# CREDICARD NATIONAL BANK
TUCSON, AZ · FDIC certificate 34551 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $68,000 | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $68,000 | |
| Loans / deposits | 0.00% (p1 of band) | 71.39% |
| Liquid assets / assets | 33.82% (p52 of band) | |
| Uninsured deposits / deposits | – | 8.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 88.31% (p99 of band) | 9.99% |
| Unrealized securities loss / equity | 0.00% (p9 of band) | 3.72% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | -45.54% (p0 of band) | 0.72% |
| Net interest margin | 26.06% (p100 of band) | 3.86% |
| Efficiency ratio | 202.16% (p99 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.48% |
| Net charge-offs (annualized) | 23.09% (p100 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 1 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, losing money, expense ratio p90, charge-offs p90 |  |
| 2011-06 | 3 |  | leverage <7% |
| 2011-09 | 3 |  |  |

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

- 2012-03-12 [OCC Enforcement Actions - occ.gov](https://news.google.com/rss/articles/CBMifkFVX3lxTFBNUXFRQ3VLLVUxY3A4ZWJpLU5mOVgxR1pCY3NIREtuMnI5d1A3NnRIVGZ6dmtWNVVYNmMyOGYtZDBGZnhBd29rNGMxaVV2WmNRZlFTX25ldjZIbWljVnZ1VzJzdXY1bVI4SDNESDdYZEpxdjZDcWpsMkp2SWhQUQ?oc=5) · occ.gov

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34551 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "34551", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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