# CREDIT UNION OF SOUTHERN CALIFORNIA
Anaheim, CA · NCUA charter 68456 · 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/credit-union-of-southern-california-68456

Who the members are: state charter, organized 1954, low-income designated. 183,092 members of 17,898,307 potential (1.0% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.65B |
| Members | 183,092 (18.6% YoY) |
| Full-time staff | 471 |
| Net worth | $423.8M |
| Net worth ratio | 11.6% (p64 of band) |
| ROA (annualized) | 0.93% (p68 of band) |
| Total delinquency | 0.53% (p35 of band) |
| Net charge-offs (annualized) | 0.62% (p66 of band) |
| Loans / shares | 70% (p14 of band) |
| Cash / assets | 5.5% |
| Borrowings / assets | 9.96% |
| Net interest margin | 3.00% (p34 of band) |
| Operating expense / assets | 3.04% (p43 of band) |
| Vehicles % of loans | 21% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 1% (p9 of band) |
| Vehicle delinquency | 0.38% (p25 of band) |
| Vehicle NCO | 0.74% (p38 of band) |
| Repossessed % of vehicle book | 0.00% (p12 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 102% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 26% |
| Average share balance | $7,599 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $25,991 |
| Loans granted, annualized | $453.9M |

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)

## 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 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | leaning on borrowings |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 0 |  | leaning on borrowings, net worth falling |
| 2020-09 | 1 | leaning on borrowings |  |
| 2020-12 | 0 |  | leaning on borrowings |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | net worth falling |  |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | leaning on borrowings |  |
| 2022-06 | 3 | net worth falling, delinquency rising |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | net worth falling |  |
| 2023-06 | 2 |  | net worth falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | net worth falling | delinquency rising |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |

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

- 2026-09-02 [23 leaders & organizations honored for excellence, achievements, and contributions to the credit union movement - CUInsight](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQdXBWajNJcUxUZnBOTldCZXZBbnhKU1NaTUdZYTdvd3FyMVAxMTh4YjNaazVsNkNOMVNnZGRlaVZVSm8zMk9FemU0S2hJS2hUeXF5Uk4wYlVPOERMR0ZCYXNyeldQU2tTN055Mmp3RUt4X0JCamNXOWI2b0Jfd2xsS3B0TzdLZm5nNTFEV0FJY2xUZXRRMkU5SzZGeWJBd1JiS0d4RXlFWnlyZ1Y5VnQ1U3o4Y2l6dkplcFl6ZXlZY1lBUmVrdXZDM0NJbVRWYzdJUGdBTm5pNnR4Q1NuZE9XZUFNQzM?oc=5) · CUInsight
- 2026-06-26 [Cal Coast Credit Union Names Nathan Phan SVP of Finance and Accounting - PR.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTFAxeVpzeEl6amZrVm9pTmF0LTNHbUVfUXJZVUx6TV9xTHBDU2tzUkw4RUZZVzAtZTRuTm1XODlaVDhtMTh5c0ZQaVN1eXhUTDNX?oc=5) · PR.com
- 2026-05-11 [LA Financial Federal Credit Union $725K Data Breach Settlement - Claim Depot](https://news.google.com/rss/articles/CBMib0FVX3lxTE5Ia294NzFwQW9jTXRlczlrQkRvUGpyR09yT2ZhSXVYaC1DR1ZBeC1IcDFkM2tBOUU0UDJHLVJwcUJ1V2xwZzVTZ1dmSVg0Y25TVWJ6MVRuYXgwY0tNM0V0OXE1OFd5YzVVS3d6emNwNA?oc=5) · Claim Depot
- 2026-02-02 [SDCCU is among the top 5-star credit unions in California - CUInsight](https://news.google.com/rss/articles/CBMinwFBVV95cUxPQTBFdU5yOXpkc2pmYTc5bWV0VFdPcEc0cFhrNkp2eHdjZi1PNUF3ZjVqYjktaVM4N053cTlOM2cyQkFkZEtaTnNaZ211aW01dThrV2JVWEw3RlNyTURzQ2pHNUh5anRORnkyelp6bFBBdEt5aUZET0djWXN0OGtDRXpuQktPR2F3M291S3lzNGxNQXdVNTBaZTVmaVlQLWs?oc=5) · CUInsight
- 2026-03-09 [Robert Chaffino Obituary - Upland, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPRTAtRzZnckFpRExSS1JjLVYtcTNYdnhXTzJtXzhoc2NCbnRhWTV2eFliVmQySXdQYXFsRjREeUZSMEdQQnVlR3NRNmJ0bGpqbGNsblVXZ1poZmpOWWl1Ty1Gb0RneTR2cHVMazBtRVpWcUhSUWZDNDBFNWVqazdjOTZmRQ?oc=5) · Dignity Memorial
- 2025-04-08 [Want a CD paying 6% or more? Try 3 Southern California credit unions - ocregister.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQbXFoN0w2UlVTMWpaazNlOVppWnFyTFRqUFEycjVQZ0FpZ3VKVHpfaExSR2ppLWszUWpRSlRIX3JmNnRJeTRuRl9rZlVTSXBkWG50Wjh0SmJpN01fUWdSdGJTNklleDJISXd6eF85MDRMSS1fQlJZY2RSQnlxY1JqbWxENTZFVkZMV2wzMF9GdUJUc2FsUlRYYVotNUU4Vmxld3R1M0xSa3Y?oc=5) · ocregister.com
- 2026-02-21 [Donna Lee Thomas Obituary (2026) - Menifee, CA - Evans-Brown Mortuary - Sun City/Menifee - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxONnN6cncxTk0tNm1lcmtLX2RpaHl1cjFON2tIbkpoMFUwYl9Bcjg5UF9xN3hMQzA1b3B3WGE5azdzU0tPUnp1VEc0SUZscnNib2pCT0M1SURfOHNsRXZhUVMzUVNvOW9nc2ZJXzZ3VmNRYlVGT04yZklsU2R1bmk5bw?oc=5) · Legacy obituary
- 2023-09-28 [CREDIT UNION OF SOUTHERN CALIFORNIA NAMED 'BEST CREDIT UNION IN ORANGE COUNTY' - PR Newswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxNalh0eS1xQzlQUC1wZ3VpbVRKVS05VUV6aTR1VnlzY3FVdlRYYThRcjFQZTBROElxa3hUazRoeG5GZHVmMjczbkd0R1FjSjR3cEtKT1htcGMwY0FERElIbVUzVXRxZkV0cVpfckRjbE1GZmk5eEpjTGJXUjhLNTh4OEVsYzdueC10eWV6THd4Q0pxcDFPUGRpTXIyOElfRWZUTjg4dnpadTFCcVJET1Bud2szYzR1cU84Z0dneDQ4SHpXRmw4QVBWZHQzN3g?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68456 (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/40.json (key "68456", 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=68456
- 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