# PRESCOTT
Prescott, AZ · NCUA charter 2460 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/prescott-2460

Who the members are: federal charter, multiple common bond, organized 1937, low-income designated. 1,284 members of 24,986 potential (5.1% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 45.

**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 | $11.0M |
| Members | 1,284 (9.3% YoY) |
| Full-time staff | 5 |
| Net worth | $707,798 |
| Net worth ratio | 6.4% (p2 of band) |
| ROA (annualized) | -2.61% (p5 of band) |
| Total delinquency | 0.89% (p59 of band) |
| Net charge-offs (annualized) | 2.22% (p94 of band) |
| Loans / shares | 41% (p25 of band) |
| Cash / assets | 26.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.20% (p63 of band) |
| Operating expense / assets | 7.19% (p94 of band) |
| Vehicles % of loans | 52% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 2% (p88 of band) |
| Vehicle delinquency | 1.69% (p76 of band) |
| Vehicle NCO | 0.67% (p83 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 27% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 14% |
| Average share balance | $5,382 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $7,260 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 3 | margin squeeze, charge-offs p90 |  |
| 2017-06 | 2 |  | margin squeeze |
| 2017-09 | 0 |  | auto monoline, charge-offs p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 1 | delinquency rising | charge-offs p90 |
| 2018-09 | 2 | assets shrinking |  |
| 2018-12 | 2 | delinquency 2x band | assets shrinking |
| 2019-03 | 3 | assets shrinking |  |
| 2019-06 | 2 |  | assets shrinking |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 3 | net worth falling, margin squeeze |  |
| 2020-12 | 2 |  | delinquency 2x band |
| 2021-03 | 3 | delinquency 2x band |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 6 | thin capital, losing money, charge-offs p90, members leaving | delinquency 2x band |
| 2021-12 | 6 | delinquency 2x band, delinquency rising | net worth falling, members leaving |
| 2022-03 | 6 | members leaving, loan book shrinking | thin capital, charge-offs p90 |
| 2022-06 | 5 | assets shrinking | margin squeeze, losing money |
| 2022-09 | 5 | auto monoline | members leaving |
| 2022-12 | 5 | members leaving | auto monoline |
| 2023-03 | 4 | charge-offs p90 | delinquency rising, loan book shrinking |
| 2023-06 | 3 |  | charge-offs p90 |
| 2023-09 | 4 | charge-offs p90 |  |
| 2023-12 | 5 | losing money |  |
| 2024-03 | 6 | net worth falling, expense trap | charge-offs p90 |
| 2024-06 | 8 | thin capital, auto monoline |  |
| 2024-09 | 7 | charge-offs p90, loan book shrinking | assets shrinking, net worth falling, thin capital |
| 2024-12 | 6 | thin capital | delinquency 2x band, loan book shrinking |
| 2025-03 | 6 | loan book shrinking | losing money |
| 2025-06 | 7 | losing money, assets shrinking | loan book shrinking |
| 2025-09 | 7 | net worth falling | auto monoline |
| 2025-12 | 7 | capital below 7%, delinquency rising | members leaving, charge-offs p90, assets shrinking |
| 2026-03 | 7 | charge-offs p90 | delinquency rising |

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

- 2026-05-09 [Queen Creek Welcomes New First Credit Union Branch - signalsaz.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYm0zVTZ2OUdvS25yS1BOd0RpZy1xMUlxRkNyX1hETGgzUzNGZlVDQ2JwNzR1MFJQal9iMF8xbTNVdjFmb1llRWUzVER0bWEtQ3lzTjlJak9fMElTYWE3bjh3aFJUaXpjSUQzQ0lZQ1hMQWpqRW0zNkxxUWl6dW51cmtEUFpKU2ljNXlpdXJmUQ?oc=5) · signalsaz.com
- 2026-05-24 [OneAZ Credit Union awards grants to six Flagstaff nonprofits - azdailysun.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQR0RLMW9ad2RPMzIwa0ltTnJzdXFwMDRCYlRmSlQ4VUZLbVItb3pkTDhJUWxNaURGMVppVnVxQTlhSFRsOGVZNmdIcExWRloyM3FhSnJkZ2RBemVGQU5YeTFsRm41dGRLZHVjZkIwUFFKZ1NsUWtRNFRTQ3dxRmw5ZzhHOWhnYzU1aUZhbUlJaTlHYWhlbGJ2Wk1HVDlxOFMwYlVJQ0EzUnJBLUhBc3pzaXFVQzEzXzdEdnVhX2VaRkNCODI2Z0ItRjYtbTU1YlBvU0FmZTZLRUtheC1f?oc=5) · azdailysun.com
- 2026-07-23 [Alice Cooper Setlist: Get Ready for His 2026 Shows - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiYEFVX3lxTE05VW0xMXctdjc1TUVwLTFlQTVOVjJvT1VkNndBaTNtcTZGcEl6OWRRY19Ka3hqU3dkY3N2WUQwSXVoZkxnbHhpTEg3czVQQ3V2YU5DR2o4ZGxCWXpaUFVnaw?oc=5) · Ticketmaster Blog
- 2026-01-06 [Celebrate Law Enforcement With Blue Lights in Prescott - signalsaz.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQX3lIUU5HTVNCU3RxN2RyNHpBT25KejgyWXRuZ1cyd0NXNnRwNU1sYVZ3R1YxS0JpRXBrZkNZRGwwTHozOG80NzRtR1I5MkR3SklNU3BWYmRrWXp6M3Z6Wi1qdEV3d08yMlN1cHRMT3pLeF9HVnlOZHdJeUVVbU0zRWhuX1NMaG5jTzdYYzRpM2NiVzhUOF96LURrcS04ZHJmZ0RaSG44aW4?oc=5) · signalsaz.com
- 2026-08-26 [Prescott dealership gives a jump to teachers with $12,500 donation - AZ Family](https://news.google.com/rss/articles/CBMinAFBVV95cUxNeFg0UDJpZ2Y3QUxBSTR4ei0xVW0wYV83RGZVZzNvLXk0Y1VFQTVrWTc5OEtDaFM5RS1JeXpjOS01cGxzWnFrUTRnZDdvRmllNFFpR0pVSld4YTNveWZrOFVJaWttMC1fOGhydjVZM04zUzM0NHVJbEVJaG5ad3JiU0IzQW1tcmU3UFdKdzJYeHJkVndyQVkzR0hPZkvSAbABQVVfeXFMUGpjNUdyOFRkckJiWThvemRUeDVRT0psekJVYlQ0cUVHbThHQW9meWtGM2VDaGVhMHQxM01FNV8tWFdRVGxqQ1E1OWFKdHROanppWm5CTkxsdDZMVG9XZk5XMG1IQmxxampQSHlnbnAzdjk0YWhpLS00WU1SQTBzTThxaWF5WUk0QXhtbHRKVmdhMjRJU1Q0ZDVobWJoNjF1WlllLVNGdmtPcDhDeU9INEg?oc=5) · AZ Family
- 2024-03-28 [Desert Financial Credit Union opens new Queen Creek branch - AZ Big Media](https://news.google.com/rss/articles/CBMilgFBVV95cUxNTUxMc2FlS3M5SGdhZVBMcEVpZ29WMkZEWGp3Z1B0amZMMEdodlZfODFOQUxfYWxUdGpJVlRxTUd3ZDk5bTdackxDY040R3NlODNWMDdCYm9PSFFyNEU0WUxON1hqZVBsV0dGcWtEVlE1aDZEMV9oNVMtTUdwcE9HOWg1NTR6cUtlNk12SVRwckFZbUhYV2c?oc=5) · AZ Big Media
- 2025-09-17 [Desert Financial Makes Forbes Best Credit Unions List - signalsaz.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOTTNCYUFTc3R1ODBFakpzWE1aYjBqTnJxdWp3cTBTTnNTUWFnNXZZUy1QZmstdUF3bVlNUE9kRm01RXB1R1VFYmxnemx4bVp6MU1waU5mdGN5NnNCelozLVBRZXBNdlFKT25XbEV4N0FkQk4tRnZWb3ZFbk1iUGwzZU01QUFTQTBlUXVCcmFWSlVROEk?oc=5) · signalsaz.com
- 2023-06-25 [Desert Financial Named a Forbes Best-In-State Credit Union - signalsaz.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNSDF0ZEZBT01ZTjNjQzhjb2ZxTzNYeHNFdHZvNll6T1dNMW1vbHpCVVllQ2JiRGtCVFc5SFFyd2RvQi02eHhMMENKcC1uRk5QMU9NOWhuUnY5WVh1VEtIMGFSeURkUnBoT3RJeklvOWowMlV2S21iV3FsTnVTM3ppZ3ZXdXBGdC1sMHF3QUVxSldCSER5ZnEzbS1R?oc=5) · signalsaz.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2460 (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/28.json (key "2460", 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=2460
- 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