* This disposition is not appropriate for publication and is not precedent except as provided by 9th Cir. R. 36-3. ** The Honorable David Alan Ezra, United States District Judge for the District of Hawaii, sitting by designation. NOT FOR PUBLICATION UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT
SADIE MARIE FORD, Petitioner,

v. NATIONAL CREDIT UNION ADMINISTRATION, Respondent. No. 10-71441 NUCA-1 MEMORANDUM *

On Petition for Review of National Credit Union Administration Order Argued and Submitted June 16, 2011 San Francisco, California Before: BYBEE and MURGUIA, Circuit Judges, and EZRA, District Judge. ** Petitioner Sadie Marie Ford (“Ford”), as estate representative of Clydel Perry (“Perry”), appeals the National Credit Union Administration Board’s (“NCUA Board”) denial of her claim. Fo rd argues on appeal that the NCUA Board 

# FILED
AUG 26 2011 MOLLY C. DWYER, CLERK

U.S. COURT OF APPEALS2 erred in determining that Joyce Je ter (“Jeter”) was entitled to withdraw $177,662.12 from Cal State 9 Credit Union (“Cal State 9”), a federally insured, state-chartered credit union located in Conc ord, California. We have jurisdiction under 12 U.S.C. § 1787(b)(7)(A), and we affirm. The NCUA Board’s determinations are reviewed under the Administrative Procedure Act, 5 U.S.C. §§ 701–706, and are upheld unless found to be “arbitrary, capricious, an abuse of discretion, or otherwise not in accordance with law,” 5 U.S.C. § 706(2)(A). This standard of revi ew is “highly deferential, presuming the agency action to be valid and affirming the agency action if a reasonable basis exists for its decision.” Nw. Ecosystem Alliance v. U.S. Fish & Wildlife Serv. , 475 F.3d 1136, 1140 (9th Cir. 2007) (citation a nd internal quotation marks omitted); see also Cal. Wilderness Coal. v. U.S. Dep’t of Energy , 631 F.3d 1072, 1084 (9th Cir. 2011) (stating that courts are not empowered to substitute their judgment for that of the agency). The NCUA Board’s determination is amply supported by applicable law. California law provides that “[a] bank ‘is authorized to honor withdrawals from an account on the signatures authorized by th e signature card, which serves as a contract between the depositor and the bank for the handling of the account.’” LaMonte v. Sanwa Bank Cal. , 52 Cal. Rptr. 2d 861, 868 (Ct. App. 1996) (quoting3 Blackmon v. Hale , 83 Cal. Rptr. 194, 198 (1970)); see also Lee v. Yang , 3 Cal. Rptr. 3d 819, 825 (Ct. App. 2003); Beizer v. Fin. Sav. & Loan Ass’n , 218 Cal. Rptr. 143, 145–47 (Ct. App. 1985) (concluding thatbecause the signature card of the account in question stated that any of the three joint owners could make withdrawals, the bank was not liable to one joint owner for paying the entire proceeds of the account to another joint owner). Here, the Membership Agreement reflect s that Perry is the primary owner of the Cal State 9 account and that Jeter and Ford are joint owners, and it expressly permits any owner to withdraw “any amount” from the account. Although Jeter purported to withdraw the funds as Perry’s guardian, irrespective of whether the guardianship papers were va lid, Jeter as joint owner, was entitled to the funds in the Cal State 9 account. Cal State 9 th erefore had an independent reason for issuing the check to Jeter. Moreover, the NCUA Board’s conclusion that Jeter was still a joint owner when she withdrew the funds is s upported by substantial evidence. The Membership Agreement required an adde ndum to change the account owners. No such addendum was in the record, and none of the other materials included in the record demonstrate that Jeter was no longer a joint owner of the Cal State 9 account when she made the withdrawal.4 Accordingly, we conclude that the NCUA Board did not act arbitrarily or capriciously when it denied Ford’s claim for $177,662.12. This determination resolves all of Ford’s claims and rende rs Ford’s remaining arguments—that her claim should have been treated as an insurance claim, that Jeter breached a fiduciary duty or lacked power of attorney , and that Jeter was not Perry’s guardian at the time of withdrawal—irrelevant. The NCUA Board’s order denying Ford’s claims is AFFIRMED.