | charge-offs p90 |  |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | charge-offs p90 |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 0 |  | assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | delinquency rising, members leaving |  |
| 2026-03 | 2 |  |  |

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

- 2025-12-18 [California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTGxlNEF4aW9OOVBlYVYxTjRYMDRvUHFnM3RSZjR0MWpGYi1MbXZHdU5RREhWalRxUENSYlZyQUQ0M1haYThOaWRZSHl5LWVselpYOUpBWmNnOHdaWWJxTXdiczhfc0hOcjFKZ1A1amtUT2k5UU0wRWd6Wk41aEJGOF9MOFBJZE5BeU51XzVyck1PUQ?oc=5) · Newsweek Rankings
- 2025-11-07 [SAFE Credit Union, Menchie's join revamped Granite Bay center - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQSFpyMDNtMXdydU9vR0dfb0Y0WGJiSHRTSDF1eTkzVFp2Y215UUIzNkpZdGZYMU11MVhnbXpYWTFYdWFHVm1xZUVPYmd0MTFmd0hLcHdEODI4bFFPUGs4eGRtM25zMEg5WVhqWnJGeFZCT19HTlJQZXFYeENkb2s0QlVBVlRpbGVXdWVwNEZlRE5NSGxIVUJ6NW1BMDBIYmc?oc=5) · The Business Journals
- 2023-06-20 [Forbes 2026 America's Best Credit Unions In Each State List - Forbes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vRWJOaE5OZ1NrY3RJeUZnWS1yRXkwMUYzYllJMTN3VEQxTWtwNHJGdC1FejkwVF9UT045OWFhQ0NSWmtzTHBJeXZFSFdydTNuc2VyT3BjUGRLcmlWLWhaVHNJUVZMRHNt?oc=5) · Forbes
- 2025-05-13 [Trump Quashed Updated CRA Rules. Can California Step Up With a State CRA? - Next City](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPUzBnLUNSWHNPYlVNRG9kNW0yN1lEeG9BTUwxdFdWaFhKd1YtVF9YY3JCYTdGekl2TWRucUhWbmZEaENTM3lIckgtMWRzcnM4b0dxQ2c2LVF1LXBadjRDaVdIRGtKejhrS2F2MWVaRUVjVDBtckdQRVp3WkR0RGRMRnI5QjFwMWp0d2VHemNJQXlDOTJFbWlIX0htdHNUZ1Nyd0J4bV82a1ZLZkk?oc=5) · Next City
- 2023-03-15 [Governor Newsom Announces Appointments 3.15.23 - California State Portal | CA.gov](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPUGRrWmdiYkxWdUFXdUxjbEZuSll4bE9LRzZjLUJDS2liVENrVlZnYW9zVkxpTmVLcUR2SEhPUVgtUlBNT25hTkdRLTJ2UDNUUGFFa0xPMWVvVlloeTZwWHBZVUFvNDRVSjlGcE85VzZoRms0M005eUJmY2Vra1k0Y0hXb2NBMnd1?oc=5) · California State Portal | CA.gov
- 2025-06-18 [EECU wins in three categories of 2025 Best of Central California Awards - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxNZk95RUlMZ3ZkckttbnA2cjNpQTVCcVMwOHZPa2prMGpTRnhSR20wampOQ2dieE1jbXdMMnAxLWhHb0hyeUVFZmwtTDVoQkl6cnUwTExIUFBtS1BLRVZJLWdWTmxQQlJwaUJKdmxEc3A4d0JCZ1ozYXBuakNUcDY2SU9IT0xVR3Z6MzRyX1l3REZyZ3J1c0d6UUN4Z3VTSE05Zko3YUhqZV9HZXVWcTU0bHRB?oc=5) · CUInsight
- 2026-07-22 [Asm. Mia Bonta’s AB 801 Targets Lending Bias and California’s Persistent Racial Homeownership Gap - The San Diego Voice & Viewpoint](https://news.google.com/rss/articles/CBMitwFBVV95cUxNdU81WFBMcGNuVGVvSlRBVWJWbl8wWHREdW0zcmhqYnZMenNCODVpTVlJbGxYel8zMFZZWk1JQl9xQTdKa3VUMHF3Wk5qc0FlLXNRQ1E3N0xYcHN3aE9yOUh2N3RKc0dXdWNLTEFvZ1IyMnBDTGs1QWtHQ1BjVFJJZTdJQkdENDdmalZEdTY2Yjc1a1kxOURyWXRtVWZGMXJvRkJFX095SWRhS3lGay1FQ1ZmdDJkUEE?oc=5) · The San Diego Voice & Viewpoint
- 2025-05-09 [More, but not enough, Californians accessing free money for college, career - EdSource](https://news.google.com/rss/articles/CBMitwFBVV95cUxNOVhZUkRkcC1aU1VJNkV4aDNpMm5JQ0VWZ3Y2S0ZwMUR4bi1JdjgtRWFxcG92M3RzQVI4SE9kZjR6eE91MlY1R25OampwZHB4eURSbjJ4bkV1WF9NTXBRQ09rV0N0N2VPWHYxLW94NTJmZVE4V2cwbGRCd3V2NC1GQTVUcHhJTTM0MmM1OFdKcEVJeUV2N2Z3VWlEQlQ5UkxscDc0QzZRcDlfbHpublBUYmEtUkdfekE?oc=5) · EdSource

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68321 (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/33.json (key "68321", 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=68321
- 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