# COCHISE
Willcox, AZ · NCUA charter 60151 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cochise-60151

Who the members are: state charter, organized 1958. 5,840 members of 14,241 potential (41.0% of the field); checking penetration 82% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $76.8M |
| Members | 5,840 (2.3% YoY) |
| Full-time staff | 12 |
| Net worth | $12.8M |
| Net worth ratio | 16.6% (p80 of band) |
| ROA (annualized) | 1.67% (p89 of band) |
| Total delinquency | 1.05% (p73 of band) |
| Net charge-offs (annualized) | 0.27% (p53 of band) |
| Loans / shares | 73% (p73 of band) |
| Cash / assets | 31.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.96% (p67 of band) |
| Operating expense / assets | 2.94% (p29 of band) |
| Vehicles % of loans | 69% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 43% |
| Third-party paper % of net worth | 108% (p86 of band) |
| Vehicle delinquency | 0.65% (p55 of band) |
| Vehicle NCO | 0.28% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 21% |
| Average share balance | $5,228 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $13,954 |
| Loans granted, annualized | $16.7M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | 3rd-party paper>100% NW |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | delinquency rising | 3rd-party paper>100% NW |
| 2020-06 | 2 | 3rd-party paper>100% NW | delinquency rising |
| 2020-09 | 3 | net worth falling, margin squeeze | 3rd-party paper>100% NW |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | 3rd-party paper>100% NW |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 | delinquency rising | margin squeeze |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 | net worth falling | 3rd-party paper>100% NW, delinquency rising |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | delinquency rising, 3rd-party paper>100% NW |  |
| 2023-03 | 4 | delinquency 2x band |  |
| 2023-06 | 3 |  | delinquency 2x band |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 4 | net worth falling, delinquency rising |  |
| 2024-09 | 3 |  | delinquency rising |
| 2024-12 | 2 |  | net worth falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 2 |  | delinquency rising |

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

- 2026-01-08 [Credit Union West becomes the Official Credit Union of Desert Diamond Arena and Westgate Entertainment District - CUInsight](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNY1hUUV9LeHhIS1dYb0xiZDUwbEVOaHpaQjFaMnBuZlp1dnc1MkNPT000bm0xQmM4bHN4R0RRWFVSelVCdTJvWlpsckNSbVZxVko3a3pKSzFFWDJfajRiUEVxN3RIQ1B1Y1BqZXM1UjhkX21tS1N5bEMtdzhsTFZWczBSUVRxSjRnRXpEYV90MkpraFRxeTA4MjBKeF9BekJjQzBzWTRGSDQ4VDdjRFJBVG1lb1B2YW9XQjZfcFZEbjI2T1p3Q3hpRUNRWHRBSW9PQUxuellJMG1tVlNjWHo5U0cxUmFjWVU?oc=5) · CUInsight
- 2026-05-25 [Man shot during gun sale near a Sierra Vista park - kvoa.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxQWEZwU3JWS2hWNTBfcjB6QUw0U3NnZllMSVo3eElOUWFpM0dYZGJrVWZhX0wxZ0RndTFKUTRIdmhzYWd0a2FPUFFWaFJTeTJQRnBqY3FmcUQxQUZVNnJoZTYzXzlZRWJ4dS1vT3dwV2l5OHE2NkZ6bmk5d1pBYUV3S3FHMG5iU2RQVU5qUHdlTTlRMkVUZkpGWVZIcHl5dlEwZy1xTFQ1dnNrT3o2WExDUjJjSmtKdjYtN0ZCQ0JuQTY4a3AtRHRidVVDcw?oc=5) · kvoa.com
- 2026-02-26 [Credit Union West appoints Jeff Lee as Chief Lending Officer - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxNenpMNmZibWZfUUlPcERXUnIzYkJiaEhCdGd1b2Y5b2RoUElGdmZFRzNKXzFoRGpYSmVRZDl5MGpTOUVkdjFubS1KeENJNTBlU2Y0cm9MNjdETkhfblRVUUJGaDdpZGR2bnRSejVDeC0xajBZRnNMZkxOMnRYanUxN05YcFUzdGJRcVRaU1hleUsyWDF1aEJHd3RYNVNyVWxidTdF?oc=5) · CUInsight
- 2026-05-29 [Bee swarm prompts warning from Tombstone Fire Department - kvoa.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxPTFdmbnIyaDRkejVlLVQwWTkwSGI2MVd1S2EtU25VTmEzUE8wR1hyS0pnLU1yY2QwMkppVnNYcUF4NEk3TmpQX2JfTlBpUXptbVpwck1sSmNWalE5M2pwYlVlQld1RUw3clFnaFJEYXpwZ1h4UGVTRU9NOFhubnk5dG96R2l0eF8xVnl2OTd1QVJBSExEUExWMXdVc1ZidTZiLUdDczVpakVPVlp6Y0lNTGRqRzVtWm9odEhPd1pGMkp1Uk1yUWFsaHZ3?oc=5) · kvoa.com
- 2022-09-02 [Police: Southern Arizona football and cheer league cleaned out by treasurer - KOLD](https://news.google.com/rss/articles/CBMipgFBVV95cUxQMWE1bHZISnB5UFdCOU40VlF4ZnV1dWo5dHhoZE8zYUJGbmRyd25BUWU2RGxuYjRWYVdHWGlyR2w2QlVDSjhkM2FhRkdPcV80Y2lxYzkyaVZKV09MRmNjalg0TFRuWW9OT0NGeHJ4NzZralZhc0ZscDRUMnZISE9jSDZMWjM4YmpNbnBYMFoyS193YWM5Y2NvYnNIQnZnVUpPLWdyWE13?oc=5) · KOLD
- 2022-09-08 [Willcox football and cheer league a victim of embezzlement - AZPM](https://news.google.com/rss/articles/CBMikgFBVV95cUxQb1hhS1hzaW4tR3NOSkNuSDc3b2dPRFJrY0hqS0N6cEhRajB0ZkVMdUttRzhzbm1vTWZEeWJuQmo2Q1lrdTRvSkdkZjJnUWxCRENQOVZYSXVzMnpnaVc4T0h6QzZJLXpqSkJqTFFYMllvbjEyUDJodldkWWNTek92d1BhbGd5QTU3MUlRT2F2SDNnZw?oc=5) · AZPM
- 2017-11-22 [Caregivers Convicted of Exploiting 74-Year-Old Vulnerable Adult In Cochise County - Arizona Daily Independent](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPaUNzOUxxaEoyc05JSEs4VWRsSG9GVU9WM2ZCLXFGazJiU3ZnbEpQaFdEUHVFaXNBY1hhOEY5THlBUTllRzN3RTNGRndNaWhSN1NvOFhWQVY5ck1NRTBZbGFQdWZWeTNMclV4NTdkTUhXdE9PNVZlQkZ2Qmx3VURwaHc3UGlxUEVOR1BmZVMyZ28xdElNVWxkRUdTMUEwdGo5RWhEQXFOOW1oYkFJT1lTal9pbHFOVDFwM3E5SFo4MUFlZHdFcG9vSQ?oc=5) · Arizona Daily Independent
- 2023-09-18 [Willcox community holds fundraiser for football player recovering after serious hit - KOLD](https://news.google.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?oc=5) · KOLD

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60151 (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/55.json (key "60151", 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=60151
- 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