# CERTIFIED
El Monte, CA · NCUA charter 9230 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/certified-9230

Who the members are: federal charter, multiple common bond, organized 1954. 58,317 members of 500,000 potential (11.7% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 76.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $920.0M |
| Members | 58,317 (-10.4% YoY) |
| Full-time staff | 124 |
| Net worth | $188.8M |
| Net worth ratio | 20.5% (p99 of band) |
| ROA (annualized) | 1.25% (p84 of band) |
| Total delinquency | 0.42% (p32 of band) |
| Net charge-offs (annualized) | 1.02% (p88 of band) |
| Loans / shares | 79% (p44 of band) |
| Cash / assets | 22.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.89% (p80 of band) |
| Operating expense / assets | 3.36% (p37 of band) |
| Vehicles % of loans | 24% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 30% |
| Third-party paper % of net worth | 22% (p26 of band) |
| Vehicle delinquency | 0.72% (p62 of band) |
| Vehicle NCO | 1.22% (p66 of band) |
| Repossessed % of vehicle book | 0.22% (p82 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 30% |
| Average share balance | $5,972 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $8.5M |
| Loans outstanding per 100 members | 76% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $12,908 |
| Loans granted, annualized | $129.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $8.5M outstanding purchased (4.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.8% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## 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 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 1 | delinquency rising | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 | charge-offs p90 | margin squeeze |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | charge-offs p90 |
| 2022-12 | 2 | charge-offs p90 |  |
| 2023-03 | 0 |  | delinquency rising, charge-offs p90 |
| 2023-06 | 2 | charge-offs p90, members leaving |  |
| 2023-09 | 1 |  | charge-offs p90 |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | members leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 2 | repo signal, members leaving |  |
| 2025-12 | 1 |  | repo signal |
| 2026-03 | 1 |  |  |

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

- 2026-09-02 [The County Federal Credit Union employees graduate from intensive leadership training program - thecounty.me](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQTkJ4Y0xCUmk2RGpTZ3lHeHlrRndBaEhFXzVBc2JNQTZTc2ktWC1vTHl2SnMwdzN6d1V3NXNKSUhPYmltMWxFSG5oM3BhQmNOMm9CTzR1RWI2NXdwbHRZOFZWcWhWMkEwYXRSbEVDVGQxcENJOF9wLXZHVnlCaEVEZEdrMGtqT3BaTldJUWJsejFwNUNDSjFkdm00SFBzY3RrbGltNFB4eVJFTXdBV0k3cldrM2xQT3NSRmZRVkN6Q1FIQ3pfSFl2NllBNDV6X09pcGF6dUVB?oc=5) · thecounty.me
- 2026-06-11 [Antonia Luna named Chief Operating Officer at Cal Coast Credit Union - East County Magazine](https://news.google.com/rss/articles/CBMiogFBVV95cUxQYnpBa2U3SDlqenBERkdzNkZWM0xyaEExb0J6YTlDVDF0UWFRT0VPdzhuNklCTWlCbWlZNlNYd1hNMVRxeXN4WVdBWHlkdlJKcnZVdTZjN0xWeElBM3VJa3pJQnpSci1iWEtLVkI1TFFkbU5IblktWVN6MHF4TUI5TzlyVFNGalhFYTliOHRhN1NnTC1nZEtRcG9TZzY0OVhCdFE?oc=5) · East County Magazine
- 2026-03-17 [CDFI Assets Fell For The First Time In Years. Here’s What That Really Means. - Next City](https://news.google.com/rss/articles/CBMipAFBVV95cUxPelJxQVkxYzVnNDFick11ZmhyQVFJUjl6Sjd3bFYzRFF1ZjE2bU9JOVRyRDFGcDVHZ2dudDhmVnpVQ1J0Nmtnc0VDNm5sUXB6eUFtdnRvSG1rQ0hmZjJpUHZWU3BlamdqNHo5WUNYbW5mX194TUZmeW9BcXhQR1lmbGFIMTlNYm5wdGkzdWdjRjA2OHd6dmVhZjlMcWRxa1RnMmxmNA?oc=5) · Next City
- 2026-06-08 [Cal Coast Credit Union Names Antonia Luna COO - cutoday.info](https://news.google.com/rss/articles/CBMilwFBVV95cUxNVHhrXzZpaWIyc2lPSDVMd2RhMnZ5SjAxSjM4NjRDNWxXQkpTazltQ1ZQeXVFbGdOWEgxbzM2b2NTTXJxQlBNQ2NIZ1QwdTFtZXpobjY1aVdYd3ljWWxjTEdKNG5uSVR6QjZmaHh6aHRzZE9fWUppNHBhY2xISG1BSzN0bEgtU1lNdEswd3N6RThVM3lmbGFj?oc=5) · cutoday.info
- 2026-02-18 [As Household Debt Reaches Record Levels, Credit Unions Join Forces to Tackle Predatory Lending - PR Newswire Canada](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNWjRrODJvY0QyUDliaWxiZmVaZ09hTnZnMjl0NnExbDVXdkltSEVwQTN6RDZBeHpCaFR0Yk0yZ0F1bVBGakVzOERRNkNHank1VTBaYkRJXzNwY2RqVHRTRmpCbHljb2Y1RlFiY3o4VFVpamxuUExFNHpTMmE2VHhBN0k1MWdFNGxNM3hYaEFuMU40a3dPMnZWMElKSTJER2tqeVUxdGdBSGZMMGpVYU9jbGM1VktaNW9PNTR4SmluaDRNOGV1RjR0Rlg3MjBrclBfaTNycEdLWnFhQzVFTVFJ?oc=5) · PR Newswire Canada
- 2025-12-01 [First U.S. Community Credit Union Welcomes Victor Mendoza as Chief Information Officer - Business Wire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPQWpiMjY4UW12VnBVRnp3dkE4NmVzaXZiLWRKal84RFZCdHUzYnNnclp3VmpkcVkybzdsemstLWYzbDZ3b0prXy1YZWxiTDBtU1VEUzNaS2pNeHFwbkJ5RUgzY0xzNmFfUlFJQnpacXM0RGFVa1lMNC14NjA4aERWTTctVVllV2lfMHRnZ19aNDZUUTY1RXJpRFl0eHNGV245TGhEWkE0Q0VXVUhuRXpfbjh5WDJjekkzWmpUZGM4TExVWEk5SnYyVnBrLUd2a3B1ZDQwZ0QyZHRYWU0?oc=5) · Business Wire
- 2018-09-10 [The 10 states with the most CDFI-certified credit unions - American Banker](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPenZOaVJUX0x3Tjlwai1IU2duMnNUM0lreXVYVnZ4MHJFeG9ZNjVReEZ6WDdRN1Z6VWRjNzM0bXlvWVNnbzJTUVBTYXMyOTJacXpxdnBQd2FDNG14UWptcFZFc3Y3anJNWExOLUNYRlNsWl9DQ29xSWd3WEpVeHNyOWJseDFzWVlkdGhqdEJ0TER3aG1SQWN6Z25hb2hIRTVkYzFLZWxJdkw?oc=5) · American Banker
- 2025-01-22 [Discovery Credit Union Highlights Certified Counselors Helping Members Achieve Financial Success - Berks Community Television](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOTW1udXY4VE80emVaQkxIMXBnNG14UE1ZQkpidmN4MExZYWRwa1l5bnBUTlNpWUtOWHYzVmdBV1VXQXhNUG5sTV9BMnBFMmw5TllQMkxCVTJ6LWZJWnIya3oxaG1JWUt6UW1SN2xNUDlxbjVpalFwMVZMdXdMUTNVMEMtbHd2SUNDRFlUbzk1bmNaR0dHSHl3RGZManFrUzB6WU5RZGVXcTBjd2hiN19lTjBVUDREc2NReGxwN1V6MHVuYXNXQ3FQbkVWTHpsNzNIb1Y1cXl0YkR0aEhBZ2tfTw?oc=5) · Berks Community Television

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9230 (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/14.json (key "9230", 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=9230
- 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