# TUCSON
TUCSON, AZ · NCUA charter 2157 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tucson-2157

Who the members are: federal charter, community charter, organized 1937, low-income designated. 52,073 members of 1,093,800 potential (4.8% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $971.4M |
| Members | 52,073 (-2.0% YoY) |
| Full-time staff | 180 |
| Net worth | $107.8M |
| Net worth ratio | 11.1% (p60 of band) |
| ROA (annualized) | 0.49% (p39 of band) |
| Total delinquency | 1.19% (p86 of band) |
| Net charge-offs (annualized) | 1.67% (p97 of band) |
| Loans / shares | 64% (p15 of band) |
| Cash / assets | 5.7% |
| Borrowings / assets | 11.27% |
| Net interest margin | 3.93% (p82 of band) |
| Operating expense / assets | 3.74% (p60 of band) |
| Vehicles % of loans | 33% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 43% |
| Third-party paper % of net worth | 66% (p42 of band) |
| Vehicle delinquency | 2.61% (p98 of band) |
| Vehicle NCO | 2.93% (p95 of band) |
| Repossessed % of vehicle book | 0.25% (p85 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 24% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 11% |
| Average share balance | $7,029 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.7M |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $15,683 |
| Loans granted, annualized | $121.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.7M outstanding purchased (4.4% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 14.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | thin capital |  |
| 2017-06 | 3 | delinquency rising | thin capital |
| 2017-09 | 4 | charge-offs p90 |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | delinquency rising |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | expense trap |  |
| 2019-06 | 3 |  | expense trap |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | auto monoline |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | net worth falling, expense trap, margin squeeze | charge-offs p90 |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | expense trap |
| 2021-03 | 5 | thin capital, charge-offs p90 |  |
| 2021-06 | 3 |  | net worth falling, thin capital |
| 2021-09 | 2 |  | 3rd-party paper>100% NW |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | members leaving | charge-offs p90 |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 3 | delinquency rising, charge-offs p90 |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 1 |  | members leaving, delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | net worth falling, leaning on borrowings |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | delinquency 2x band |  |
| 2026-03 | 5 | delinquency rising |  |

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

- 2026-04-07 [Tucson Federal Credit Union invests over $106K across 19 organizations in education, housing, youth, and community programs to open 2026 - CUInsight](https://news.google.com/rss/articles/CBMigwJBVV95cUxNeGFrbGRYTXAwakhSU2s4ZFMtNXN3VWxhTm9Td3BYVGlheEY1MExRZ1dzSEJHOC1GSHhMUGlDbU83RURGbkdoeEloRTV6Q0lfVWxTTDIzeUNfTF9RSzVhQUFNVElON3VpODhnckdzemxSWGZyWUFqOVdRUW4wZzRvVHB3dDdBUWxxOGZTRDlaandlNlZmbWNlXzZQaXU2cGxaV2tkUkwwaEM4MTd5UmhzU3pVN1hzeVNmTEE5YjNwZUZTSjRDSUFlQVpQcTlJMkZ3TzZUdGdxckEtMkYwRWR2MU12OGJKZVRMdFZDOTJvVFd6ekhLYWdkUzFLZGpwcVZqdm00?oc=5) · CUInsight
- 2026-06-05 [Coming Soon: Hughes Federal Credit Union Event Center at Fox Tucson Theatre - Real Estate Daily News](https://news.google.com/rss/articles/CBMirAFBVV95cUxQdnVnUlBfdUY5LWx0UkNEa2toMVFoUG5RYk9SSURGY00xLWxtQzVRWEV3bTFYcFBtUUFiaktqRWc2OFhQUXdWN3FIU29DdlBWWFdiZUhqMmkyX0Iwa3ZTNDJCRWx0aVVsRjdhcmJXSXRoZHhxektIWF9oS0V3QmpKUS1DbkI4VjBFTUNhc1JsVnJtaVZvZkF0TXVIQlA5a3FfemQ0eW1nU2JzZnY3?oc=5) · Real Estate Daily News
- 2025-12-03 [Roadrunners December Full of Magical Holiday Moments - Tucson Roadrunners Hockey](https://news.google.com/rss/articles/CBMiowFBVV95cUxQQ1Zjdjg2QmdZM0xqQ3M3NlU5RDl4VDFDbkFDSm82T1B3UXJCSGNSTUFmTFRpamNlQXlMTXgtTUZoZzNPSC1pSkFiTl9VS2hxTGtOa0pHWHpJMk1ycUZBWEJnMnNUSzgtLWszcDViOHg0N0EyalROVVhXRHd2UWdXR3BrcENzNmpZZjJjaTVNbUpodWw0S2t5NWlWcWY2WFBfcjFZ?oc=5) · Tucson Roadrunners Hockey
- 2026-06-04 [Fox Tucson, Hughes ink $5M naming rights deal for events center - Arizona Daily Star](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPeVhaN2dqMVFtWEVvV0NiU0lrc1RHM1dOc1p1Q0lVaGk4TDUzcWxYQzBBbFpLbUZWbXF3UTRWS1k2c0RjUy1wWEJOR3dCZ1lLNnhUQ3R6bnozTjhNRXVDSk5ta1hqSi1GQTdqanZDX2d0T3lXQnVnQkFCTGlmUjhVSTNqNXhaYlF0Z0lBWEV0WVNIVGx6c1B5VXh2Z05WTUNrZXdoVXU1UzE?oc=5) · Arizona Daily Star
- 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
- 2025-10-24 [Don't Fall for a Scam: How Hughes Federal Credit Union is Protecting Local Southern Arizona Residents - kgun9.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxOWWZwbFNwQ3B3WmlUUmwzaHcxWmNUakVYUkVVSUNTbmgzSzl6TUg3SllLTXNWdVBfa0pZczhTdzVKRy1weVAtX0pCenJNWHVmNHZsazlpSURwRzA1eGdzT1pCV2lIU1oySHFNM1huTWdJQ2NHOWZXUDVPR24wVHdhdnRZSmJlMkJDZHZyS213M3RCTHY0RG44dVpvQTNCRmJTWXhhNkhsc3hURmcyeWlDTURTa1RSZWN2NWJocFZvTUNsVUxyMDhxQUp0cw?oc=5) · kgun9.com
- 2024-05-17 [Arizona credit union to acquire bank - Banking Dive](https://news.google.com/rss/articles/CBMisAFBVV95cUxNQzRBdFJGa3NYMmNlYVlVZnk2R2pBd2pVOWNXSDdOZXl2Z1AzaGR5ejkyRVc4OTBHS181N0VtM3V0TlBTMmNTQWo1NzdGSmhLZkh6NXp4ejcxdm5Oc0ZSZDE3UzF5Qld2N0dnRE5hRzFLWWlSZERXdks4Y0pEVHl5b2FubDlCZHlobzA2TUtVVXNKaTk5U2tMd3NLSDY4dktnc2JkOWN2bjlpbW1tU3NsdQ?oc=5) · Banking Dive
- 2025-09-25 [Notre Dame Federal Credit Union buys Arizona trust firm - Northwest Indiana Business Magazine](https://news.google.com/rss/articles/CBMitwFBVV95cUxNQ2RjSlhJOHdBVmx1WllGZmYxbU9oMG5LUkdORzNHSXJxUm5vVFg2Njd3ZWQ4RUFHVDU0SV9MWGwwSEFMdkhrZmNYVWlrMFJSazBZa0hRWnFIMi1NNUFqRzFyb0N6dEVhM09CZGRXUWZVXy02RVdQeTJLRS14eFBOM3VkeWdHWG9DSkNzcEdhWGRmbDBmRF9tcm9LU2pFS0t2TmZ1ZFVOdlMzbFRxZTBQOHA5WjZSZGM?oc=5) · Northwest Indiana Business Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2157 (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/45.json (key "2157", 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=2157
- 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