# RIZE
EL MONTE, CA · NCUA charter 7835 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rize-7835

Who the members are: federal charter, multiple common bond, organized 1952, low-income designated. 83,435 members of 125,153 potential (66.7% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *participation buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.31B |
| Members | 83,435 (13.1% YoY) |
| Full-time staff | 181 |
| Net worth | $135.1M |
| Net worth ratio | 10.3% (p40 of band) |
| ROA (annualized) | -0.33% (p1 of band) |
| Total delinquency | 0.94% (p77 of band) |
| Net charge-offs (annualized) | 1.07% (p87 of band) |
| Loans / shares | 94% (p75 of band) |
| Cash / assets | 8.8% |
| Borrowings / assets | 10.96% |
| Net interest margin | 3.49% (p61 of band) |
| Operating expense / assets | 3.87% (p82 of band) |
| Vehicles % of loans | 29% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 181% (p63 of band) |
| Vehicle delinquency | 1.26% (p86 of band) |
| Vehicle NCO | 1.36% (p69 of band) |
| Repossessed % of vehicle book | 0.04% (p37 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 190% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 26% |
| Average share balance | $6,502 |
| Participations bought / yr | $54.8M |
| Participations sold / yr | $70.7M |
| Participations outstanding | $107.6M |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $20,333 |
| Loans granted, annualized | $315.3M |

## Participation posture (from the same filings)

Bought $54.8M and sold $70.7M in the latest annualized quarter; $107.6M outstanding purchased (79.6% of net worth), $2.9M sold and retained. Sold in 3 and bought in 6 of the last 8 quarters. Shares 2.9% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **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 | 1 | 3rd-party paper>100% NW |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | leaning on borrowings |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | loans>95% of shares |  |
| 2018-12 | 2 |  | loans>95% of shares |
| 2019-03 | 2 | delinquency rising | leaning on borrowings |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 5 | net worth falling, margin squeeze, charge-offs p90 |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 4 | thin capital | 3rd-party paper>100% NW, losing money |
| 2021-03 | 4 |  |  |
| 2021-06 | 2 |  | net worth falling, charge-offs p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | 3rd-party paper>100% NW |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 3 | leaning on borrowings | delinquency rising |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | net worth falling, delinquency rising |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 4 |  | delinquency rising |
| 2024-12 | 3 | delinquency rising | thin capital, net worth falling |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 4 | net worth falling, loans>95% of shares |  |
| 2026-03 | 3 | losing money | net worth falling, loans>95% of shares |

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

- 2026-01-21 [Rize Credit Union Partners with Upstart to Expand Access to Personal Loans in California - Business Wire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPRzh1SEZaRkZtNWhJa1NNUV92dHZWc3pnU2RhcTcxYVRWSjZ3ZG96anozVDhEZ3R3VUlSV1dSOUtmMW5ma0NBNEVFZjRSbGZwMVRxay1PVDlDaGNVQVR4SzNBZGxFVlBrUTRqMUVNbjVVQlR5UEtXUGwyVE91MjNFNEF1NkhyajVmdmZHZGdkZE41QVZFdzd6ZjI1UE1BR2p1T3BGX05kTm8zTW5LbFlTOGxxM2E4LVk3eVgtS1hCemY5UFBLNFRhSkdERERjTThCZDZYWDM4MzlDbUZ6bVE?oc=5) · Business Wire
- 2026-01-29 [Upstart And Rize Credit Union Tie AI Lending To Volatile Stock Story - Yahoo Finance](https://news.google.com/rss/articles/CBMigAFBVV95cUxNQlIzdERCbkRFejRBOFJaeW1sczVXU01CZTNCWVgydlBJdWY3QkZGaVBaTTVTX1loLTF6V2hKN0x1dXNhRENTeWdqQ1lFMi0tOFoxbG9wanBxWi1BXzFtQVpJUnYzNUIyYTVkYlJOTk9NNkJ4SlR4R2lHTy0yR0pERQ?oc=5) · Yahoo Finance
- 2026-01-21 [Rize Credit Union Provides Over $500,000 in Wildfire Relief to Southern California Families - Santa Monica Daily Press](https://news.google.com/rss/articles/CBMisgFBVV95cUxPTFlmSG9TMk9HaVVUVW5OT0hRTkIzVWxCejR5SXlCVHJxQmdIT00td19VOHdjZDlwbnloaW1tcFBLLXdDQ2Qwc2VxRkxpYjhTZlVuWGtlRnhmQk1uNEl0WGs5MmRyRDdadGJiZXBQRVBNcHVDdDF6UkFkNUVPRFIyRnZKMjQ1TWdLLTZHRDRrZ2dfelFWZmRlZFdWS0dsV0FwMUd0bFFVLWxJcFA3Q1Q1d09R?oc=5) · Santa Monica Daily Press
- 2025-10-06 [Bolt Academy joins RIZE Federal Credit Union for an Interactive Financial Literacy Event - Chargers](https://news.google.com/rss/articles/CBMivAFBVV95cUxQNjFPeWlhRkRtSGdZd0tXS21idnA5Ukxyc2VIRG1oR1NhNjMtUzk0c3ozNWFLZHhqOEhkUUtBcUExeFROZDgwcFpzQjM2NXBMb0Y4bkI3RXlBWlIwNHBwa0dOakhZc1J3OFdUS0JlRXRnb1NGUFFOb2x5UFdIODdta1VzRy1MeFQtMVViT2o4cEFnZlZlMnZLQzVkY1lRcUN0ZWZUcWFJOWhRQWFmRDM5ZWFhVFVzb0l0VUlDOQ?oc=5) · Chargers
- 2026-07-14 [How Rize Credit Union built a serverless data lake on AWS to become its own source of truth - Amazon Web Services (AWS)](https://news.google.com/rss/articles/CBMizwFBVV95cUxOZ1gtZjhSS1JvVGpjUDNEd25HVWd4NTBBMmtmVzBhTnJIOVk1S0M3NDNrOTVWRDFSa1dLdDVDSjBGUWQzWDh3dDV2bUloZjFxbUlrd09yXy1ERW5ET0FyZ3daSXdlVUFrOTlkZ1cyaGdmWENUV3IzNkRuZ1ltZy1qZ2NORXlRLUZ1dm5FVGFuc0p0aExIOUNlSlBUdklOMkxyZ0ViMzVRX0ZDSGQ1S2wyRVJya2R2VXpYWmRYWVB2MElNMXh3SkhrYVJmbkFzUTQ?oc=5) · Amazon Web Services (AWS)
- 2025-12-17 [Rize Credit Union invites community to ribbon cutting celebration at new Henderson location - CUInsight](https://news.google.com/rss/articles/CBMizAFBVV95cUxNUk92NnBNRGpDVGdSN3dVWTlrQ3dPWmZZc0loTXRkSGtmTkdobE1fb3o3SHBWc3BiaVJxR1hRN0ZHNHNpbkI2OHFIZ0lsS2ptNlFDR2FjcjhUMFV0dGxTT2JveG9LVTV5SndvYV83QjRuVnNFV1hzN2d5S09mMjRNaFloSDZtUTR6WjNxbzBCakt1TzNyRmdhTWEwT1I1WFhoUFJqYXQ5RncwZHB3azBmQnNmbTBZU2xTSWU1dFd6SVJZQUlIb0dicmpSbl8?oc=5) · CUInsight
- 2024-06-17 [SCE Credit Union Introduces New Name, Brand - cutoday.info](https://news.google.com/rss/articles/CBMihgFBVV95cUxOelU1TXEySnZzUHZUSTZNM3c5MFM5RlBNNUwyQk1SWXNLN0pJd2dyTXNWTmNFNC12bmV1TS1aNkphZzN0a09PMWJHdEwySnRzY1hKQWNqRXZKWXhhSWl1NF8yMENQM3V2cDZBeU5PTTJ2WVlJUzlrck9iX2NNNG9Da0ZkRmJZZw?oc=5) · cutoday.info
- 2025-03-25 [Rize Credit Union team members join Operation Gratitude to support Los Angeles wildfire first responders - CUInsight](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQRVNZVGlVZXJwQnFCWVplMnhWbWhLZ2YxWTNLSmNpcTc0MWVaZF8tNHRqakpBRl9lZkNJZ0NmblZhdVk0VVFPal9kOVMwLW82QVIyZWtLY282MVVsWW5pV3A4SGtEdUFnWXlOck5iNVdfampqaVV6cWZZR2ZTVWJpYzRYSVlPRWJCdy1kaXhYVzRqUHgyMVZGcW5DbHB6emZNZ1JTNW5HM2U2LVV2aGsxNlV2NndvRWR6Q1FBTVJFSkxpSzRuWmtVTmFfQWlnQkJZMmRzSVYtaUktUDF5RlE?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7835 (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/27.json (key "7835", 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=7835
- 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