# FAMILIES AND SCHOOLS TOGETHER
Hanford, CA · NCUA charter 9109 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/families-and-schools-together-9109

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated. 18,798 members of 152,982 potential (12.3% of the field); checking penetration 86% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *fortress*. 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 | $328.1M |
| Members | 18,798 (2.5% YoY) |
| Full-time staff | 42 |
| Net worth | $64.2M |
| Net worth ratio | 19.6% (p98 of band) |
| ROA (annualized) | 2.48% (p99 of band) |
| Total delinquency | 0.21% (p12 of band) |
| Net charge-offs (annualized) | 0.40% (p50 of band) |
| Loans / shares | 93% (p92 of band) |
| Cash / assets | 15.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.50% (p93 of band) |
| Operating expense / assets | 3.10% (p26 of band) |
| Vehicles % of loans | 22% (p25 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 12% |
| Third-party paper % of net worth | 10% (p28 of band) |
| Vehicle delinquency | 0.46% (p42 of band) |
| Vehicle NCO | 1.01% (p70 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 180% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 12% |
| Average share balance | $6,997 |
| Participations bought / yr | $14.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $116.4M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $24,345 |
| Loans granted, annualized | $46.2M |

## Participation posture (from the same filings)

Bought $14.8M and sold $0 in the latest annualized quarter; $116.4M outstanding purchased (181.4% of net worth), $13.1M sold and retained. Sold in 4 and bought in 8 of the last 8 quarters. Shares 5.2% year over year.

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | loans>95% of shares |  |
| 2020-03 | 0 |  | loans>95% of shares |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | delinquency rising |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | delinquency rising |
| 2022-09 | 2 | delinquency rising, 3rd-party paper>100% NW |  |
| 2022-12 | 1 |  | 3rd-party paper>100% NW |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 2 | loans>95% of shares |  |
| 2026-03 | 0 |  | delinquency rising, loans>95% of shares |

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

- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbG82S28tWDRWcmVTSGtHM1A2ZDRvTjlrTUJGLUxudnBZSlZwNG5uSk12eFQ1M09ULTYtTFVaU3FJeFlEam53MHZqSDV5ZDRTUk9zRUJEVHBBbzVpRUxnV2s0VXFkc0lzZUxXS1A0YWZHaVMyNXE3Wm5RdG1qX2dBclE0cE5TaDZibmpuVkpiM3diUQ?oc=5) · Newsweek Rankings
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2025-04-08 [Best Banks and Credit Unions in California 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxONWFxRkExWV9IblE1OXl5eFotT1dhMHZRdHpzc1dWU1JvUGI2dF9YNXMtcmZGdE5JUkU3eTh4aWgxT2lIWDlTcUpfdGpSUUY2c251amFFX2VrVUstYVVZbzhwdndHS3JONjM5WlF2MDNNMXVvQ3Q4dlJJN19jMmFEMy1Rc1VtMm5ua0o5UnQ4RUJFZw?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9109 (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/21.json (key "9109", 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=9109
- 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