# PARADISE VALLEY
NATIONAL CITY, CA · NCUA charter 11953 · asset band $50-100M · latest filing 2024-03 · stopped filing after 2024-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/paradise-valley-11953

Who the members are: federal charter, multiple common bond, organized 1957, low-income designated. 4,377 members of 40,000 potential (10.9% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *too clean*. 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 | $79.2M |
| Members | 4,377 (-7.2% YoY) |
| Full-time staff | 14 |
| Net worth | $8.1M |
| Net worth ratio | 10.2% (p31 of band) |
| ROA (annualized) | -1.20% (p3 of band) |
| Total delinquency | 0.00% (p1 of band) |
| Net charge-offs (annualized) | 0.56% (p74 of band) |
| Loans / shares | 64% (p50 of band) |
| Cash / assets | 22.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.52% (p16 of band) |
| Operating expense / assets | 3.26% (p45 of band) |
| Vehicles % of loans | 29% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 110% (p81 of band) |
| Vehicle delinquency | 0.00% (p6 of band) |
| Vehicle NCO | 1.91% (p93 of band) |
| Repossessed % of vehicle book | 0.00% (p40 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 24% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 26% |
| Average share balance | $10,189 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $34,328 |
| Loans granted, annualized | $2.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2026-06-02 [No Hollywood Ending for Beverly Hills City Employees FCU - CUTimes](https://news.google.com/rss/articles/CBMilwFBVV95cUxNVEZEQ0pMRldUbndGVGJKS0kxVGFOWmMtck1DeU1lMk51RHV5Y21QekJiWnpWb3B2dDdjX0s3dHNsLXRYSDFSUkNBcjhzZURGZEFhZTZRUmNYVC1qNzRYdXFDbDNYRHB0ejRPV2tObnh1eHhZRE9uNTNQWXZuOFE4aHM1RVhoODBfWklWQXdvUTIzVldxcFNz?oc=5) · CUTimes
- 2026-04-13 [More ICE detainees are being taken to San Diego County hospitals, data show - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNeS1fMGIyQ1E1aWFwNmJEN3N6aFBiZUJsWU5zX2RXSk5URGkydGhJR0N1V2N4V09rZDRfVWxlQlpLUkdpTWprUnVQUzdIMFNjNlpGMmZCUXZ0cnJGS0hIdWhKUElKMnR6bjVFNDFUMWZ2SlJKbWs0OTFUanhvYklqOWcxWC01dW15b2VNb29MNmYta3FtV09PZnMxVUNGWU9YR1JoaGtYTXZ2VjNtVHFFNXpJbnFHQ2h4dUVEdkNUX04?oc=5) · San Diego Union-Tribune
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- 2025-01-23 [Nuvision Credit Union and SafeAmerica Credit Union Announce Merger Approvals - PR Newswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxQT2h4alhkMEEtSjhZblVadk1fajdJcmdSVGtuZVNxYk5XWHFkZ3Qxa0FmUGlPTnpFT2JOQ1pMWDhkbEtOQlZPNl9xeU05bzlTaXFFemZxU2pMNEl1ejZsOENpSW54cUxoUE5SR3p6SmpnOFcwN25TVjk1bzdTTVM0VUV4YnZoXzd3cnM3STN2aDZtSlBIN0FaZDRxZGNXYTViTVlwLW02UjkzbkZyVmcwcnpBNUZxcmZWYU5lOTJxVUwxZjZyN2xvVnp5djU?oc=5) · PR Newswire
- 2025-04-30 [Devin Booker makes surprise donation to Paradise Valley boy’s snack stand - AZ Family](https://news.google.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?oc=5) · AZ Family
- 2024-02-27 [Merger Update: CEO Comp Nearly 10% of CU’s Assets. A Big Explanatory Infographic. A 1,000-Mile Reach, & More - cutoday.info](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQZG9adXhjMnBDeXptNWw4UTRoWWt4MldRdFhReHpTNmdmdlZNcTgzbzk0LThQUFpoYWhBS3lQM3lZVzhHSzlkNkZXSGhFdDQycFJTMUhtRnRRaVpLRXFZRmpMcVVQRTdVR2JYOVcxV0M2QVB6NlBrd09YQkVuQzhwYWhaMGdMRWxlbWRaN1paT2Z2V3M0Qk5QM1pENnZFUlF5TVMyR2dUQXQ5RDM5eEtmRkF4a2RnUklxTEl3SFplRDZuUkFIRHMxN0tNVW00Y1h4T1JCcE5BQQ?oc=5) · cutoday.info
- 2025-06-12 [Abrazo Health to open new Valley medical campus; plus more real estate deals to know - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNb3lDU3RVbUJVVG0xM2NRZkNlSWVWRlBPT2E5MGI4V0dhTjlwdldfdjlWR0l1a1dfU2FzYkdHbEpjblBfckg3dko5UFRLNFhMaDQ3cy03d0tEcGFYMFRGaDNiUHZwX3dMejNNRUxULUk5bDRGOXd6UzVzMGljOXFZMlBQQzNrcjNEajRveTdiVi05SlZ1eGFNTGhzby10MndzSW1ENFBSZw?oc=5) · The Business Journals
- 2026-04-22 [A New Luxury Fitness Destination Is Expanding in the Phoenix Area - WhatNow](https://news.google.com/rss/articles/CBMiowFBVV95cUxPWWVwT2VVZDRtdjVGei0wR2VmMFBiTjRCRVdnUDFmTzZTQlNtektjRmVCTW83aU1jNW9XWm85RG5iNXFFVkFhMVAwVnRseXhySG1ZVTBYcnEzWi1Da1pXWklXZVc1RlJuTWJYZWlfYW5ZWVpkZ1l2Tmw4eWpWRWh2WUJXVWxUUS1DLWI0eEJ6Q21FNW9wVnR3MjE2QURqTk5mRUlj?oc=5) · WhatNow

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11953 (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/49.json (key "11953", 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=11953
- 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