# ALHAMBRA
Phoenix, AZ · NCUA charter 60165 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alhambra-60165

Who the members are: state charter, organized 1956, low-income designated. 4,045 members of 7,000 potential (57.8% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $34.2M |
| Members | 4,045 (0.8% YoY) |
| Full-time staff | 12 |
| Net worth | $3.1M |
| Net worth ratio | 9.0% (p10 of band) |
| ROA (annualized) | -0.02% (p23 of band) |
| Total delinquency | 1.46% (p71 of band) |
| Net charge-offs (annualized) | 0.80% (p82 of band) |
| Loans / shares | 69% (p66 of band) |
| Cash / assets | 33.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.04% (p87 of band) |
| Operating expense / assets | 6.64% (p93 of band) |
| Vehicles % of loans | 63% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 43% |
| Third-party paper % of net worth | 186% (p99 of band) |
| Vehicle delinquency | 1.80% (p77 of band) |
| Vehicle NCO | 0.20% (p75 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 21% |
| Average share balance | $3,888 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $10,974 |
| Loans granted, annualized | $6.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 5 | thin capital, members leaving |  |
| 2017-06 | 7 | delinquency rising, 3rd-party paper>100% NW |  |
| 2017-09 | 6 | delinquency 2x band | net worth falling, thin capital |
| 2017-12 | 6 | repo signal | delinquency rising |
| 2018-03 | 6 | thin capital, delinquency rising | members leaving, repo signal |
| 2018-06 | 4 |  | thin capital, delinquency rising |
| 2018-09 | 4 | repo signal | delinquency 2x band |
| 2018-12 | 4 | leaning on borrowings | repo signal |
| 2019-03 | 5 | delinquency 2x band, assets shrinking | leaning on borrowings |
| 2019-06 | 3 |  | delinquency 2x band, assets shrinking |
| 2019-09 | 4 | delinquency 2x band |  |
| 2019-12 | 5 | delinquency rising |  |
| 2020-03 | 4 | net worth falling | delinquency 2x band, delinquency rising |
| 2020-06 | 4 |  |  |
| 2020-09 | 6 | thin capital, margin squeeze |  |
| 2020-12 | 5 | delinquency 2x band | net worth falling, thin capital |
| 2021-03 | 5 | thin capital | delinquency 2x band |
| 2021-06 | 6 | net worth falling |  |
| 2021-09 | 5 |  | net worth falling |
| 2021-12 | 6 | delinquency 2x band |  |
| 2022-03 | 4 |  | margin squeeze, delinquency 2x band |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | delinquency 2x band |  |
| 2022-12 | 7 | repo signal, members leaving |  |
| 2023-03 | 7 | delinquency rising | repo signal |
| 2023-06 | 5 | assets shrinking | thin capital, delinquency 2x band, delinquency rising |
| 2023-09 | 7 | delinquency 2x band, delinquency rising |  |
| 2023-12 | 4 |  | members leaving, delinquency 2x band, delinquency rising |
| 2024-03 | 5 | losing money |  |
| 2024-06 | 4 |  | losing money |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | assets shrinking |
| 2025-03 | 6 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2025-06 | 6 |  |  |
| 2025-09 | 5 |  | net worth falling |
| 2025-12 | 4 |  | delinquency rising |
| 2026-03 | 6 | net worth falling, losing money |  |

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

- 2018-08-03 [The list: Largest Phoenix-Area credit unions - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxNZGY3cTBSY0ZkRHNQRndhOXB2azZWZHZ2Y1Y5a2p2c1FrVXNmQkZOWlg2VTJQUkFBOHhXZXg4U0JCRFJ4Nk1RSkkxcUVrM2FWTUJtQjJqVmZ3WU8zT2g2NFo4QThCakZMSUdNUTIwRXBobFB4U245ZWRFVTV4aTlPd3hQbFBmV0REVmZfbzhEMy1VUkJLQ2czd1pZeUpEeEkzbWc?oc=5) · The Business Journals
- 2026-06-16 [Phoenix Mercury adopt local high school basketball team - AZ Family](https://news.google.com/rss/articles/CBMilwFBVV95cUxNWmJaQWFmcjllblFoLWVtQmVXX0lpLXExYjcxUHdUb0RMVmJJNGZEQVZHaUlET3QzcExRNkNqVDBxTkJGaDg3QU8xUlo3VzN1Um1QTXRBb2RySjlyd0RNQ1ZQb09ONHdveWtaMllWdU9hNjFtMFI2SUNpbFVIVGRuT1l6dERFZjVTVDM5TzduQkg5MXdIVVFJ0gGrAUFVX3lxTE1PR3A5aFFQeGVYdk5qTllaVEo5TWkyMnNvdDVDTGI5eE5keWpIbU9vLXBsc01RUlVQck4yRTNJMUNiSUtJTkZqaG1NekgtMnNLcWV3aHh5YXJZYTRwN1ctQ3lsMnhDVXh1bGx2TWtTenh3Q3RMMmFRYWdtY0VEY1oyQ1pFZlFuaU8ySWtyclh1VDlZSURxRlo0bjhPRS1YblR1TmlYb093d1VIMA?oc=5) · AZ Family
- 2013-08-22 [Lois Hollander Obituary - Glendale, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNZGxQQXpUUzQydi1DcFoxT1lUZXdXejNHb29ITmZtaDNMa2g2alRnQTdiWU9IYlItVjA5Tl8tbVdneV9KNEJySFlXT2I4aVZzWnMyMFpwa3ctcFlRellxLXcyM3N0VWpyLUVUc1RvNlVPY05SV0R2ak1TNVBBaTJ0d0tZaw?oc=5) · Dignity Memorial
- 2020-12-15 [Billye J. Simmons Celebrated for Dedication to the Field of Real Estate - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPSUNTOHNERktncVZuMWRsZ3JjLW1TUlhzenZscXJYNGRsR0lfa1pCVk9hZlRkZVpSNmJBamIwUU02TnZEZGVZVGFESUZtT245UEtVUmMycGhhRTlvUUEtaHl4RHhUZWNrRlpWT3Ytdmphak1xZkFUc2JwQmdzUGpBa0tVblNvdU9qV0k2Nmt2WmtYQ0lKMFpPQVprWlp4MDZFWVBtdS1ic3p6bDducUNRUk94cGMzLV91M2hNMk9JWTdzZw?oc=5) · 24-7 Press Release Newswire
- 2015-04-24 [Jacob Villela Obituary (2015) - Phoenix, AZ - The Arizona Republic - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQTWlTNFFON1RUZjhBT0VBbG41YkFZa0pGVlktd25DQmQ0YmxKYzlGOVQzMnI1ekxHZkZrUTV1QmE3dWRGTTJZWndnMUJMNUE5NG9UTUVtVzJ1ZXAyQnJ2emxINTByWDNhUVNqS3BydXl1MmF5RUtSUUl2dC1ucENEWVhtUm1vMnZyS3NDRE1yMA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60165 (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/5.json (key "60165", 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=60165
- 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