# CAHP
SACRAMENTO, CA · NCUA charter 95071 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cahp-95071

Who the members are: state charter, organized 1969. 22,695 members of 200,000 potential (11.3% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 78.

**Verdict on the desk:** this could be *ordinary*. 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 | $404.0M |
| Members | 22,695 (1.9% YoY) |
| Full-time staff | 36 |
| Net worth | $35.4M |
| Net worth ratio | 8.8% (p11 of band) |
| ROA (annualized) | 0.69% (p50 of band) |
| Total delinquency | 0.07% (p3 of band) |
| Net charge-offs (annualized) | 0.21% (p30 of band) |
| Loans / shares | 77% (p55 of band) |
| Cash / assets | 24.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.66% (p57 of band) |
| Operating expense / assets | 3.72% (p50 of band) |
| Vehicles % of loans | 57% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.01% (p3 of band) |
| Vehicle NCO | 0.10% (p13 of band) |
| Repossessed % of vehicle book | 0.03% (p57 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 12% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 49% |
| Average share balance | $8,792 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 78% |
| Loans granted per 100 members, annualized | 81% |
| Average loan balance | $15,908 |
| Loans granted, annualized | $113.6M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 3 | loans>95% of shares |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | thin capital |
| 2017-03 | 3 | thin capital, margin squeeze | loans>95% of shares |
| 2017-06 | 3 | delinquency rising | auto monoline |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | margin squeeze |
| 2018-06 | 2 | auto monoline | delinquency rising |
| 2018-09 | 1 |  | thin capital |
| 2018-12 | 2 | assets shrinking |  |
| 2019-03 | 3 | losing money, expense trap | assets shrinking |
| 2019-06 | 1 |  | losing money, expense trap |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | thin capital, net worth falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | expense trap |  |
| 2021-06 | 4 | loans>95% of shares | net worth falling |
| 2021-09 | 5 | delinquency rising |  |
| 2021-12 | 4 |  | delinquency rising |
| 2022-03 | 3 |  | expense trap |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | delinquency rising |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 5 | net worth falling |  |
| 2023-06 | 2 |  | auto monoline, delinquency rising, net worth falling |
| 2023-09 | 2 | delinquency rising | loans>95% of shares |
| 2023-12 | 3 | loans>95% of shares |  |
| 2024-03 | 2 |  | loans>95% of shares |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | thin capital |
| 2025-03 | 1 | thin capital |  |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-09-08 [CHP to honor fallen Hayward officer with memorial service - Lake County News,California](https://news.google.com/rss/articles/CBMipwFBVV95cUxQU2hObWZlRy1HQ05IMEF3d0tfYzZ0MVZfdHU5aU9icjlCc0p6aVRtSmF2TEdOLUg0OVpKTnRDNDd2cGJBcm4tcFlkdElPbjN3ZU1lVTJXQUV6Q2szTFBJTHAzT1RmNEl0SWhSWlJpX0VSS0ZFdDNTU2t3SzhaVEFCaWdvS1ZFaWtJQVpYZG1rLWxoYTUtcURpWE5EX3FDVEFzVEpKdl9WZw?oc=5) · Lake County News,California
- 2022-12-10 [Town & Country Credit Union selects Brad Houle as President/CEO - CUInsight](https://news.google.com/rss/articles/CBMipAFBVV95cUxQOEZtQUxOX19jTzZiRTlaRTk0R2RVclMzOUxOUnRxc2xJVEI3Y0ctMkZacWE0RTlwNFFJck51TkJqWGhsWENVdjhDdUx4a0diRzN6aXJQSXFPaTNTX0tTZzk1SENjR0VDQ3BLSU42T0pOb2J5b2ZhRDFGdjJsMGNHNDl1YmZvOUhiMjZNRzZwR0pRUFhyX1FEY2VXUHNYOEYtSG9FVQ?oc=5) · CUInsight
- 2020-12-04 [Procession honors CHP officer who died in on-duty traffic collision - ABC7 Los Angeles](https://news.google.com/rss/articles/CBMikAFBVV95cUxNVG03WllMSzNvY2pEd3FTekpGRVRzM0ZnV0dRbUlTelhjNk05cEgwa3JSTGRmbzc1TkZwRnBKYS0wMGpQNEV6NHhmLTBRQ2pUdFNiOTZHaDlEOWlsTmRjanV2X1ZNWVhORi1XUHU0QnlQb2NoM1VxVzdTdEJyd2hkM3FJYVBmVG52MG01TmhBRVfSAZYBQVVfeXFMT1ZydDk3bHBCaXhJTjE3OWhMLXNvZXJfT2hmZWVFYkRUdlBsSzduR2ZJOG5BQ1J3Qzk5M1ZISWZVUkdhU3F6QnpXRWlael9FeC1vRDZjb1lsR2xmRkhuTXVhUi1DajRqNkhoQlJFOW1ITDZtN2ozNkx1TXZqX3p1VFJCQktCRWVLam5OZmJxdm9ubWw5MjNn?oc=5) · ABC7 Los Angeles
- 2017-02-24 [Memorial fund established for fallen CHP officer - ABC10](https://news.google.com/rss/articles/CBMipgFBVV95cUxPVXpodEdxd1piRkZFeDEzZ0VTWG1HN1BwbFlaTlFMbzRGWFlqd2hWWHJnQWs5RTJoejlzcW5JNTFWM0p4N3FXOF9OTGFTUWJid0JnNmI3SGpJcV9FVVpvd1U3WlpxV0x3RGxwZWdxYWxURG1yVENVRlBTYkdMWGVPcWV4RUhmN2Y4ZnAxb2xldG5iT0ZJSWRBUmhLVldwTGtmb180UVhR?oc=5) · ABC10
- 2018-08-16 [Family, Colleagues Say Final Goodbye to Fallen CHP Officer Kirk ‘Hollywood' Griess - NBC Bay Area](https://news.google.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?oc=5) · NBC Bay Area
- 2019-08-13 [CHP officer and suspect killed, 2 officers wounded in Riverside gun battle - ABC7 Bay Area](https://news.google.com/rss/articles/CBMirAFBVV95cUxPWVlGNFdIZU9XOUFlbVh0MVdGS0NqNm5Ud3k1NTRJYzgwc3JCbXVZbG5jZjIwZ2s3cDd0LTAzTlZMTkRkWXVQbExubzltdXdzY2Z0Z0t2VXc4MjJOT1BJLTA2Uk93bzJ2aHg1QWU1T28yekN4ZjU4eFZGN1ktMXp2RTZfUmtyVE5jYVotcGtqRmlUVUhyQVpzUTN1M0h5aHg5bXpZTUtaWlU5NlJG0gGyAUFVX3lxTE5wVFdET19CUG9IVnUzeEJVT3owQU13d2Qta0o1WE1tdGVsTXg2a2o0dEljSF9lamp4SjBTZmxLRWp6ZWZpZmYxOEYyTjhSZVNHTEdDYmhWVkhNQ25fODM2Qm9UQ0pyYkpLekdEMEc3RGRUeFkzVFhJS1c2Y2tNZjhHQzBaMWEzb2t2UWJNOGVJS0o2Sjd1WDd6SmhKSUgxLVR4TGozSG1hSll3c05mY1doWlE?oc=5) · ABC7 Bay Area
- 2019-04-10 [IE Man Charged With DUI Murder Of CHP Motorcycle Sergeant Pleads Not Guilty - KVCR News](https://news.google.com/rss/articles/CBMixgFBVV95cUxOR2dDZjJBeEg1YWxxRXdMeDdpNHpwWWExVm9McHhPSHVjVEFNVnZqTENmMllUaTNhbDBjVW5lUFNZSTZLb0JZOTZDdE1uNGdCb1F5SHdOT29sYm9zVS1CellqOU1CdXNPNV9uek1DMjRYd1JxeGRtVjNTbWp1RFM4ZGloNXFkUGUtN3pEcW04N3poN0ZCcTFTcU5JbkQ4MV9YYXBzM0R1ZjhfT2ZCcHI5ZnlKVEtMa083VDFWSk1ZZmgtVUlQaHc?oc=5) · KVCR News
- 2018-09-22 [Memorial service for slain deputy Mark Stasyuk set for Saturday in Roseville - Sacramento Bee](https://news.google.com/rss/articles/CBMibkFVX3lxTE1DVkppOUlZUWVCM1FUWVlSeGNaYjJRb25xOVktczE2cVlXVXJZckpXRUJ5eDRFNUNZZnFTQnkxUnNEeVYwZGd0NWhoT18tOS1UeGk2MnlSYnZhYm1acVZ1YUtQbHE2Skx5WkxINVVR0gFuQVVfeXFMTTNUblUyZ3FfNGpTZGpMb2tIS0ozZkp4VDhQWXEtd1hYajI5ODdqUW9kSmVFcjhyTjloQURBNHBCNkZweEU3eFQ0R3E1dmlOcWhlYVlSeDVIWkdtbFFYZXJ4a0hFU3poM0RYdVFpMlE?oc=5) · Sacramento Bee

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=95071 (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/31.json (key "95071", 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=95071
- 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