# FISCAL
GLENDALE, CA · NCUA charter 97080 · asset band $100-200M · latest filing 2016-09 · stopped filing after 2016-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/fiscal-97080

Who the members are: state charter, organized 1935. 14,482 members of 50,000 potential (29.0% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *too clean*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $142.5M |
| Members | 14,482 (– YoY) |
| Full-time staff | 33 |
| Net worth | $12.6M |
| Net worth ratio | 8.8% (p24 of band) |
| ROA (annualized) | -0.08% (p6 of band) |
| Total delinquency | 0.17% (p10 of band) |
| Net charge-offs (annualized) | 0.39% (p58 of band) |
| Loans / shares | 41% (p7 of band) |
| Cash / assets | 14.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.49% (p19 of band) |
| Operating expense / assets | 3.26% (p34 of band) |
| Vehicles % of loans | 31% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 10% |
| Third-party paper % of net worth | 13% (p46 of band) |
| Vehicle delinquency | 0.42% (p40 of band) |
| Vehicle NCO | 1.40% (p90 of band) |
| Repossessed % of vehicle book | 0.00% (p29 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 14% |
| Average share balance | $7,946 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $10,195 |
| Loans granted, annualized | $10.9M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |

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

- 2026-06-24 [Strong income performance drives Q2 FY26 results for Servus Credit Union - GlobeNewswire](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNeHlaV2dBbWk5azRxRjdfdzVsVjJTTlVyalU4SEFMY1lMem5PaWxyVmdySnA0Y3F3clhfWXRrLVMtdlhJTDA2a3RBTlFsYThzX1pnS1JkZE1VQnNydFBVZnpLbTlvRlRfalczMFRjUFpuQUh5U0ZaajBEOG5VREFBVWxvdkRpM083LTFJNmZPRXNEdjZOSUgwQThxbl9IaFlCTldkMTRNS19sSEdEN29EU2JXTlJMRTNNT2hIWjdzS3U1WHBUcXdNOXByYzFTbXNoaldTR3ZqbTZXRnc3?oc=5) · GlobeNewswire
- 2026-02-27 [BART pushes fiscal cliff to 2028 - East Bay Insiders Newsletter](https://news.google.com/rss/articles/CBMie0FVX3lxTE0tamFOTzQyX1dnMnI0dFI4bWZSQzh4el9BRGoydndvWGR2YVFFcXF3VGUyblJZaUZlLUpHYUxJYXZqbFl5OTZpY3lOaGI3MTd6c09HNDNjckp5elpZUDNrQVlELUk1OXJvc1BXZE5VMEZMNnFyckhoNTFQbw?oc=5) · East Bay Insiders Newsletter
- 2026-07-03 [Grand jury alleges fiscal mismanagement, violations of state law in Banning. What role did National City’s new manager play? - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMi_gFBVV95cUxNVmZ3cnZldUFoQzZ6SHc0bjctTmx3LXgxeEkzb09STWM0eElWaDNYTVZNaVVSZFJRMURIMndmbVhmM00tQ2xIcFFlbllweTZJMVdKaENNeDROWnZidm9RZExuRElUOWFRRDhEdzBhbm0zTWtkRHV2cVM0NjFmbXNfRjEwYWlpbmNiemJ5ZGxfNkVqcU9FampsTzNPRHk1cXljY0tpQk9oLURBMEFSUE1NeHpacVYwR1lOcDhmMjRTdWdXa2syNDNxOHFfZHo2eTdLWURGbFJkamxPZnNjRE9pbHRyZ1Z2clBIQzMzYUk3eWlMeDhtVGoxSWxFN0oxQQ?oc=5) · San Diego Union-Tribune
- 2025-11-13 [Mark Carney's federal budget could turn up pressure on Canada's credit rating, Fitch warns - Yahoo! Finance Canada](https://news.google.com/rss/articles/CBMihwFBVV95cUxNWDZYRTFJSzl2WmljRmRKa0NranVZMDhQdTRjTFE0dk1VOHI5bnRsZW9lc2t2am1VdGVaYzhTMUNfa2dTQnE5R0VOaUs3bW1ib1kya2tnSmZPS0J1TzRXYktqNXloYUNsQ2FaLWVsODQ4ZEJ3RTR4RnB0Z240UmFmWnBpZTFyWFE?oc=5) · Yahoo! Finance Canada
- 2025-02-04 [The Fiscal Impact of Credit Unions Purchasing Bank Assets - commonsenseinstituteus.org](https://news.google.com/rss/articles/CBMixAFBVV95cUxPbzZ6aHBNZklIRUJXUXN5ZHlmNnlWUkNrZjlQaGJOOTVrVjg5XzBUV3pvcWlxTzFGb3F5bW81YWt6MHp4aGp0ZkVxZms2QVo3T180bW5BdE9kclByQkRYTFJ2ZlluU0pxdHZMbkc5clQ2VE5IcnpVV2FaN041dnlyWk9mbm9iUTZ2dFh2MU9IVGhhMGhnVVVjTlNWMUV2ejdjSkxoNG1KWHVobUhFZm9XN0p3dWt4czFNU3dFZE0xcGdGVEho?oc=5) · commonsenseinstituteus.org
- 2024-11-09 [Monthly Bulletin – July 2024 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMiekFVX3lxTE80SmNpOWhBTWN1bmc0Q055V1FmLTFSSWZIU21TYlo2VWx6Q2V4ZVJXVzFTcmVPY0M2MUJldnNhZ1ZrcWYzWjRCSmJaLTFyajhhYUlKYVhXLS1NWUZWYlpUQ0cwZFNBTk5IOVZqbFI3ZEUxY245aWhReXdn?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2026-03-18 [Steinbach Credit Union announces $15 million cash member bonus for second year in a row - mysteinbach.ca](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPNkhveVU3VVR1ZEFMY3NLU3lVektKQW1lOERhN3BTMGpiZVhBNnVoMF9qSVpBVlA3YUw3bFNEX09ONGprOGRvblQtcUdlV3d4YVJycjFSczk2MmRFMURmUFppQTdlZkFITm9tSmlSeHNRRWh1c2VFcGJlQWFJSHgyUVJqd0NRbTBIZEhZRWVodzZJY1lyMko3bFAwSkJoVFlONWY4a1VkR3pySjVSRnBvMmJwdXR2dlc4SVR1cEFwekFVZ0k?oc=5) · mysteinbach.ca
- 2023-12-01 [San Diego County credit union executives see big pay raises while customers pay millions in overdraft fees - KPBS](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPUXp3d2c3UzR0OVplZlo2c1l4N1JpclMweTEzUFpJZ2hYMFNjamF3NUxXOUtETHktYUZOcjBTbzNKR0hLNFVpTE9CZ0JKeUdrQmx4OUM4bEI1QmtoajZqZGpPMk0tbTQwNVdpOUVsWWJ3NHktSk53U2lwZVNCd210aG1NTnhmX3dXRmNpcEUzVUdhcmNYdnJNRUhKV0J2SHJXV3g2TU4zNjRkQ0Z4ZEhLQmpzNG1xSXR6Q0U2eWFQRFZTb202R3I4b25SZjFuaDZQV0dvUUV6NTJPNThNaVo4YlcxWW4wdw?oc=5) · KPBS

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97080 (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/56.json (key "97080", 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=97080
- 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