# ORANGE COUNTY'S
Santa Ana, CA · NCUA charter 68416 · asset band $1-10B · latest filing 2025-09 · stopped filing after 2025-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/orange-county-s-68416

Who the members are: state charter, organized 1938, low-income designated. 142,578 members of 17,800,837 potential (0.8% of the field); checking penetration 83% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *participation buyer*. 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 | $2.86B |
| Members | 142,578 (2.9% YoY) |
| Full-time staff | 350 |
| Net worth | $298.5M |
| Net worth ratio | 10.4% (p43 of band) |
| ROA (annualized) | 0.83% (p61 of band) |
| Total delinquency | 0.56% (p38 of band) |
| Net charge-offs (annualized) | 0.37% (p34 of band) |
| Loans / shares | 93% (p64 of band) |
| Cash / assets | 10.1% |
| Borrowings / assets | 7.34% |
| Net interest margin | 3.04% (p37 of band) |
| Operating expense / assets | 2.71% (p27 of band) |
| Vehicles % of loans | 31% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 47% |
| Third-party paper % of net worth | 209% (p67 of band) |
| Vehicle delinquency | 0.64% (p49 of band) |
| Vehicle NCO | 0.80% (p43 of band) |
| Repossessed % of vehicle book | 0.07% (p50 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 104% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 37% |
| Average share balance | $7,776 |
| Participations bought / yr | $371.9M |
| Participations sold / yr | $2.1M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 33% |
| Average loan balance | $28,636 |
| Loans granted, annualized | $830.6M |

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 2 | net worth falling, delinquency rising |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | margin squeeze | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | thin capital |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 | delinquency rising | net worth falling, margin squeeze |
| 2021-09 | 1 |  | delinquency rising |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | 3rd-party paper>100% NW |  |
| 2022-06 | 1 |  | thin capital |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | leaning on borrowings |  |
| 2023-03 | 3 | net worth falling |  |
| 2023-06 | 2 |  | net worth falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 | delinquency rising | 3rd-party paper>100% NW |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 2 | 3rd-party paper>100% NW | net worth falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |

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

- 2025-09-19 [Best of Orange County 2025: Financial: Best credit union - Orange County Register](https://news.google.com/rss/articles/CBMimAFBVV95cUxQZXNLS3FUM25idXR3ekZUR0pHaXBmV3BlSzBpMGRyUmkwRkg0SGJra2FSSy01ODZVdXlPTk02YlFEX0ZQNXRITmRMeS1vNzIxcloyN2FybjZfRW5xSEQwT2ljLUVqVFVoaThZUmRSOGx2TkpCdFEtcldGams0TkNwNzlXcV91SVNTV3VfRl9fMldsQUUydFNFbQ?oc=5) · Orange County Register
- 2024-02-28 [Frank Kim, Orange County’s Credit Union board member, receives lifetime achievement award from Orange County Business Council - CUInsight](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPQWxzUmh4djN4bWpSOWdMT2Z1Slp5ellhTV92Z2NuM3Bld0JESVFiaml4YnBBLTRkTlZXR3NhLXF5T3VVd1ZlaEhVMndZbmlBYjMxUGtaVkY0bTd6X3RkX0VDd2xVbE9nWEk3Y0I2YzBZT3EteFRBR2wxUEViY2g1UXdBcVBPaEQwcE1EeHlQT1M1LUlMQjQtMWJrb3JrNTdneFhxUlRMalhzblVseDV4TjJseGFrME9ERnRJcE9YajUwV01VZ2lYWENRR1VVY0d3Tnc1cV92WDAzcXlVUlpzX2ctbFk4YWhGMko5dS1GUkNYbGhPZmc?oc=5) · CUInsight
- 2023-07-10 [Orange County's Credit Union Welcomes Kathy Jumper as New CEO - PR Newswire](https://news.google.com/rss/articles/CBMitwFBVV95cUxNU01KczRuNzA3ZHRnODRYU3JpV20tblFMeHZyX3YzcU4xWWkzWVUxLVRiSmtfaFY0SDYwWFdpdEI1WDdJVnlhWVkwdF96aG1TS1JWUC1XTmVNY3UwOUxDc24tclA1WGZkdXJfbE9OcXRvZGJUMjVSMF9NZjZnRk5lbHE0SFVrQU5FNTRqOURuMkZmWDhrYmdMVkMzcmRNalpmSGdSeVVmcm1UTURoRHR3Z1U5N3hXTTQ?oc=5) · PR Newswire
- 2023-07-10 [Orange County’s Credit Union Names New CEO - Orange County Business Journal](https://news.google.com/rss/articles/CBMie0FVX3lxTE1wdVctQ1JQV25qUWRaTDd5a0g0ODBCTmVBRnVCN3ZBNHZmNllieGtqZnJXanl4OS1mWUZBZ1gwUTZKSEpXQ2RaNl91aXh6YnZzcDRqaVJ4WUdjWEZYUWVzUmE5Z184QzROQkYtaE9SMDVISzlmMWp1Q0kyOA?oc=5) · Orange County Business Journal
- 2022-09-08 [Orange County’s Credit Union Promotes Fabiana Burkett To Chief Risk Officer - citybiz](https://news.google.com/rss/articles/CBMiswFBVV95cUxQN2xYTjBVT2hqQ1JiRHFnekVnS3pBWFY1SDBBdmRjTXFOOXlFSVpJMkR4NUNDSF9yX2c3eVFzZ1BhQnowTkJnYVFXV2d5TmotZ1NsamRPUWVuTTNOMldqZHVNV2pYcTU4NGZlNnJkc1Rvbmx4a0taWGdkOFAxZG9MNlUxTW8xNnZPbTNiWkZ3Rm0zLTRWc3BjVDdWMkRyMC1aQkYweWpGRE1pVDlwamlDUHFKbw?oc=5) · citybiz
- 2024-07-04 [Credit Unions for Kids’ Partners Pledge $5 Million to CHOC - CHOC Inside](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOYnpSdThkVEhNWDMxVklLck9Ldnd0OTkyWjd4QWYzNXk0N0UyQ2xWU2l2Z1ZNcm1JMzJPa2w1MDZqSTJPNno3R1FKa2w0Qk0yQURxTnoxVDJjR2dtZHA4VEJSVHBUUGcyQ1BaZzk0TktwMkZMbjZQbXI5UmkwTHNsQXdBalNvT0dL?oc=5) · CHOC Inside
- 2022-07-12 [Former NASCUS head exits retirement to lead California credit union - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxONEFyc3JMVmNveVhzQ3NQYnlrWEV1c0Y2V1hVa1VBb18zdzJ4T0JTMlN5ajhGR3kteWZOelFJckZFakpiU0J2ZG82a2pqbk4wVDFMYTIyNS1lMEJsc1VhNTFzUGFyenZMMHM4a1B0MUdEN0FKSFNpWWZ0YXY2NTFoa1ZJY0dBc1pFOEtaTUpkc0t4N0R6M1lUZWlIdmw1bzRRMVpnc3N3b29iMGYyTEk3ZnM1ald6eUU?oc=5) · American Banker
- 2024-09-20 [Best of Orange County 2024: Financial: Best credit union - Orange County Register](https://news.google.com/rss/articles/CBMimAFBVV95cUxOdkZEbDBHeE9vRndJN1c5SHZHSHpwMXhFV0Y4QktwWEhPcmNKalR6YXBVNnlIWUpyNDBaREpOY0xQSFN6RjFWcHpKNWxGcURlanhuMzhKdHV5X1RBX3Vsa1N1NEpXOTBaMGFWWDhXQ1lzUlplTXluVW5mYm5BdDlEVzlEc0FGMUdELXdGVmxiVC1wUE91VWJVNQ?oc=5) · Orange County Register

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68416 (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/0.json (key "68416", 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=68416
- 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