# U-HAUL
Phoenix, AZ · NCUA charter 15847 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/u-haul-15847

Who the members are: federal charter, service (single sponsor), organized 1963, low-income designated. 3,785 members of 17,000 potential (22.3% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 20.

**Verdict on the desk:** this could be *stressed*. Composite score 7 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.7M |
| Members | 3,785 (0.3% YoY) |
| Full-time staff | 4 |
| Net worth | $653,063 |
| Net worth ratio | 9.7% (p15 of band) |
| ROA (annualized) | 0.66% (p54 of band) |
| Total delinquency | 4.68% (p92 of band) |
| Net charge-offs (annualized) | 3.19% (p96 of band) |
| Loans / shares | 38% (p22 of band) |
| Cash / assets | 66.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.80% (p82 of band) |
| Operating expense / assets | 7.69% (p95 of band) |
| Vehicles % of loans | 76% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 5.39% (p95 of band) |
| Vehicle NCO | 4.55% (p97 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 97% |
| Certificates % of member funds | 0% |
| Average share balance | $913 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 20% |
| Loans granted per 100 members, annualized | 53% |
| Average loan balance | $2,938 |
| Loans granted, annualized | $1.6M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, expense trap, charge-offs p90, auto monoline |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 5 | delinquency 2x band |  |
| 2017-03 | 5 | margin squeeze, delinquency rising | losing money, charge-offs p90 |
| 2017-06 | 4 |  | delinquency rising |
| 2017-09 | 2 |  | delinquency 2x band, margin squeeze |
| 2017-12 | 3 | margin squeeze |  |
| 2018-03 | 3 | members leaving | margin squeeze |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | assets shrinking |  |
| 2019-03 | 3 |  | assets shrinking |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | delinquency rising |  |
| 2019-12 | 3 |  | members leaving |
| 2020-03 | 3 |  |  |
| 2020-06 | 6 | net worth falling, margin squeeze, members leaving, loan book shrinking | delinquency rising |
| 2020-09 | 7 | delinquency rising |  |
| 2020-12 | 6 | delinquency 2x band | net worth falling, delinquency rising |
| 2021-03 | 5 | losing money | expense trap, delinquency 2x band |
| 2021-06 | 6 | expense trap |  |
| 2021-09 | 5 |  | losing money |
| 2021-12 | 4 | net worth falling | members leaving, loan book shrinking |
| 2022-03 | 5 | losing money, charge-offs p90 | margin squeeze |
| 2022-06 | 5 | delinquency rising | net worth falling |
| 2022-09 | 6 | delinquency 2x band |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 5 |  | losing money |
| 2023-06 | 8 | net worth falling, losing money, assets shrinking |  |
| 2023-09 | 6 |  | delinquency rising, delinquency 2x band |
| 2023-12 | 5 |  | assets shrinking |
| 2024-03 | 6 | delinquency 2x band, assets shrinking | charge-offs p90 |
| 2024-06 | 7 | delinquency rising, charge-offs p90 | net worth falling |
| 2024-09 | 7 |  |  |
| 2024-12 | 8 | loan book shrinking |  |
| 2025-03 | 8 | thin capital, net worth falling | delinquency rising, charge-offs p90 |
| 2025-06 | 7 |  | net worth falling |
| 2025-09 | 4 |  | losing money, assets shrinking, thin capital |
| 2025-12 | 5 | assets shrinking |  |
| 2026-03 | 7 | delinquency rising, charge-offs p90 |  |

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

- 2025-12-16 [Scottsdale dive bar raises cash, collects toys for families in need - AZ Family](https://news.google.com/rss/articles/CBMinAFBVV95cUxQT1RHM1hNcFNkNGJhRzZMbjZLNmlRTm9lVWt4YkpVR2w1dU5FX2NlWmhfM01Sc21qc0lhSllZSmp2QUVtTHNGeThzX1ZrMDl6Xzl2cHQ2c0pib0k1anNSU0hwSlQxM1M4b1lOM20zb2kxWjMxajVJaGhCaFZiM0VGRHRDZTIyeHRqUVhwNDhrYVF3d0VacXFQeUh5NnfSAbABQVVfeXFMUEVoeVhTZTFpUFU2SnRjMGdmVUhZQmNZczBwRmcxem1SSVdkRXRZMmZNX29lWnBYYmt5dEtJUzBlSF9qeW4tMUxzYUxfVDVrY25wVGpCWjd1Z2hZY2l5UGMtQ0ZwelFNT2YtbGNuMU9YR1lfM2NnMnFTbm83X0V1R3ptOURmRXZ0REc1UlBmbEsyR3gyd1pQa3pNN0sxQUlhWTRDNGxhZ25wS1RWUkJjYUI?oc=5) · AZ Family
- 2024-11-23 [Phoenix credit union named healthiest workplace in America - KTAR News 92.3 FM](https://news.google.com/rss/articles/CBMihwFBVV95cUxNR0NCUV95QzdiWHVzaFRNQzdxelQxcnpaamxpcVJhRU5UY0lxM2tWZWxtNUtjQktOR29tTDNqM0RtUTMyejV0czF6UEdxaENOcThtN3V2VGkwdUpucVZoR3Z5MGQ4dUhnM1BaQjZpaGF3cTdSTWMzV3BNZjdrWnFHRmRIS3ZHdjA?oc=5) · KTAR News 92.3 FM
- 2023-09-30 [Most Admired Companies of 2023: U-Haul International - AZ Big Media](https://news.google.com/rss/articles/CBMikgFBVV95cUxQZkJGZERUbDRHMVFhTjNVRTFQQVdLaFVYaVI3SjVSeGZMbDJRZ01VeFgwVWlrUDJlaWM1VHBfSXZXRUlxM2RzWklYQmp4bDhZMDZIRENNSURidDlIUWtqSUozNm4xOUR5dVRrSVYwU3JUWUpxZ2ZTb2VQWXhsWlZWZVhBc0V2ejUyVW9NVG9rcVJLZw?oc=5) · AZ Big Media
- 2024-04-23 [U-Haul buys 640-unit self storage facility in Webster - Rochester Business Journal](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOWERpeFVueG5vNEFzMHBnRzMyWUx5cWktbG1SdUZUS3B6NDJuQ0cwcFU5TTFxMURkTzNxMEQ1cXZHNVJDSGxsUkpWLTVveHJDbnJYR1lEWjJ6RVBOSHJlR25qLUVIWkluTVJwUXhNaHdtTl85Zk1BOS1FdThzWnNnYTVaNXFPUmJS?oc=5) · Rochester Business Journal
- 2021-04-07 [U-Haul parent buys Hartford’s Capitol Archives property for $1.1M - hartfordbusiness.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPd3FZNU1yRmdzM1NueEtiUVZpSzZmR2lTb2VpcmotTUpXenNEMTNsUFQxeWd3WTFQTkRudThLRWFXMVVxMjZ2WHhxcmpFZmxDOVFScXZ3VkRBMF9EMzFteDR4R09xOE1mX2FiMjdDRjdPZWVieEZjN3kwUms0RkxhQmVSLWZwYjJrc3QxMGRDMWs2bGFvWEZ3WTVjT2lHbzZrdXc?oc=5) · hartfordbusiness.com
- 2019-04-18 [U-Haul Environmental Fee Class Action Website is Active - Top Class Actions](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNa3VzMVViWmFoendTa2VzY2prTlRCZmJlLUdBV0tacF8yUXBta1hfakk5S3BlNGlFRjNTeHNwWk1JUWw4THlMT0pRUnA2c2FnbFJaajVVY0NIVGlGSlVFalJqVUNNaEI0TVpZMzJSSkRuc1dSOVBNOUlyOHJnbXR5VGhoYzJ0RER0b1VVQlB2REVnMnBpWlFyWjE0NWZLd2ZMdVZfdGVMYVBsU2x1VVlLSS13SUZsczJm?oc=5) · Top Class Actions
- 2025-05-29 [Growth of Marana: Latest development projects coming to the town - kgun9.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxNOU5GUUlOMkh1aVJacjNZYWdCdkpGVEF1T1BEbDQyOHRIWmpKZHgxYkZZeHFVcl9WbGZEalFOalBKZV83RXBxWktvMFl6WnVWZF9tdG5xSWt4WnRaMExFX0lqdXNHanBzQmdfcTVySDVhU1dEclBzekQ0dlBYMUdRdlRGSEhlc2doQ1k4cVZlMDgtRl9BREgxQy1QQlFzOE10X3Jpald2bld2RENic0lGQmdzV0RiSXRhRUh2dFdBRVpDd2lCZlE?oc=5) · kgun9.com
- 2025-02-18 [Commercial development picking up speed in Thatcher - GilaValleyCentral](https://news.google.com/rss/articles/CBMiigFBVV95cUxPR09ZYTBlNkM1UWZrUFpBQjU0TGg3dTkxZDRrUV96NVR4bVNDb0h5MGs1dHIzMXFuWWhpVjBHa2ZpM0Q2cGcyYkRIazkxWGNOeEVkR3pCdEdYVHFwczhvSXZ4LUJNRHdIYll1OHpVU24wSTdtZDZNeGthWWNYZ0ZvdUR0aWctaEN2b3c?oc=5) · GilaValleyCentral

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15847 (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/39.json (key "15847", 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=15847
- 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