# ARIZONA
Phoenix, AZ · NCUA charter 1747 · asset band $1-10B · latest filing 2022-06 · stopped filing after 2022-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/arizona-1747

Who the members are: federal charter, community charter, organized 1936, low-income designated. 147,583 members of 5,500,000 potential (2.7% of the field); checking penetration 87% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.83B |
| Members | 147,583 (3.1% YoY) |
| Full-time staff | 526 |
| Net worth | $331.7M |
| Net worth ratio | 11.7% (p81 of band) |
| ROA (annualized) | 0.68% (p38 of band) |
| Total delinquency | 0.06% (p4 of band) |
| Net charge-offs (annualized) | -0.12% (p1 of band) |
| Loans / shares | 50% (p6 of band) |
| Cash / assets | 17.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.09% (p14 of band) |
| Operating expense / assets | 3.63% (p90 of band) |
| Vehicles % of loans | 29% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 58% |
| Third-party paper % of net worth | 63% (p27 of band) |
| Vehicle delinquency | 0.08% (p13 of band) |
| Vehicle NCO | 0.25% (p49 of band) |
| Repossessed % of vehicle book | 0.01% (p32 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 140% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 4% |
| Average share balance | $5,523 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 63% |
| Average loan balance | $14,365 |
| Loans granted, annualized | $828.3M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | 3rd-party paper>100% NW |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 5 | net worth falling, losing money |  |
| 2020-06 | 5 | margin squeeze | delinquency rising |
| 2020-09 | 4 | delinquency rising | 3rd-party paper>100% NW, net worth falling |
| 2020-12 | 2 |  | losing money, delinquency rising |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 4 | delinquency rising |  |
| 2021-09 | 3 |  | delinquency rising |
| 2021-12 | 2 |  | expense trap |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 0 |  | net worth falling |

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

- 2026-09-04 [OneAZ Credit Union opens new Peoria branch - AZ Big Media](https://news.google.com/rss/articles/CBMigAFBVV95cUxOR2hWbXpYb1JUOHBObGJhZEtoMm9pRWZTNDVCMTQ1VXN5RzBaUURVbkJvWDFYMTRhZHE2bHU1RG45dHRNZ2hXNDFBd2l3amJveEJKZmlMUXRWdm00QU9xb2thQVljZm4yZXVHWUZIYjhFSFFNUWxNODZ1M0ZVaDQxRg?oc=5) · AZ Big Media
- 2026-04-16 [Credit union eyes Queen Creek, East Mesa for new branches as it chases growth - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPaklVMTY5d3FtbERnR3dVelJ6YVhybnNkVGV6a29IMzBvdGNqTWJEN2M1RVF3cFdSa290aGFfSzAxSmowUE02VmhldlIwZnYyMnB0NkYxRXRyRnExdVJsMHhhMlNZOHlYWnBaUnA3ZXJvUW1PZXFCYkh0ZnhJOWllSndKVzZSVnBJcGZjV0FUaG5xYzVsSUlwSnhDOA?oc=5) · The Business Journals
- 2026-04-16 [Arizona Financial marks milestone by revamping Apache Junction shelter - AZ Family](https://news.google.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?oc=5) · AZ Family
- 2026-06-23 [Arizona Enacts Credit Union Modernization Law - cutoday.info](https://news.google.com/rss/articles/CBMikAFBVV95cUxQUEJBV2xuRENidzRyTzZ3U1k5YVZ5cUpGRklaNzhBQldQc3V4aFM3eFZfZkNQc21iMDFKZXZpZDM3bUhpTE1GVHNEZUFtZ2hJYS1jQlZ3YUpWN0phYkU4NllYd0NjSHVldUptblZuU042eTQzeFR4ck0wdTY2VUQ5bklqLVJHVzlPcWw3emw4Z24?oc=5) · cutoday.info
- 2025-12-10 [PHOTOS: 2025 Shop with a Jock - Arizona Cardinals](https://news.google.com/rss/articles/CBMicEFVX3lxTFBtSWpTQ2xDQjYyWnFoelZmcy0xOF9rZFUyYXlLY3VjVkZaczd1SXI1S2picWI0SEllU3BvckRXRE5qb2JEQ2lOaVVfcTVxZEJvdXlQdTdJR2xCSG9heEtvZU9SXzZQLVQ4a3dDOFNELXY?oc=5) · Arizona Cardinals
- 2025-11-10 [OneAZ Credit Union receives final approval to acquire 1st Bank Yuma - CUInsight](https://news.google.com/rss/articles/CBMirAFBVV95cUxQdjFnOEpud0lUanZrV1pHM2VjT0RMZnZxYmZoODBlZTY0V0o0TGxaVUs3RmNobTdValNnTG5MeVRHR3Q4UEphM3dhTjE3YVRhZ3FFWXlJLTFWTVhwLW9PZUtuUmxtNWJoM2RfRFRXX2JJSkw4SG5URFRuVUZIZkNkRTZFc3VrUmtUNlJFWHNNNnd4ZnBOMjhQQ0lNZkdMV0oxcGg4M1hEYXJOLW1L?oc=5) · CUInsight
- 2026-01-15 [Arizona Financial Foundation awards $300,000 in grants to local nonprofits - Arizona Digital Free Press](https://news.google.com/rss/articles/CBMirgFBVV95cUxNUVJNTGNka3hqR25aa3FHTXVBQ1kza3J6NVA3cnJfbXU5TGhqSWZueTJIU1BHR1U1WGM5WGJNQnBSM0t0cHlNRnNLUjI2ZzlFWnFsOXY1U2g2b3ZrdW5WODZYODhiOVEwek9OYlhwdkpILUlvSkUzbDBJUnczczRnRHZTNHpRQW5CbFlReTgyRzRyOG9lell1MDhiZWgxeUJVU19TMkF3MDlKY0o2T2c?oc=5) · Arizona Digital Free Press
- 2025-09-30 [America First Credit Union Expanding Arizona Presence with Eight New Branches - PR Newswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxNSHJ6MEpjV284Qk8xS0hjaDNDZ0pVa3FoR2xTbHI1bFZFelhNdjNiVHZqaE9LT05OWjM3Z0V1TTJzY1ZUaFBRaVZKUV8tWHF2V244cEFNeWtzOUlnT29FcXM0UnJDTVdmX1RLVmp2aXRJMmFJenNLX0w2Zmpad0ZCQVNfZjZ3NHl3cXFiWXZPSFA2TzloQ2s0eE1MQ3ZhYzlkdzllb0NIWklGYjUyYkNMalBzU1JDNHZZdG9tRE5qZnlOdnAtVlE4MGtEMVNrUQ?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1747 (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/19.json (key "1747", 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=1747
- 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