# PYRAMID
Tucson, AZ · NCUA charter 24826 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pyramid-24826

Who the members are: federal charter, community charter, organized 1929, low-income designated. 17,727 members of 874,921 potential (2.0% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $252.2M |
| Members | 17,727 (0.5% YoY) |
| Full-time staff | 58 |
| Net worth | $26.3M |
| Net worth ratio | 10.4% (p37 of band) |
| ROA (annualized) | 1.00% (p72 of band) |
| Total delinquency | 1.35% (p89 of band) |
| Net charge-offs (annualized) | 0.60% (p71 of band) |
| Loans / shares | 62% (p26 of band) |
| Cash / assets | 15.0% |
| Borrowings / assets | 1.19% |
| Net interest margin | 3.45% (p42 of band) |
| Operating expense / assets | 4.09% (p67 of band) |
| Vehicles % of loans | 36% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 41% |
| Third-party paper % of net worth | 80% (p50 of band) |
| Vehicle delinquency | 1.38% (p86 of band) |
| Vehicle NCO | 0.52% (p44 of band) |
| Repossessed % of vehicle book | 0.08% (p67 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 51% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 16% |
| Average share balance | $5,624 |
| Participations bought / yr | $20.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $13.4M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $14,504 |
| Loans granted, annualized | $42.5M |

## Participation posture (from the same filings)

Bought $20.3M and sold $0 in the latest annualized quarter; $13.4M outstanding purchased (51.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 1.2% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

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

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

- 2026-02-17 [Cops take down alleged 80-year-old armed bank robber in Arizona - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMikAFBVV95cUxPYmVCY3Q1WmozZjlDcDFDN0VCdWF5R0FUZ1NsbFlFbkRYR0VEeVpRWUo1b3hwS1JvM1dTcFplV3Z3dlJDeUd5QmY2eTd6TklUdHBXWXdKUzc5MmFoWFlTdy1aaEtsWnRLckRVZWNPN29Vd3N1T3FNcVhSRVR6VElaU0ZfX0k3TG5BUXhCZFdNQnfSAZYBQVVfeXFMUGxWMVhmUTVON2ZvN19UcE1JRFowQnZXM0hfSjdIZGhnRDE1bl9PeU42VGRvcHlDbm5RZjNHNWZXVFRnQzFTajlRai1HMTUySDZGaHBLRFE5NDB5Zlpzbk8yZHowXzl3cnlDQTFRRnFzeDV4ZXNpcDZrVVMtWi1wZ252UlBudnpEWWg4SVBsWlJZQV9fdFZn?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2025-12-10 [Nonprofit gives Christmas gifts to generations of Tucsonans - kgun9.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNU2ZiVFZ4UUx1Z0NKMk9CSHJySG01RUdIS3VkN1A5M3RMY3hQYXpEdkdTSXVBYU0tZ01aZWtkZjdsSzdrZzBHS0Q0MlVxLVA1UXFrQnpFYl9yMWVxYzhEaDR2amFqSDZqSmFMcFZVcFFDQ0FQZzV6Zm8yS3FvSTN3bXI2RlJkbFFfU3NQQ29XNlY4RmtqTmhyNDBoVQ?oc=5) · kgun9.com
- 2022-08-01 [Pyramid FCU partners with Asa to modernise its member experience - IBS Intelligence](https://news.google.com/rss/articles/CBMipgFBVV95cUxOOEctN0ZxN1Vyel9Qb21nNk84YUcxMzM4Y3V2c2F2V2cwT0ozTUVlck1uaWJvajcyV2RGdEZGcXdnZURMaXJsWDlNcWVqRjBXbUVLOEtWOGhXX1FTaWE3Z3N5N0ZUOHBPQkFBSEpBS0tTTzVyd0Mzd1AzaGQtaExGTW9wZkRuUmFadkR2cTJhUUhQcVBPTndoMXJpOEM2ZGdjYXV5d29R?oc=5) · IBS Intelligence
- 2021-12-25 [After 'troubled' rating, Tucson-based bank marks comeback with top score - Arizona Daily Star](https://news.google.com/rss/articles/CBMikgFBVV95cUxQOE1PYUppLXpaLXRPRE45UWIxQVhoTkl6QlVfMXpJX0x2TDE0dHZvSG4xVElOUjJON1c1WDV1RS11RDhmemhEQWo0QWxLMmVQazJOWmtHLTl0ZjZUc3pKNE8xemV4MFJGSThIYTVMUkFCMWVnbndvVmtYVWJ2dmc2N29wM3dKZEgwdEgzakIwdTB4dw?oc=5) · Arizona Daily Star
- 2018-01-16 [80-year-old man arrested for armed bank robbery in Arizona - ABC30 Fresno](https://news.google.com/rss/articles/CBMilAFBVV95cUxNZDg5aG5rQlNaQnM0WThCNFFBX0RNdXRlcWVmM3dTQXVNbVBEanZCR3RaQVkxc3hOdVJibkNLOFZkeWNUMVBNWjN4eGIxYW81UVp0Z2RvWE1kQzFaV0tiTFRUa2NOc21yQXJKT3JDRmZIWTdXdmFHcDdCaldDOGx6WWpJRTZuR056enFiNVl2V0JyM0hE0gGaAUFVX3lxTE5XOHQtYWQxS1pKc0J6VVZHUjBzZmxBLUN3YjRrLWVIcmh6Y0FWeVpianA0QVphRnV5a1loejRILVloTEpGeVdxSFhRVWNtV2t0dFJlZERoZXpaWU1qczFHVm15amZvMEcxWjJPYU9jNmxZQUxKcTg0VWc3TzNBVnJnNEhEeFlUMUl4ZHlGX1NRRWJVVVBVX1NTNXc?oc=5) · ABC30 Fresno
- 2018-01-14 [Police arrest 80-year-old armed bank robber in Tucson - ABC15 Arizona](https://news.google.com/rss/articles/CBMitAFBVV95cUxQNUxyUE04SlN2R1VHWmRPdHJnTWY5SWNqb3NfcGxuSWVDMXlIUUZIdzdPUENDaU13ZVQ5QlNlNkw3ZlpfNEg1WU5tNlBxRkg4Rk9BNXMxVlhCQUJSWmNfTzMyeVB1VWlIZWVRTGotbmpmMUNIU1VudXB1MURJeVk1WHdQYUQ4bk01VU5Kb0h0cVo0NFJDOWFnYVZsUm91SWhMWTVRR19KSmF4Yzh4cXppWmxTWHg?oc=5) · ABC15 Arizona
- 2019-08-15 [Trial set for 82-year-old charged in bank robbery in Tucson - FOX 10 Phoenix](https://news.google.com/rss/articles/CBMimAFBVV95cUxNaTh3bFlaVlYxNWNPWmlpV25obWI2LWlWLU14c3VkbGVJQVpMWFNlWlpJZElBX01GNnQwQUlvdUlpem9ZWUM2d05Cb3pNcmxGZmdLLU10VnBhNWE4QzNudThZSXJiU0ROa0ZzcHBiaER0bW1OYnVvU19XUTR1MUhxcE0zdzczSkpKalpQLU1ucGhJc0VRRVkwUA?oc=5) · FOX 10 Phoenix
- 2018-01-12 [UPDATE: 80-year-old armed robbery suspect has a checkered past - KOLD](https://news.google.com/rss/articles/CBMilwFBVV95cUxNYWd2ODBMczJXYzR6em1XRGFxTVVvV2JlRDNnV3ljRjk5MlNPOTJ1OUEzd01HNmFieDFuUENwcHBzMlFnb21DUGNxSnNhdk42aE8xX0VwUTc1WEhJejRjWmFyRFoxZ1VoR0hiSlQ2VkR3THZXNW41NlNqaC16bE50ZENJYloteTlZMGdTUnRkNzdtemxjVGlB?oc=5) · KOLD

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24826 (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/58.json (key "24826", 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=24826
- 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