# CHRISTIAN COMMUNITY
San Dimas, CA · NCUA charter 97068 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/christian-community-97068

Who the members are: state charter, organized 1957. 52,858 members of 1,500,000 potential (3.5% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *fortress*. 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 | $1.44B |
| Members | 52,858 (59.1% YoY) |
| Full-time staff | 184 |
| Net worth | $180.6M |
| Net worth ratio | 12.5% (p76 of band) |
| ROA (annualized) | 1.46% (p92 of band) |
| Total delinquency | 0.62% (p50 of band) |
| Net charge-offs (annualized) | 0.47% (p46 of band) |
| Loans / shares | 83% (p39 of band) |
| Cash / assets | 14.2% |
| Borrowings / assets | 0.69% |
| Net interest margin | 3.65% (p72 of band) |
| Operating expense / assets | 3.26% (p53 of band) |
| Vehicles % of loans | 10% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 61% |
| Third-party paper % of net worth | 68% (p30 of band) |
| Vehicle delinquency | 1.77% (p94 of band) |
| Vehicle NCO | 3.11% (p96 of band) |
| Repossessed % of vehicle book | 0.10% (p58 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 304% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 25% |
| Average share balance | $18,125 |
| Participations bought / yr | $0 |
| Participations sold / yr | $2.3M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $54,055 |
| Loans granted, annualized | $115.2M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## 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 | members leaving |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | members leaving |
| 2017-12 | 1 | loans>95% of shares |  |
| 2018-03 | 0 |  | loans>95% of shares |
| 2018-06 | 2 | delinquency rising, loans>95% of shares |  |
| 2018-09 | 3 | delinquency 2x band |  |
| 2018-12 | 2 |  | delinquency 2x band |
| 2019-03 | 0 |  | delinquency rising, loans>95% of shares |
| 2019-06 | 1 | loans>95% of shares |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | loans>95% of shares |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 3 | delinquency rising |  |
| 2020-12 | 4 | members leaving |  |
| 2021-03 | 3 |  | delinquency rising |
| 2021-06 | 3 | delinquency rising | margin squeeze |
| 2021-09 | 2 |  | delinquency rising |
| 2021-12 | 1 |  | members leaving |
| 2022-03 | 0 |  | net worth falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | loans>95% of shares |  |
| 2023-12 | 3 | assets shrinking |  |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 2 | delinquency rising | assets shrinking |
| 2024-09 | 2 | assets shrinking | delinquency rising |
| 2024-12 | 2 | delinquency rising | assets shrinking |
| 2025-03 | 2 | net worth falling | loans>95% of shares |
| 2025-06 | 2 | repo signal | delinquency rising |
| 2025-09 | 1 | delinquency rising | net worth falling, repo signal |
| 2025-12 | 2 | losing money, margin squeeze | delinquency rising |
| 2026-03 | 1 | delinquency rising | losing money, margin squeeze |

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

- 2025-12-01 [Two Christian Credit Unions Unite in Strategic Merger to Form the Largest Faith-Based Banking Institution in the U.S. - PRWeb](https://news.google.com/rss/articles/CBMi8wFBVV95cUxNSWQtOW5Yc2hYVmI0UlB1MENnUnJvMjdvTERja0hiaG5ia1hOYi1rSDJZT1hVRUhLLXBMU2FyNm9FcTAzdmU3SEpnZ3pVN3dPM0NleWRvMVhHS0FBbkpqekV0SFJxb3V0QzlBUzhPQlhmNV9wYjNNdlRnbWZ4SFl4STVVbWtzdVZ3QVVOR0MtbkRfVk9MSXNJZ1FEOERJTTRaSWFRbFgwQ2pMLTBJUklnby1DNDVja2pzZ3ptcXpDSGI5VjFoNVY0N1VPZzdsTjBlcVJjZWNhc0dKdzd0WUhWZEdqYkE5TWIxdGEzcEFPcE1QOTQ?oc=5) · PRWeb
- 2025-07-03 [AdelFi Credit Union partners Alkami for digital banking platform - FinTech Futures](https://news.google.com/rss/articles/CBMisAFBVV95cUxQeXdxbkRRbTBzSGlNX29qQm9WWmE3NXJpVkwzb09QLTlVUWxsWEpsNWNyejBnNFdLYVl5R1o2RHVFbzlTOTdIY1RTMzR3TDdhc0RMLV9pOW9CM0FPSjlpTEVjMThmMUkxMGFYSHMwRVE3anU3eGtJWVh5VVZhNGktTEZLQTd5QnpPNUNYMl9ObExRUndUYmlRUnB6N1l0VzZiUnRTdEFMUmg1VVlUOUlTWg?oc=5) · FinTech Futures
- 2020-11-23 [CarterBaldwin Recruits Chief Marketing Officer for Christian Community Credit Union - Hunt Scanlon Media](https://news.google.com/rss/articles/CBMirAFBVV95cUxORzNLdXRTZ3VfVVg4ZjNXZHp5QTZKX3pjdTFuWEROLU9TRVowMkMza0ZiYkdCUDJ2ZmZYdUw1bWY5TG9tckY3SmxxNVNwQnBCQktnNndQc3ViZFpIcXI0OXZrT3g4em04V2xnRmZzZ0N0QURreVptMEZ6SXJkd1g4Vkl6N3JoVHJxemtpSlJwWkJGc29DMTB3MzNwVkM1c1liYlFkeS14b2Q0RDRo?oc=5) · Hunt Scanlon Media
- 2022-02-18 [Evangelical Christian Credit Union rebrands to AdelFi - religionnews.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOV1hrREdhNHFmbmRfZkZmTlB3NHNpRy1ocWwxZ2pld3lZVTJybHNSTGJFZzdlcW9rUTB1VXNSNkFjNjVEQlRWR2g5dnhEZl9LN2JfSVZHUDVydEZHRHZMMHZyejRLbHNpQ1dqSkUxYW9HNlBDTl9PNHlBd3FTOG04OFRCcGVXQ0VDQTNaMDJUZVl1Nk9C?oc=5) · religionnews.com
- 2020-06-09 [Larry Montgomery - Calvary Chapel Magazine](https://news.google.com/rss/articles/CBMia0FVX3lxTFBoUjh1NU0zOXBmMERvOUdZUDdMdGZxMk5WeEdQYkI0YmJONUNVV0FNT2FBaHZFOEtyd3pJRnhfNVQtZnVUWXU0X1U1WmRzTTZHWHo5T1B3N3lEaXlKTU9YVVpoenZrcHdNUUY0?oc=5) · Calvary Chapel Magazine
- 2023-10-16 [Should Christians take their money out of banks that don't share their values? - Christian Post](https://news.google.com/rss/articles/CBMipAFBVV95cUxNVUw3TG9OZkZSUWJOQTU0VkZRenJUekYzS2JCekNKQWZzTEczVzhsYWVsaTJwYzZOTUhvNTNYazRtYXZ4LUdCcElDcV9JNjk0cVBKZ3JHdlp3WE9lM1RWWWtZN095eTBmaEhFWWlhdFcwSWVpR0lKaFB4S0RJcWNieGFuWklYb1pIMzlORkRLYzBWbE5MMXNyeWFJMHFMQ09QUW1kMA?oc=5) · Christian Post
- 2025-12-08 [OC-Based Credit Unions Grow Assets by 8.6% - Orange County Business Journal](https://news.google.com/rss/articles/CBMie0FVX3lxTE0xWng4czZRaUtTZ1cxVXhkOTNGc3doSUltTnlhdnlXZS1uTE1LeElaWUlSMGU3OVdrNXgyUHRrYXYtX0loTkZDQkIyZXdhOXd6QU1WZjBYRF9DSU5OeUpvamRiYll4Y1dNN2hKRkpaY0VaODhMU1loNllZQQ?oc=5) · Orange County Business Journal
- 2008-04-30 [Credit union to support ABC workers, Thai villages - Baptist News Global](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTW83YkxBQU9zdlgtQW00bmUwRlZTSlB6WVpqRVJpdERXWlRvMWhuWTViZ3FGU01hTVh4N2M5ZGRtZ2JLTDYxcWpJZ1YyZ1RJYlg4bXFpSVdFREVkNkcyeklSYXZaTlliV3pldGVGRVlBcjhyZjVLT1RjNHJ5ZEpvbw?oc=5) · Baptist News Global

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97068 (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/44.json (key "97068", 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=97068
- 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