# DESERT COMMUNITIES
NEEDLES, CA · NCUA charter 9821 · asset band <$50M · latest filing 2019-03 · stopped filing after 2019-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/desert-communities-9821

Who the members are: federal charter, community charter, organized 1954, low-income designated. 3,190 members of 189,000 potential (1.7% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $30.6M |
| Members | 3,190 (13.0% YoY) |
| Full-time staff | 4 |
| Net worth | $1.6M |
| Net worth ratio | 5.2% (p1 of band) |
| ROA (annualized) | -0.86% (p7 of band) |
| Total delinquency | 1.29% (p67 of band) |
| Net charge-offs (annualized) | 0.46% (p72 of band) |
| Loans / shares | 63% (p54 of band) |
| Cash / assets | 5.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.03% (p75 of band) |
| Operating expense / assets | 5.68% (p90 of band) |
| Vehicles % of loans | 68% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.36% (p74 of band) |
| Vehicle NCO | 0.03% (p68 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 7% |
| Average share balance | $5,921 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $14,326 |
| Loans granted, annualized | $2.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, delinquency 2x band |  |
| 2016-06 | 6 | capital below 7%, repo signal |  |
| 2016-09 | 6 | net worth falling | repo signal |
| 2016-12 | 6 |  |  |
| 2017-03 | 6 |  |  |
| 2017-06 | 6 |  |  |
| 2017-09 | 5 |  | net worth falling |
| 2017-12 | 4 |  | delinquency 2x band |
| 2018-03 | 4 | auto monoline | losing money |
| 2018-06 | 5 | net worth falling |  |
| 2018-09 | 4 |  | net worth falling |
| 2018-12 | 4 |  |  |
| 2019-03 | 6 | losing money, delinquency rising |  |

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

- 2026-08-15 [California desert residents can get $300 water bill credit through expanded aid - The Cool Down](https://news.google.com/rss/articles/CBMimwFBVV95cUxNa012ei03YXZBREFCeTBidHlKbmtHcE82YmhSZGtKX3dpa095S2x1MVdZS0xLNnNrR0I4djhVdDJGVV9jazA0X0hJRkhVamlQT2VhT2NYTWJzb1JybVRrbDh4elhkbGVfMzI1dGxiNnlReHYwM25fU2ZPT3NicnhHaHZVTzdHZkItMGE1OWo5M2hIM3JsaTNQVkRITQ?oc=5) · The Cool Down
- 2024-02-16 [Olive Crest hosts annual Power of One luncheon, opens children and family resource center - The Desert Sun](https://news.google.com/rss/articles/CBMi_AFBVV95cUxObk41WXVybldHNXNnY0JlVzlDMy1BcGdoLTUyUUhPaXB0eE5sRFV6bXpuM1licXB3MFpJS29mUGJndE1YbUM4WWdSQV85VEVIVlI5T1pINjRDZzNfX0lIYTctTDg4TDgxSnpBeVl1cVRCOENEd080ZXVsSUFpSE5ySjdyQWstVWFNNktNMEVEMjE2NVZfRzJDSk14V0JFeXE3cGpuWXdOZ3B5UEZXRk9EV0stMHB0V2JwZzJZRVE3aXIxV3FjSXlZSF9XRTBBLWRMX2hXSEVGeUYtMFc2U1c5V0NmMEtfeWJkTDNzYkhCSXRHS1JtWWRocms3ekg?oc=5) · The Desert Sun
- 2023-07-14 [Morning Fog Over Dana Point: Photo Of The Day - Patch](https://news.google.com/rss/articles/CBMikwFBVV95cUxNenVlSGtDWmlvd3JyUVgyY0lDRzdqRFNjWnlaUmV4VWx2SGtvYzhDUUFULW9HLVRCQ0dYRU0xOUtMYXo5WGRTLXJhd3hnOGtsd2Z5RkdjYXN4Ri1KZ0RRNXRRcjExemhtY2RTOVlyeW9RVkhPUjFUc2VPaHQ0UEVicGVHWFJwS0hLMWRfQVRFVFE4UEU?oc=5) · Patch
- 2020-01-06 [Extended Stay, Element hotel by Marriott coming to JWA area - ocregister.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOVEFDdzh0RkpJalkxa2cxT090RGhPNEJIWlV6Unc4STQzZXFBUXU0aXZBdzFWWjFoZzdPVmdkUEdjLUJTM1hDMUlYb0pNWHM4RUN1ZHNNYTEtR0dQNlJJVXc4VkM4dk04Q0cxVHhFZUVWUDN1SjIyODJlUDJ3N1pDcUxsUXBEenBDQ0pkRURhU3h6SHlnQkZxS3p5RDBNZw?oc=5) · ocregister.com
- 2017-08-10 [Bank Robbery Reported At California Credit Union In Valencia - KHTS Radio](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNUk93STBoR1VGWUNDZ2E5R0dJQldiVlhWa01XTkUyR1Q5SHJMTWhsUHhKMzl2Y1pibVlEenNGNEhuWml3X05UdUpFRUh4d0NVVFdqMlU1Q0RRMFkydmdLLS1qNjZJaGphOHFrMzFsOXh6Ml9SU2lpYlpWUS1ldlhLTG9JUF81cDgwN1ZpTnpxRC1STHgwM2F0bVNkeWIxekdhUUVUV0gtX3pmaEtsWTJqeVBad1k0MW9HQkJSZ1VRWHJLSFE?oc=5) · KHTS Radio
- 2024-02-26 [Olive Crest Opens New Children And Family Resource Center And Hosts Its Annual “Power Of One” Luncheon - Palm Springs Tribune](https://news.google.com/rss/articles/CBMizwFBVV95cUxPVkpTMlA0VTl3UDZ5c1FDQ2x2UUp4TjhIVldSWGlJVFkwb09vcWxFM0ZCNEdtUFJoMUx0SldtaDhUdWhsdjVvM0lyVER3RTh1emFIUFVaMXVSZ1k4c0o0SUJCWVB2SlR2cUJSLVpORkFkVm5TVGVXOERVamk4Z0V5VTVjRHZhVUQtTDZqRG1PUE8yWkxKWjgxNlY0Rlc4ejRqT3BTNzNnQkloM2hSTm1LNWxJbm54Z3poQmlicEk4THFodGpPNTljZm16TmMyZVE?oc=5) · Palm Springs Tribune
- 2025-03-14 [Olive Crest hosts 'Power of One' luncheon, honors Champions of Hope - The Desert Sun](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPdVZzVUVWMDlkZGV1M2l3WWtic3VNeTZZQlU4YVplaVNKSlY5QUdmR3FYc0VFZ1hELXNWMXk3SXlnRHV6V21HWGpiQktzVnZUWEllbnNFX19WYW44cW85dTBlUTF4UkpaREV3UFZ1emp0SGE5YWF3SDVMUGdXaDdDeTloUlQ0blA3aFJJQWZZS0x5ZENUMzZDNVZTY3B5UVlUMXEyeld0SmVYTnNzM1dzT0pWem01cEtiRmJJZXNadE00ZzdabnJUc3Z0NXItRkNYcUpfUjQzNmhGLVRsTm9CWWZNaWUwRldhSDBXUEEyYUFjUUlCNTJz?oc=5) · The Desert Sun
- 2008-05-01 [Chamber president: Expo was 'wonderful' - Victorville Daily Press](https://news.google.com/rss/articles/CBMivAFBVV95cUxNS3BJXzByOUs2d3JaTUE1akRudGdSRFRfSUNlUGtFTjlNYnpDd2NicDRyRFNLNXFNd01GQmxaRDZkd2JVeXdoX05JN0UzYVRVMTh0TGNYVUdudmlGQnB6bEVVaWpxYlFHLUhlU21iRW56OTRJYzN1ci1LenFTazJua2tVclNrcDU3WFNSenl2M05Oc04zYlFLQUp0M3lPdjhTaWxfNE8zMzZUalFEM0hsb0QwZ0lONnBpYVRnbg?oc=5) · Victorville Daily Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9821 (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/29.json (key "9821", 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=9821
- 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