# FINANCIAL PARTNERS
DOWNEY, CA · NCUA charter 68457 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/financial-partners-68457

Who the members are: state charter, organized 1937, low-income designated. 93,670 members of 12,700,000 potential (0.7% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 45.

**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 | $2.25B |
| Members | 93,670 (0.1% YoY) |
| Full-time staff | 284 |
| Net worth | $202.9M |
| Net worth ratio | 9.0% (p14 of band) |
| ROA (annualized) | 0.75% (p54 of band) |
| Total delinquency | 0.82% (p70 of band) |
| Net charge-offs (annualized) | 0.54% (p54 of band) |
| Loans / shares | 92% (p69 of band) |
| Cash / assets | 5.6% |
| Borrowings / assets | 11.97% |
| Net interest margin | 2.66% (p14 of band) |
| Operating expense / assets | 3.23% (p51 of band) |
| Vehicles % of loans | 10% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 11% |
| Third-party paper % of net worth | 10% (p14 of band) |
| Vehicle delinquency | 0.94% (p75 of band) |
| Vehicle NCO | 3.00% (p95 of band) |
| Repossessed % of vehicle book | 0.15% (p72 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 174% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 39% |
| Average share balance | $12,411 |
| Participations bought / yr | $0 |
| Participations sold / yr | $51.9M |
| Participations outstanding | $4.3M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $38,731 |
| Loans granted, annualized | $453.7M |

## Participation posture (from the same filings)

Bought $0 and sold $51.9M in the latest annualized quarter; $4.3M outstanding purchased (2.1% of net worth), $66.4M sold and retained. Sold in 8 and bought in 0 of the last 8 quarters. Shares -5.4% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, members leaving |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 | net worth falling | members leaving |
| 2017-12 | 3 |  |  |
| 2018-03 | 0 |  | leaning on borrowings, delinquency rising, net worth falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | leaning on borrowings |  |
| 2018-12 | 2 | loans>95% of shares |  |
| 2019-03 | 0 |  | leaning on borrowings, loans>95% of shares |
| 2019-06 | 2 | net worth falling, leaning on borrowings |  |
| 2019-09 | 4 | thin capital, loans>95% of shares |  |
| 2019-12 | 5 | 3rd-party paper>100% NW |  |
| 2020-03 | 3 |  | leaning on borrowings, loans>95% of shares |
| 2020-06 | 3 | leaning on borrowings | 3rd-party paper>100% NW |
| 2020-09 | 3 | margin squeeze | leaning on borrowings |
| 2020-12 | 2 |  | margin squeeze |
| 2021-03 | 3 | loan book shrinking |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | loan book shrinking |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | leaning on borrowings |  |
| 2022-06 | 2 | loans>95% of shares | thin capital |
| 2022-09 | 4 | thin capital, delinquency rising |  |
| 2022-12 | 5 | net worth falling |  |
| 2023-03 | 4 |  | net worth falling |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 4 | net worth falling | delinquency rising |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 2 | delinquency rising | leaning on borrowings, loans>95% of shares |
| 2024-12 | 3 | net worth falling, leaning on borrowings | delinquency rising |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | loans>95% of shares | net worth falling |
| 2025-09 | 1 |  | thin capital, loans>95% of shares |
| 2025-12 | 3 | thin capital, delinquency rising |  |
| 2026-03 | 2 |  | thin capital |

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

- 2026-08-24 [This CD pays 6.0% APY. Here's what you need to know - CNBC](https://news.google.com/rss/articles/CBMiX0FVX3lxTFB0RE83NEg3U1ROVmZYSndFRHJnN09Obmd0Z3dsQko5ZV9LX3FrQUJObzNwQTFZWENfSlczb1JLV3V3aF9LZUt1S0pXQmFNaEJBdktFQUwyOXFZUjQzU09r0gFkQVVfeXFMUDdMWVJ5d2FBMGJjbmVfaTNVVHE2Z05udEFJcjdMVEc3MEVIRmtnMThYbU1Dczdnbm1kWFZoS2RfajdDRTY4VV9wM1BBbHpoazFRNGc2dk5Ed3ZSX184bzR1bXFSUw?oc=5) · CNBC
- 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
- 2022-06-30 [Financial Partners makes Forbes' list of best in-state credit unions - The Downey Patriot](https://news.google.com/rss/articles/CBMirgFBVV95cUxQaXFzV2FYalBKYV83UHktdkt2NzlDRF9iQjM3STY4QkpnbWx2SkJldXdiYlZlRzdvRXpWR1BGT2VzcFYxRVVhaTJ4NDhaREtjMU1XcmJVQm5sRWRkYWtMUDVabWNRMkFESjVLY1dTS1hzY3ltR2I5WlRsZHhJLTZPbHluaUh5YjlodER5SzV5ZEZPYVBnNWpHUW1FcUxkZi14RXoxczRvTHl0ZUtzd3c?oc=5) · The Downey Patriot
- 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
- 2025-04-28 [6% CD rates: Where to find them - businessinsider.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOSkxqOVpZdkRWQ2pSMWlmdTFnVXg0ZkR1bjRTa1FHTFQ2dXBRY25MeW8zUzRyRmdXZ1kyUjNxYlFWZWRGaGtpTVFtNUVRYzlVbERXMlZwQlJBS3JjWnoxTm5QVkdEeE1aZ2lWanZfR0thTWpQUk9jQjdXYkQ4RnotX2RyS2JLekdvV2h3Q2FNWTNzVGJ2TElR?oc=5) · businessinsider.com
- 2020-01-16 [Financial Partners Credit Union Acquires Costa Mesa Office Park for $13M - Connect CRE](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPZE92cmhldzQ2VDFwNGVJZHdtX1hqV0M4Wm1kMGttYmtmd3EzTGowSjI4N2Z4RkxFcG5ZdkJyVmRRZk41aDkwZUxlRF82Wk16N0d2eDFBeWhlRFotZkN1REU5MVNpRlpCcks2MTNnQ1lodDFlZDZqNVR3NDJ1WV9RbnRIMlZQRjRhZzI4ZExiRzdQOFpmYlE4ZU5WaUZJVDhqQTI4RW5PVzRNdkE?oc=5) · Connect CRE
- 2017-01-19 [Financial Partners Credit Union First California Credit Union to Offer CURateReset Products - PRWeb](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPb1VXRGlCcER6dmY2R0pqN0FsTW5pV1NUc3JkMzV5WHJrZDJpX2t4alhRUEdYajFIMmlIVEh6TkFTZkVqRFNiV1FpSG9lV1BTdnplX2hHUUlGSXlrRnFzV255My1RR1A4cFRaRWI0aEpZaTROaTZqcjg1MllOSS1ZbDZYaElGTlc5SzR5NkxEdjRpV3pMLTdEOW5yV3JCVlJvVmVRU25HMEJOcWpfWS1CWHpNeWdQandZSC1NSGVTMWM4REI3VXZZWHJyeENtRUxKS19hZE5qTQ?oc=5) · PRWeb
- 2019-03-11 [Financial Partners Credit Union unveils new logo - The Downey Patriot](https://news.google.com/rss/articles/CBMilAFBVV95cUxOTi1iMlM4NlZDNVpOZ0hsZkl0bDV4d25rR2h0Q1h4VU1vVWk1YkFicGZOSlplNjhOWmRrU1pqR0FEN0UtSlVkMlk1R25QUU54TzFobFhidndXOWpheXRNNUJoSDFLcmd1UFVzMHJVUkhUS3NleEFJT1k5bFUyeHlSSXFOR3VSanRVd3JfOUIwa2FtVUhY?oc=5) · The Downey Patriot

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68457 (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/41.json (key "68457", 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=68457
- 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