# VENTURA COUNTY
Ventura, CA · NCUA charter 68458 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ventura-county-68458

Who the members are: state charter, organized 1950, low-income designated. 78,925 members of 1,272,916 potential (6.2% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.47B |
| Members | 78,925 (2.3% YoY) |
| Full-time staff | 180 |
| Net worth | $147.6M |
| Net worth ratio | 10.1% (p35 of band) |
| ROA (annualized) | 1.27% (p86 of band) |
| Total delinquency | 0.99% (p79 of band) |
| Net charge-offs (annualized) | 0.40% (p34 of band) |
| Loans / shares | 78% (p28 of band) |
| Cash / assets | 7.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.81% (p82 of band) |
| Operating expense / assets | 3.10% (p43 of band) |
| Vehicles % of loans | 16% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p6 of band) |
| Vehicle delinquency | 0.28% (p17 of band) |
| Vehicle NCO | 0.51% (p18 of band) |
| Repossessed % of vehicle book | 0.08% (p54 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 186% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 32% |
| Average share balance | $9,381 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $17.7M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $30,471 |
| Loans granted, annualized | $196.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $17.7M outstanding purchased (12.0% of net worth), $38.2M sold and retained. Sold in 2 and bought in 0 of the last 8 quarters. Shares 0.5% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | net worth falling |  |
| 2017-03 | 5 | losing money |  |
| 2017-06 | 2 |  | 3rd-party paper>100% NW, net worth falling, losing money |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | members leaving |  |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 2 | charge-offs p90 | members leaving |
| 2018-09 | 0 |  | thin capital, charge-offs p90 |
| 2018-12 | 1 | charge-offs p90 |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | thin capital, net worth falling, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 6 | delinquency 2x band, delinquency rising, members leaving |  |
| 2021-06 | 4 |  | net worth falling, delinquency rising |
| 2021-09 | 3 |  | delinquency 2x band |
| 2021-12 | 2 | net worth falling | margin squeeze, members leaving |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-09 | 2 |  | delinquency 2x band |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | thin capital |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2024-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 1 | delinquency 2x band |  |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2025-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2026-03 | 0 |  | delinquency 2x band, delinquency rising |

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

- 2026-02-06 [Ventura County Credit Union announces $500,000 gift to support Food Share's capital campaign for centralized warehouse - CUInsight](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPcGo2b3VJQjJLNVpyMS1YZ3F3VVJWWnlnLUluZDJOY25mYTVQU3BYUzR0MkhvMVl3Y2ZCeWlWOW1aVG1hSDgtcVBoNlZhZFZqczZ4S0l4eUdsU2Y5ZTN0RERwNFlJUTlDeWVqVU5NSFA0d0haWEZOd1c1T0wycEJIei1OS05iS1lSR0NVQ2Roa3VYbldDX0N3MjdOaEdrUlVKdDZ0OTU4VmtVb0FPNGdBdjRPaVRtd2JobHZCb3JxZm5tV0UxN1d6UmFOZmFBemFlOTlIMXBFTGxGZWdVQi11SDJqY3pObm5ZNXFQNQ?oc=5) · CUInsight
- 2026-09-03 [Fremont Man Charged In $20K 'Microsoft' Scam Against Elderly SoCal Man: Prosecutors - Patch](https://news.google.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?oc=5) · Patch
- 2026-03-18 [Women of the Year hosted by Senator Monique Limón - Vida Newspaper](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9QcXI3dlpxY29hSDdUUzlkdl95aWRuMGJQZEpQWjV0bEk5dVJLTGRsUVc4MWEtRV9HSm1BRzRjaS1EdHdrREQ0NjhmWkg1bEI0b2hwNVBNUGU2UnhKaDFuaGtXZ0NkZw?oc=5) · Vida Newspaper
- 2026-03-22 [Senate leader Monique Limón honors 11 Women of the Year from California’s District 21 - edhat](https://news.google.com/rss/articles/CBMisgFBVV95cUxNNFRqanBwemZWZDlTQUZEZFFXRGFtRDhKWEF1ZzJJMklrYVA3b19ia0hhenRNcEtHUUdvYUUyZi1JNFhTWE1iUVNzM2ZaMnk1dHRMUGZKUG5kcXB4ODJIMkw3bDViMTk3QmM2ZkJfaEtsZ0ZsMHpqQVhrblpJQkRDRWw2bGpCbV9PaXUxUWpXRE03QWNIalE1bm41cUNjVjlMX2R1eU9iaXFIRFdtVG80OWVB?oc=5) · edhat
- 2026-05-12 [Police interrupt Southern California elder scam operation; 2 plead guilty - KTLA](https://news.google.com/rss/articles/CBMiiwFBVV95cUxONWEtYkI5RlJoU0VEamUzU1pXWXQ5SjEyQUdHYXVlWm8yRjN4Xy1MNXBwNUJfUHFmbkVndHh4R3h6T1VQeFdBSDAzVlhLU1ZxNjN4VHpJZXRNaFMzZjRweXVlNFhzX2tKU251Umk3cHd3Q2lpSHpzMzhOZlZnNlNXTEZHa1BmdGVjanFj0gGQAUFVX3lxTFBKYXc1bnczY0Z5b0JjRmhhYXhsVDhtY01lZWJVSDVYck91N1ZMczJucFhNaW9Ia2FQb01BU1E3cC1hTlUxaUF2R2huLUI2YXRfYWxMaThybGlfREFhWVg1eU10VGtNeTl6Nnhfd3FkQ0pkUGRIY20wY2toREo1YjZoQkU0QWh5U25TaFhMdGdOWg?oc=5) · KTLA
- 2026-05-13 [Scam of elderly man goes so well, con artists strike again. But their timing is horrible - Los Angeles Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxPdlU0dmhzUzQzSDJwam54OEFEWjloeFR1cTR5RkxRRFRMLVZrMTdEOFBldlU5V2w0RVZmV3QwZWZ6dmpLODVBZWdCMmdlaUl5ZTRyQ2JSaU9TMENSWXVJejRYQ2FBY29ibjlLQmZqeHQ5Szg5YkxFSll1Q09MU21udTZ5WjFfbzEtdU9ISVQzclpXOTdnb0lSQlFjbzU?oc=5) · Los Angeles Times
- 2026-05-13 [SoCal lowlifes fleece vulnerable senior out of $25K - New York Post](https://news.google.com/rss/articles/CBMingFBVV95cUxPLUpZODlmd3luNVphYWI5bEpkOWtKclA4c2E3SnhTYWd1cUQtaGdwOGFIdHg4ZVpobTFLVU5MMDVGMmh0RlBsT1hVeWVWLWdNNWF1UDBpMUpIb1A3bWsybkZBRGVKcG5lYk1BOUllSmdZZXJ2ZmhibFlianNOTk1UTUg4TnBVVTc4ZE5oVUx4Z2dHM1ctOHF6SUc2ZUtPZw?oc=5) · New York Post
- 2026-04-02 [Pair arrested in financial fraud scam of elderly man in Ventura - Ventura County Star](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOTk85TnRsZ3AzRGJaQTRyVUE5bDZhcWhwZU5EM1BnX3didHBXeXZkdzg4UGJSUkpaN1Q4cHhQd0hIVlNLdDJjQ1M3ZGVaZHRDdU1CZEtWM19zUmpLZmx5eFB2MkpxaXRWMW5vblV1QkFpeXZPZlVoVVdyUTNhbVdyell1bnctYVFWM0Q2WHFTekhfbGFvX0lZeHZ0T1NNSDUwUXVtdE1YbGR1YTlsUzBsT08tRVhjNk1ib0kwNDhrQlc?oc=5) · Ventura County Star

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68458 (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/42.json (key "68458", 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=68458
- 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