# FIRST U.S. COMMUNITY
Sacramento, CA · NCUA charter 68474 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-u-s-community-68474

Who the members are: state charter, organized 1936. 27,555 members of 2,500,000 potential (1.1% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $554.2M |
| Members | 27,555 (-2.6% YoY) |
| Full-time staff | 76 |
| Net worth | $64.7M |
| Net worth ratio | 11.7% (p69 of band) |
| ROA (annualized) | -0.27% (p3 of band) |
| Total delinquency | 0.71% (p62 of band) |
| Net charge-offs (annualized) | 0.82% (p80 of band) |
| Loans / shares | 72% (p25 of band) |
| Cash / assets | 9.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.05% (p24 of band) |
| Operating expense / assets | 3.01% (p22 of band) |
| Vehicles % of loans | 27% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 88% |
| Third-party paper % of net worth | 163% (p66 of band) |
| Vehicle delinquency | 1.17% (p83 of band) |
| Vehicle NCO | 1.69% (p78 of band) |
| Repossessed % of vehicle book | 0.07% (p58 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 38% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 29% |
| Average share balance | $8,490 |
| Participations bought / yr | $34.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $16.7M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $25,102 |
| Loans granted, annualized | $79.0M |

## Participation posture (from the same filings)

Bought $34.6M and sold $0 in the latest annualized quarter; $16.7M outstanding purchased (25.9% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares -0.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **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 | 1 | members leaving |  |
| 2017-09 | 0 |  | members leaving |
| 2017-12 | 1 | 3rd-party paper>100% NW |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | net worth falling | margin squeeze |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 4 | net worth falling, losing money |  |

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

- 2026-09-07 [Sierra Central, First U.S. Community credit unions announce intent to merge - Gold Mountain California News Media](https://news.google.com/rss/articles/CBMitwFBVV95cUxNQjc2S3hmYV9ybnBJVF9SZjlycXhGYlR1T3VaWEkyVnQ1b0xlbVlTQ3dTY2VFaXhZX1J5ZXFQZXpBQUY5WDFERVhCWXdVdmItWUdZNFl1NXItTGZvN2lHamdMQVlmckFOWTB2NHA4bGlkNFNTbU8zZGxzZ3NsTkx5M01ncGo5eEROZTJzU2VaaUZucmwwTS1TXzBqSzM4MzdTTkZTdFZNNjJ3S3JSZHNTc0VUbVhjV1E?oc=5) · Gold Mountain California News Media
- 2026-09-08 [Two Sacramento-area credit unions plan to merge with $2 billion in assets - Yahoo Finance](https://news.google.com/rss/articles/CBMinwFBVV95cUxQcU5fY0plN3U2b014WTh3S05ROUdtejJDbjh2VXY0QTZJM1pxMnhjb0xTZ0pBZFVHXzBiQlNlUlc3U1NBeW9ZcUc3TUswV0k2VU5mTUwtTDMxUV9oTU5vV1Y5WjR5Ym9SRXZiV1V6V2hxZWdOZXZuN1pfTldVYUNvVWVHTzZiaWMwSWgyQjAxVDluY3hoRDEybVFLNjZwNjQ?oc=5) · Yahoo Finance
- 2026-08-07 [First U.S. Community Credit Union closing Gold River branch, shifts to Rancho Cordova - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNNDBSbkEtQkUyVkUwbWJVcEtKMlIxci13Mlc3QnBPVlhQcmdmVGEwU3A4dUxWb3Y5eFZIRGpPa09LVEZDd2tuRGpyYzhFaXo5Z2J0WUN1V3Vad2dpNnBKVlFWSzFSQlIyQkNoTVdzUXdLSXVXeDZCUThFYTlYX29EdC1QM1k0aDJ4RmFHZ2xzV1Q5ZnVBakxPUnBkal9xempIRS1zSEVHRFdpQQ?oc=5) · The Business Journals
- 2025-09-08 [First U.S. Community Credit Union selects Suzanne Wages as Vice President of Real Estate Lending & Servicing - CUInsight](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNLWdmZTA2WmRqRE5rLWNiY0MxeDY3bzRsWU9KSnh4dFctbXpaMmxqQlUxc3RBck5VSHZYOF9kQmZrcGsyVDlWSWpwdzJHZ1ROeGNUZTVQZjV2T1Y4SmFyVEpxSi13VGRuRE83S1c1SGxPYnI0LWk0T0pscG5wVzdmV2YxakNkdjZmSmZDMWd3ci1GOThxd2pOZU5BQmdtNjVKYVgySHpseGRfZnF5UW8zY2ZhTUFnekNnVTkxNTR4ZGVvV2ZoTzRLS2FzdGdMVUpvZDRXVGh5dUE0cVduTnFJ?oc=5) · CUInsight
- 2025-04-25 [Same faces in new spaces: First US moves to new location in the Fowler Center - TheUnion.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPcEdPaV93X3l4eVJ0c2tJZTJlOU0zS1lBMXUtM1MydHcxRURiTmRoQy1ZcmwzTTltZkFzVVd3QVNPRGc4cWVNa3VydWpUWk1LWlJUeEhGdFhlV1liM3BYMkQzM05sT1cydXdOUUNFRjQ3R0NTU3gxNnBJZFpLaXNDZ0hocDA4QTNOYjd4R0Z3Y3JYLUM3MWRfeFYtNjBIODM0Y2V6TV93NGxNM1dFRGVUaWdHWElPeE12c1VlRWd5TmIzV2FGLXprLVNxWjlzVTRlcE1aemthWHpIeDZNWnZQTlgyVXFVQUNYMGJ6aw?oc=5) · TheUnion.com
- 2012-04-23 [Q&A with actress Greta Gerwig - Sactown Magazine](https://news.google.com/rss/articles/CBMiUkFVX3lxTE82U1B6YXBaLU9RMTN2YU80VE02SXJORnhUT0k3YjJkQVVoVHhlSFVXVGpQMU1aVGZEa01nS1NKLXE5bjY5NU5Db2FGX3M1dEhZTkE?oc=5) · Sactown Magazine
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2026-08-13 [BMO building new branch in Rancho Cordova's fast-growing Anatolia neighborhood - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNSkxXYlF4em9XLV9JQkx6ZGJHVUE1VHdZVDlkOVFGNEpYaWdVMWFVeUJ5VzhQUy1JOG5VUThaUmR6SXoyTEZIODROeVRRS09LdzZ6OFVzNkZZSjRfNG5CeEJHMGgwbW9rWnhyMXNJVEs4RW9jdk9kSE01WDJhM2Y0VmhQVG12QUJna1VKaG9BSGptaXdtakFrWDRZQkJCMThF?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68474 (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/58.json (key "68474", 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=68474
- 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