# BANNER
Phoenix, AZ · NCUA charter 11680 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/banner-11680

Who the members are: federal charter, multiple common bond, organized 1957, low-income designated. 6,624 members of 50,000 potential (13.3% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *quiet fade*. 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 | $65.4M |
| Members | 6,624 (-3.7% YoY) |
| Full-time staff | 14 |
| Net worth | $8.6M |
| Net worth ratio | 13.1% (p52 of band) |
| ROA (annualized) | 0.33% (p30 of band) |
| Total delinquency | 0.55% (p45 of band) |
| Net charge-offs (annualized) | 0.29% (p55 of band) |
| Loans / shares | 41% (p15 of band) |
| Cash / assets | 10.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.77% (p54 of band) |
| Operating expense / assets | 4.40% (p76 of band) |
| Vehicles % of loans | 58% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 52% |
| Third-party paper % of net worth | 89% (p84 of band) |
| Vehicle delinquency | 0.88% (p66 of band) |
| Vehicle NCO | 0.20% (p49 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 9% |
| Average share balance | $4,901 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $10,152 |
| Loans granted, annualized | $6.0M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | delinquency 2x band |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 2 |  | delinquency rising, delinquency 2x band |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | losing money, loan book shrinking |  |
| 2020-06 | 6 | net worth falling, members leaving |  |
| 2020-09 | 7 | margin squeeze |  |
| 2020-12 | 6 |  | losing money |
| 2021-03 | 6 |  |  |
| 2021-06 | 4 |  | net worth falling, margin squeeze |
| 2021-09 | 4 | delinquency rising | loan book shrinking |
| 2021-12 | 3 |  | delinquency rising |
| 2022-03 | 4 | losing money |  |
| 2022-06 | 5 | net worth falling |  |
| 2022-09 | 4 |  | net worth falling |
| 2022-12 | 3 | assets shrinking | members leaving, losing money |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | losing money |  |
| 2023-12 | 3 |  | losing money |
| 2024-03 | 4 | members leaving |  |
| 2024-06 | 5 | delinquency rising |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 4 | net worth falling | assets shrinking, delinquency rising |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 1 |  | auto monoline, members leaving |
| 2025-12 | 0 |  | 3rd-party paper>100% NW |
| 2026-03 | 1 | members leaving |  |

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

- 2026-08-27 [Most Influential Women in Arizona from 2012-2025 - AZ Big Media](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNWTJrRW9ILXNwb1Z4OE00TXVEQ0VYZ3dHbjBUSV9kS0xReFlBV3FaMjBzWEZ6ek9MeG5TTFlOODRqdmhYcXVIRlFCbzJmTkJ3SThsNGVPYTJmOGhWVFhrbGNqaWJPMXBTR1dWZUtYWHBoVmVxOHBUUm5kWnNQcVo1VG5Kd202SG4x?oc=5) · AZ Big Media
- 2025-12-25 [Washington - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOHdtODhCYTFpVGNBalVIN05VcWIyd0JwM29HdHlEVDBjVXZuTXMwRTA1SXJGZUo3N3R4Y1dKUUNPenhPRHdMZzhTQjZBYmtpdGlLcnZET3ZWaDNEUmZMek9ublRCOWIzZlI0WUZxbzd4bDcxMmhWSnpTLUZoS1N4RXBDYm4tNEVpWG0xUDZsSlhJUQ?oc=5) · Newsweek Rankings
- 2026-08-14 [2026 Readers' Choice Top 3 Finalists - Arizona Daily Star](https://news.google.com/rss/articles/CBMic0FVX3lxTFB1X0xSdlBVbk1kS0xzR2xzSThUS2loSWRySTFobndMbzBQeHB6ekhMUXVueG9rU0NwMkZIdXRleFo5NEtYTkU1WUItNlJvMXpab1NURGEweGRkOEV1THF6cXllZU8yV0M5amJNOWNSaTliUWs?oc=5) · Arizona Daily Star
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- 2026-04-17 [The Ultimate Guide To NCAA College Basketball Court Sponsors - Zoomph](https://news.google.com/rss/articles/CBMijgFBVV95cUxPMXF2X1VnTVFyWEVvTVJIazNVdHV3WTJDRm5ZbkxQNjdhZkhHYjFxa0pyTVFHaHpiOE54bXY4VWZVVHBIT2dObnAtSGdqeVBwMl9JS1VzN214ZzROWTZMclMxV0hMUXJEbUNma3h1N05rLVg2NVBabkp2RnBiSXJXZUI3RE9haE9UU1hsM2Fn?oc=5) · Zoomph
- 2026-01-30 [Banner Health celebrates opening of rehabilitation hospital in Tucson | Local News - kvoa.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPYmxfY1lfRHlOcHBoeW9feHZLVWw2MGxkelZWcmRKVlJpLXF3MjllSEFlNEx6R3dGYWQ3UVNfaHNzUlhxbEZ6QWJPdmdfaThBdEFsd3J1YzlNMWdCNC1MMHA5ZWF6SG5uUFZoUGxkaHdqak5zUl9leUp1bzJ2RklVMGJnZTRWLWpjRUdVWUlzcXN3Y2F4LXNEcVQ0Vk02UlBoTTJxNEhweUFPMFktM2pIejN1anR0LUtEVzUwTXBxc3pSMUNYbGhoMmY4dHFGZ3dIbFVuTVdjczdXaW1uUVA2a2xiZjNUZw?oc=5) · kvoa.com
- 2025-10-31 [Arizona cancer center renamed in honor of Larry Fitzgerald’s late mother - KOLD](https://news.google.com/rss/articles/CBMinwFBVV95cUxNaTRKRUpJVEV3OVhUeXFGSG5mRUVNX3lrb2NfR2VFOGNVOVVpWS1Zbm5BSVpldXdBVERqZWpqT0MyVUZsVkFCcWJXNW5OYkkwWUhqRDVBR3hxVi15aDhiTS02eEdmUFl6T3Z3aGJvMW90RFQ4ZXJPZFNuckJGMnBnQy1uUHduY1BYX1ZtSkZ1UHpJbmRkS1htcXFuWTM3cVHSAbMBQVVfeXFMTkVENEh6LW50V1ZkUF9CU2ZYYXBKcjlQcWdoQVVSZ2RkSkRlZEpHWko1eXFfUlFtS0Y0WlJnVl8wcFQxQk9MUWZubjB4V3A0TlFocm1JaUZzUHREZlExeksyNW9BOUxvYmJ5QWJhUkg3YV9xenUwOVhmOHc0cFlsNk9aZXFFWVBWWHBLZFhZTTlJU1NvbGlDWFZEcEM4U1dLUjh4SVBWdDQ4M0Y0Sk4zQzhDTXc?oc=5) · KOLD
- 2026-03-12 [Pussycat Dolls announce reunion tour with Phoenix date - Phoenix New Times](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNMXRLZTF3ZlNKM21TaE9LdDd1VjA2Q2FacFdJZ0g3YUtRU1A4NE9fYWhscFcySHdNWi1RaGhRRjhiSzJvUzR0M0ltUmlKQWRMYlVMSWp2Ml9ZVGttZ0N1YURWZVg3c2NLSDRWUHRjNGt1SGhKMkRRMGRDbEdzZUdVb2hzZHExb2lxbUhmV1ZuS2hiZ2lWTUdPT0ozemVieWZ2U01jcThyWEw?oc=5) · Phoenix New Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11680 (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/32.json (key "11680", 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=11680
- 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