# FIRST FINANCIAL
West Covina, CA · NCUA charter 68404 · asset band $500M-1B · 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/first-financial-68404

Who the members are: state charter, organized 1974. 30,886 members of 300,000 potential (10.3% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 103.

**Verdict on the desk:** this could be *ordinary*. 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 | $510.0M |
| Members | 30,886 (– YoY) |
| Full-time staff | 148 |
| Net worth | $41.5M |
| Net worth ratio | 8.1% (p8 of band) |
| ROA (annualized) | 0.60% (p52 of band) |
| Total delinquency | 0.39% (p25 of band) |
| Net charge-offs (annualized) | 0.43% (p56 of band) |
| Loans / shares | 88% (p63 of band) |
| Cash / assets | 9.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.01% (p97 of band) |
| Operating expense / assets | 4.49% (p92 of band) |
| Vehicles % of loans | 17% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p15 of band) |
| Vehicle delinquency | 0.41% (p42 of band) |
| Vehicle NCO | 0.37% (p34 of band) |
| Repossessed % of vehicle book | 0.18% (p80 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 16% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 16% |
| Average share balance | $6,840 |
| Participations bought / yr | $0 |
| Participations sold / yr | $19.7M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 103% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $12,902 |
| Loans granted, annualized | $130.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, expense trap, loans>95% of shares |  |
| 2016-06 | 3 | leaning on borrowings | expense trap |
| 2016-09 | 3 | net worth falling, expense trap | loans>95% of shares, leaning on borrowings |
| 2016-12 | 2 |  | net worth falling |

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

- 2026-07-07 [$1.2M First Financial Security data breach class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNZFYxQ3VLbU84d2xVTzM1RjFTVGJCOVBNdWdKSk56SzAtcF9ZX0NIS0dNdWlEYzhxdUZCYkgzSjd6U0JielAwNEV1NlZ5VFpZbGk5cFVpNWhfNHRTOEhERVhYWHg5aklmdVdaN1dvZ1J2VGhXVVZRZWVMckFLZmZtRVVrTlVzOEw0TTY2bk1yZHJoRFhpUzlSVHB1REhRalBEZ1FkRlBrUlVvQkVsYS1USUF0X3BhMDlQNXNHZVJqekZPNWUxcFF5YjBKMndFMkNwNi04cGZ3?oc=5) · Top Class Actions
- 2026-08-26 [Get Ready for Fuerza Regida: Essential Info for Their 2026 Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMib0FVX3lxTE1xaTZ1OGRFMFlydU56MDlYTUZuVDBYTkF5eU41Z0ZFdHcwSGlDVTYySmw0TXZJU3BlUEl4SHdLYUlPSEdLM0IwS0w4ejRFb204MW0zQ0NuVktHd2FNek53SzFoRW82RlM3R1h6Wlp3cw?oc=5) · Ticketmaster Blog
- 2025-10-03 [Golden 1 opens first Central Valley financial resource center in Madera - thebusinessjournal.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQY0xWQkxycGk0OXRieXpISnNwdWRKTWpqWVhfTEg4OHU3aVU0enY5d0JvYkJiYUJvbGpna3hsNXVSVnhQVmxvTjRYUXdEY1NvZHY5Ql9yX2Y1OUthMVE3WDBBQjFMNWVuY1ZrSFR3R0hhcXM0dzQ4TXZJaE44aWNucGthZUdKbzJTQkJQeFNTSnRXYW9aU0FlRk1LQllDZ3NUWlNRWEFn?oc=5) · thebusinessjournal.com
- 2026-07-28 [Motionless In White's 'Decades' Tops The Hard Rock Albums Chart In Its First Week - The Nu-Metal Agenda](https://news.google.com/rss/articles/CBMitwFBVV95cUxQbnZDR0l0VlY1ellDWGVlWE1RcDcxaHBkS2lTVWRjNGNVTFlQRHZpVm1OUDZSdFNTVWpQM3pJVkt2MW5TazlDOTNTb0JIR1pnTmRCeC1RdkNtUDNOTkIyV0FiTmllaHp5bzZ0TnpCV2FDbnFJMWJoejl3cS1MWU5weER0NFZDQ3lJUm5XUmtBMDA5OGFqRUR4Qm8zWlVIamlPdHhXdjF4bmJrZGVOUktXNGt6Y2Q5Vm8?oc=5) · The Nu-Metal Agenda
- 2026-08-11 [Fuerza Regida Expands ‘This Is Our Dream Tour’ with 10 New Dates - TicketNews](https://news.google.com/rss/articles/CBMihwFBVV95cUxNc25NLWJSa2taQjlSOHU4Tkk5WHQyZHh5b2IzeXRTVzRVMnhuSGgxZFhyV1Z3VDZ2OE13RERjN3pDUzZKR3RWaWo3cE9IMHFPcF9Zbnk0SHFfa3RaMU1nX1FqZG93X1MxU21RTmsydmptQldYdkYtTDJITDdwam42Y0pibDExNUE?oc=5) · TicketNews
- 2026-06-02 [Here's All The Pre-Sale Information You Need for Riley Green's New 2026 ‘Cowboy As It Gets’ Tour Dates - Holler Country](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQS053SWFFR282bVZ6aGgzdG5qUUhyRjFGcExqbHQzXzJPdWJMVHp4dUdLUDBDSzQ5ODVFTTZwV0o4NTA3RUhIVDVhbXlGb1FCSHU1NG1JbzhDU0NrT2JjZmsyTFJPTVVQYWNKZkYzMUxrLV9aR3JRbXlTQXI1OEZtM0p2RG9WeVZWNW9CUXd5aEx6cXBycDBXTEZ1cnhMaHNLWEFJb2c2NmMyU2w1VWJNLUttNjdUUU10WEdSR1IxeHIxQVB5SHZUMy01Rkg1YmlPeE9sZA?oc=5) · Holler Country
- 2026-03-31 [BABYMETAL announce North American tour with HALESTORM - Revolver Magazine](https://news.google.com/rss/articles/CBMikwFBVV95cUxOWUw1WW1QT2F5MmZXNlJMZFNtNWhRdWNKVGhvaDdSRWZtUzEyYUtfdDZVY1Iza19ucGxCT2FNV2R4R3pJYWhpQzBtMVBCSkYybnp2YUs5NHhqWE9HMHNlcDN2amFRWXVkZ3lDc1hOZVBqVFJXWnJscHBwWGRMZks2eTQwejZlZHplNnZuZ1ZMZGZwOWc?oc=5) · Revolver Magazine
- 2026-03-09 [Thomas Rhett Reveals Destinations, Lineup On 2026 Tour — What To Know | K102 | Wayne and Tay - K102](https://news.google.com/rss/articles/CBMizgFBVV95cUxPYXdEdDhfSmpJNXBiRkg0TkFSU1RKcE1sampobGM1Vl8yUXhvNzFCZDRDbW1mMDJ1MncxSHFlNlhvVWRSM1lvbk1XLVhIV3NSVmZQVnNmNVpYZ3hiU1ZEd3EyRDI3eVY5dGJlYmQ3X3FrV0FCa1dHWFNJMkpGd0NfT1hLRmV3aUczd3VqLWxqUEV0V0VqemFUWGJHZWh0RS1RNWhQWUZvZ2NLSWdVNGNtY2ZLMzFuYkdQTzYwNV9PcWloZUdXVU5JOHVSdVFsQQ?oc=5) · K102

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68404 (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/52.json (key "68404", 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=68404
- 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