# COCONINO
Flagstaff, AZ · NCUA charter 10335 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/coconino-10335

Who the members are: federal charter, community charter, organized 1955, low-income designated. 9,639 members of 143,476 potential (6.7% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $126.5M |
| Members | 9,639 (-1.8% YoY) |
| Full-time staff | 25 |
| Net worth | $13.5M |
| Net worth ratio | 10.7% (p35 of band) |
| ROA (annualized) | 0.85% (p61 of band) |
| Total delinquency | 0.20% (p15 of band) |
| Net charge-offs (annualized) | 1.01% (p89 of band) |
| Loans / shares | 53% (p20 of band) |
| Cash / assets | 14.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.00% (p71 of band) |
| Operating expense / assets | 4.18% (p68 of band) |
| Vehicles % of loans | 57% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 58% |
| Third-party paper % of net worth | 172% (p82 of band) |
| Vehicle delinquency | 0.20% (p21 of band) |
| Vehicle NCO | 1.09% (p76 of band) |
| Repossessed % of vehicle book | 0.01% (p65 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 20% |
| Average share balance | $5,955 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $12,502 |
| Loans granted, annualized | $23.4M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 2 |  | thin capital, net worth falling |
| 2017-03 | 3 | thin capital |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 2 |  | thin capital |
| 2018-03 | 5 | thin capital, losing money, charge-offs p90 |  |
| 2018-06 | 4 | delinquency rising | losing money, charge-offs p90 |
| 2018-09 | 2 |  | thin capital, delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 2 |  | delinquency rising |
| 2020-06 | 5 | thin capital, net worth falling, loan book shrinking |  |
| 2020-09 | 5 | margin squeeze | net worth falling |
| 2020-12 | 5 |  |  |
| 2021-03 | 6 | net worth falling |  |
| 2021-06 | 5 | delinquency rising | loan book shrinking, net worth falling |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 | net worth falling | delinquency rising |
| 2022-03 | 6 | losing money, charge-offs p90 | margin squeeze |
| 2022-06 | 3 |  | net worth falling, losing money, charge-offs p90 |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | assets shrinking |  |
| 2023-12 | 4 | delinquency rising | thin capital |
| 2024-03 | 5 | losing money |  |
| 2024-06 | 4 |  | losing money |
| 2024-09 | 4 |  |  |
| 2024-12 | 2 |  | assets shrinking, delinquency rising |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 1 |  | auto monoline, charge-offs p90 |
| 2025-09 | 2 | charge-offs p90 |  |
| 2025-12 | 1 |  | charge-offs p90 |
| 2026-03 | 1 |  |  |

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

- 2024-02-01 [Financial Institution President Marks 40 Years at Credit Union - Flagstaff Business News](https://news.google.com/rss/articles/CBMiowFBVV95cUxNaFVZODhhZHcxTmQ1NUVTclZoQXJEVjRjRGt2TGpPa3E3ZWdEeWZ4U04tUzN3dlJLaVI5UGVZRVEzSzhhamMxUURmb2h1OTVlRVo5UTh5Q01nTHJ6NEdhOFJlYjhlbXFCaEszd3pjNHZHT2ZibXdiOTAxbFV2Uy14b3lzTUYzZGNaRGMyeS1BQXdhYVdNZGppSzh4VHp1R09RdTJV?oc=5) · Flagstaff Business News
- 2022-05-11 [Desert Financial to Open Flagstaff Branch - signalsaz.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNUU1RQVRZS1dIYnlxbmZ3OENLQk5uNG9pdEVLdzJvQ1lfLVJMMEo2YTZvLVM1eERMVUtGS3RVYUoyVTdTX1gxZkpGdGRDaXdSRTlmeUYtUXN0ZnBac24xWEFDSW1sWnprZmdIelRsUnJIWF9uVjZKeE5JZ3lFd3JFRVBqWQ?oc=5) · signalsaz.com
- 2016-02-17 [Johnny Rooker Obituary (2016) - Flagstaff, AZ - Arizona Daily Sun - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPbzF0bkRRY09nVWo4LWU0QlhRSmRiRERfVThsVWYyc2ZxUHQtTFUwcWNrRmZhREluaGd4ZmJ1UTBoSVd3V21wQVZobmtPNjQ1TnR5MmRKYWI0Y1BLZ2cwaFhHYmNhZ29CYVVBRFI3Q1dzWVI4QTRYREVGLVNyN0xsTlJIdG1GZGZSbGRKYW1ZakQ?oc=5) · legacy.com
- 2012-04-04 [Joel Olson, beloved professor of politics, dies - Northern Arizona University](https://news.google.com/rss/articles/CBMiekFVX3lxTE0xRXJESWstVTZtSVVQZVpQMXlJR3l0NzktOFQwUWFuM0w2dXJ1UnQ2Yk1zQWZNUXAyc3h0TmFPaDdSVnJOQi15RWNhUFZyUmVZMVZkLUN5QzdlM0xHV1dsUWctc1VVUEdRVVJsNDkyamR2YXFQVnlQcnJn?oc=5) · Northern Arizona University
- 2025-05-21 [Square Up For Summer Offers 80 Free Events in Flagstaff - signalsaz.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNRVpPbW9xN0VQeFhDSnUtSjdlSFdJSjBMeDN3QlJ5ampnVHVQajhuYklFMGwzRUdmVFozVmZEWGVoclRNOGp1MnFlakV0NklqS2M2WXB3dFNFR1pnaHhFYTUtckRQaXBuR0RsMXU4WG9xd1VsQTE2VTdfaGhOeElQN2JrRldpQ3Q4bW9LVVJYblJPbG5lUWc?oc=5) · signalsaz.com
- 2022-05-01 [Larry Reynolds Obituary (2022) - Flagstaff, AZ - Arizona Daily Sun - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOVUs0N2hyU3V2Vkcyb3Y3QmItTVZPcTNIQ2JlRzYyQXNmVGNXVVZOTFYyVE1WVC14WVVoTjlxb2FlZ2hHQXYwNzBfRWtmTTJ2U1B1TU1YX3I4S3Nyb1k4MXJLX1RndDViTVBTVERQSmE3TV9fQ19xMWhDN0F3aWZrQnlMalJKTHZCUWtFYkZ1ekJIUQ?oc=5) · legacy.com
- 2005-02-10 [Vicky Preston-Richard Obituary (2005) - Phoenix, AZ - The Arizona Republic - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPTEpIS1JSWEtRTE4tUkdfQ0dsemVTTXdyRVp0SmF2R1B6WHZ0LXFHb185TzI2dUFrenN2dk9OTkdpUmN1RVlCc1lWelNpd2pyQjktdVJhWW4yaV9aVjMtVTNVUUFRM1M3WmtOcVFtSU9TMkxUUTZ6OVBDU082TnpOT1Z4aXZqSHlubnhvUmgyaGpfZmFoV3NXeTFn?oc=5) · legacy.com
- 2007-07-04 [Desiree Garcia Obituary (2007) - Flagstaff, AZ - Arizona Daily Sun - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNSDJaRnZBaEc4Qy1yMllacjF5bnBySVB1a01qQTFmZ19BdVlUbzhOU3B4TmtjVF96WjZmM1pUNGZ2Ui05bGdpaHUwOGVpdnZuZmdUTjFvenNTczcyaEJ1SlZ1Y09ycURGRHBEVjF4cGpoRWNxTmRFSTRUYlFJWXZ5SEU3Y2l5Rndyd1lmVXZza3JNUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10335 (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/31.json (key "10335", 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=10335
- 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