# AVENIR FINANCIAL
YUMA, AZ · NCUA charter 4915 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/avenir-financial-4915

Who the members are: federal charter, multiple common bond, organized 1942, low-income designated, minority depository institution. 33,293 members of 1,999,095 potential (1.7% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 32.

**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 | $395.0M |
| Members | 33,293 (-2.3% YoY) |
| Full-time staff | 90 |
| Net worth | $57.9M |
| Net worth ratio | 14.7% (p87 of band) |
| ROA (annualized) | 0.55% (p39 of band) |
| Total delinquency | 0.34% (p25 of band) |
| Net charge-offs (annualized) | 0.55% (p67 of band) |
| Loans / shares | 94% (p94 of band) |
| Cash / assets | 2.3% |
| Borrowings / assets | 16.08% |
| Net interest margin | 3.56% (p50 of band) |
| Operating expense / assets | 4.72% (p89 of band) |
| Vehicles % of loans | 25% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 32% |
| Third-party paper % of net worth | 44% (p39 of band) |
| Vehicle delinquency | 0.62% (p54 of band) |
| Vehicle NCO | 1.97% (p90 of band) |
| Repossessed % of vehicle book | 0.13% (p77 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 265% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 29% |
| Average share balance | $6,264 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $45.8M |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $27,200 |
| Loans granted, annualized | $97.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $45.8M outstanding purchased (79.0% of net worth), $385,171 sold and retained. Sold in 1 and bought in 0 of the last 8 quarters. Shares 5.0% year over year.

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | expense trap |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 6 | delinquency rising, members leaving, leaning on borrowings |  |
| 2017-06 | 5 |  | leaning on borrowings |
| 2017-09 | 4 |  | delinquency rising |
| 2017-12 | 3 |  | members leaving |
| 2018-03 | 2 |  | expense trap |
| 2018-06 | 3 | expense trap |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | thin capital |
| 2019-03 | 1 |  | expense trap |
| 2019-06 | 1 |  |  |
| 2019-09 | 4 | expense trap, delinquency 2x band, delinquency rising |  |
| 2019-12 | 4 | loan book shrinking | expense trap |
| 2020-03 | 5 | margin squeeze |  |
| 2020-06 | 6 | thin capital, net worth falling | delinquency rising |
| 2020-09 | 4 |  | thin capital, net worth falling |
| 2020-12 | 4 | thin capital | loan book shrinking |
| 2021-03 | 4 | net worth falling | delinquency 2x band |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 1 |  | 3rd-party paper>100% NW, net worth falling |
| 2021-12 | 0 |  | thin capital |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | leaning on borrowings |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | net worth falling |  |
| 2023-09 | 2 | delinquency rising | net worth falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | delinquency 2x band |  |
| 2024-06 | 4 | assets shrinking |  |
| 2024-09 | 3 |  | assets shrinking |
| 2024-12 | 4 | assets shrinking |  |
| 2025-03 | 3 |  | delinquency rising |
| 2025-06 | 2 |  | assets shrinking |
| 2025-09 | 3 | loans>95% of shares |  |
| 2025-12 | 6 | net worth falling, losing money, charge-offs p90 |  |
| 2026-03 | 1 |  | delinquency 2x band, loans>95% of shares, net worth falling, losing money, charge-offs p90 |

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

- 2025-06-05 [Avenir Financial’s Acquisition Of Mission Bank Stands Out As Rare ‘Merger of Equals’ In Credit Union/Bank Deals - cutoday.info](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNbVhURzVhb3g2dmVoNzlJSE8teGt5Tlc1T2J5NlNsZE1uTnNFX3V2cTFQVC1GS3BPRy1BWVp5bFFsOXVYVnl6czJaVDd1R3NhLWJEeU90Wl8xTk9NaTV4YmEyVUxhaGtpVUFWR1hNdVQ0bXdlVDBNNklXRllnVFpUUG14RW5MUkVMWFQzMmZwbGdMMC1yaVFlZnIwZHdiZ2NOZDVRbmlZREdIZ3VsOWRJWGl0SVEyTE01b2hjZ0EwODRvZ0FicWVKQ2F6NE9Fa1hRLTFTTGQ3NkJacXN6bTFn?oc=5) · cutoday.info
- 2024-05-29 [Avenir Financial welcomes new Senior Commercial Loan Officer - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxOcF9zRjRPNzhoVm9jY0NPZUtPRlJXVEZuUUlaSnNBdWxiOGZKdWlNamNyWHhtb2g1Umhlbk5wYVdpSG5ZQkhjSVdob2tQWVVpckdRdm05cTBOMVJPRlNtREtrZGphZmhsSDdxUldsZzdDTnJqcnltOXNzYTlrTE1aOWJESGlNMGZ2ODlELXdONEFoUjNFZGhJZVEtbHBXalR4OVkw?oc=5) · CUInsight
- 2025-07-09 [Credit union mergers spark debate over Tucson’s financial future - tucsonlocalmedia.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNTDBRby1OMC1sbzFzaGdIRlR4d08zNmdoTjlxTmFLNTNDSzBLcTF1ZGl4R0JZbVBldnhsZ1BYR09aeUFfYkdjaDFYQTVoZTZSaVVIcGZTYVhhRTFjTEFUN3VtYU9pV0xVNkRQdnFyUVVTWE9VZmxqYUtRZlpsV090UTF0RXFlN3BxdmFZWHZuaUgzZzZPVXl2LVNzQnZPeEFQUnFscGwya251THhLRmxQUzBQejk3YkFxaHpQOUxxNVNGWlhrODFrRzdPZ0xWTDNlZ3BocWZBODdBYmxJdzBIMG82Y09lZFp5WTJGTE1LZHhSRC1NQjJ2bXB3?oc=5) · tucsonlocalmedia.com
- 2025-08-05 [Yes, credit unions are buying more banks - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxNMGlqZE1neUZndlVlY0plSVl5SGpvYlpITERxdFczd3RCajUwQU5Nd0w1NG9GZXFLOUUyNlNPR0RyZEhlMzdyd3JhS2p2ZllpRUtUMUU4aUFTbWtDWTJNVEJpN1AtNVM3ZU9EemdOSXA5MDd3WHM1QmJqTldmQ2psWmlYQ3FlMW11V0NCNUNTTWpXQQ?oc=5) · American Banker
- 2025-07-11 [Scaling Local: Tucson Credit Unions Navigate Growth, Identity, and Scrutiny Amid Mergers - Real Estate Daily News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNb3E3bTJPRE43OHlxVFhGYVpxVl9tbTF1c1ZaR2JVT0gzYk1mNHFDb3lzQlRicnFhVzRSNFNsbnRPRVMtb2pXNVFWN3J0dWJKX2F4VkVLNWUzczNUSWJkQlB0aGVCQ1ZrbnNvdVBtUkh0YUxqTENRVDloNzUzTzdteUNVNjN4Zi1CSFdDUW55dmhValJRN04tR3FlS3JIQ3QxSENRaTZVYmhOLVNJTjNVNUsyczNUZ1hOTmxZ?oc=5) · Real Estate Daily News
- 2025-10-14 [Mission Bank transition to Avenir Financial expected to be complete by June 2026 - kdminer.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQSlo0N2Q2OV92eWRxN3FRcDVBb3lyYlVOd0htdjVobWpKVG1CSlg0MDZzZUNpSXBlbVJVU3hEWWVDRkFaZ2VGWjdycDE3M2Ntc1hvY21xMDVQdnJzWHJHWVN5aWFMU1JPcHZUeHA5NVJjN3lMWjN5djJFV2ZqMXJoT3d2VTk3aWZZakswOEQyOUtWSlFWTk44c2ZMOVhwSUhLcnhaWFhncmZWbWtibW14RFJuSlU3SnlVeHdwSmNYT0V6WThseF9VWVFZQlZyY3gwQTh6Y0JGNURSY29qR3RCQzJWVlFaUk9iWU4xM0t4WEs?oc=5) · kdminer.com
- 2024-04-01 [Natural Delights Names Hector Altamira as New CEO - abasto.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQcGszbWNJY0JKdUN6ZU1pdVdEU2tkNFhROGl3SDZOSXBZNlM5RXVtaFE0SmViajZ0Yk5uN1V4QUhmd2NYSlBGV2NGMFE0dTUyeWJCN2VCcU4zVFNRYU1LcEhsZndKQzlvZElmSnNmUngxWFMzQTM2SXdYVTdtQmg1c3p1SXQ2Qlc3UUxyOXpJNEd6VmJZVUR6UmRR?oc=5) · abasto.com
- 2024-03-28 [Natural Delights names new CEO - bluebookservices.com](https://news.google.com/rss/articles/CBMickFVX3lxTE1Nem1IVHRQcE1maEl5MEZ2WWRqcFNpWlZrSnNZZlBuTWJOUFpxbHgwVFFMb1gzTkNSTUYzM0c2Y0Rwcl9TMExzVW9ueW5VaTkyWm52ZHZ2MktlOHpESy1BN1RQTjhpdVRkSVNNRWNZNklxdw?oc=5) · bluebookservices.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4915 (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/51.json (key "4915", 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=4915
- 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