# ONEAZ
Phoenix, AZ · NCUA charter 61315 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/oneaz-61315

Who the members are: state charter, organized 1972, low-income designated. 237,714 members of 6,946,872 potential (3.4% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.49B |
| Members | 237,714 (15.6% YoY) |
| Full-time staff | 544 |
| Net worth | $430.2M |
| Net worth ratio | 9.6% (p23 of band) |
| ROA (annualized) | 1.29% (p86 of band) |
| Total delinquency | 0.55% (p43 of band) |
| Net charge-offs (annualized) | 0.40% (p35 of band) |
| Loans / shares | 76% (p25 of band) |
| Cash / assets | 10.0% |
| Borrowings / assets | 3.24% |
| Net interest margin | 3.61% (p70 of band) |
| Operating expense / assets | 3.09% (p43 of band) |
| Vehicles % of loans | 23% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 33% |
| Third-party paper % of net worth | 54% (p25 of band) |
| Vehicle delinquency | 0.37% (p24 of band) |
| Vehicle NCO | 1.58% (p76 of band) |
| Repossessed % of vehicle book | 0.05% (p42 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 196% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 6% |
| Average share balance | $8,001 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $103.7M |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $39,082 |
| Loans granted, annualized | $997.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $103.7M outstanding purchased (24.1% of net worth), $18.5M sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 25.5% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-09-04 [OneAZ Credit Union opens new Peoria branch - AZ Big Media](https://news.google.com/rss/articles/CBMigAFBVV95cUxOR2hWbXpYb1JUOHBObGJhZEtoMm9pRWZTNDVCMTQ1VXN5RzBaUURVbkJvWDFYMTRhZHE2bHU1RG45dHRNZ2hXNDFBd2l3amJveEJKZmlMUXRWdm00QU9xb2thQVljZm4yZXVHWUZIYjhFSFFNUWxNODZ1M0ZVaDQxRg?oc=5) · AZ Big Media
- 2026-08-17 [OneAZ Credit Union Begins 75-Day Countdown to 75 Years of Serving Arizona - PR Newswire](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNaFpUUWdxbFRRQmxHWlZnZ1Eyei1MT2k3dm5YRC1LV01SUk9vTFl1ZC1SLVRCUVlEUDFCX2Y3QVJ4eWpGZXVPb0RKOWZVUS1HY1l3ZEdrdFZyTDV6a0NCS1d1Zy1YaEVlQ0lnTU55SWhjR1ZmTkVYcldKYzFBTVJEZ3VhN1ppb0ZBYWFmNXVTWkhGek1waG9QSU9fNjhlUEdOOHJhV1ZWZmxtWUcyUjZ5cVVvTTFlSkhiem92RG5DMEhOamtLTFhBUQ?oc=5) · PR Newswire
- 2026-07-29 [OneAZ Credit Union continues to invest in the community - azdailysun.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxQUHhzVm41R1p1TTE2bTJKUmRjNUY0RFAtMWozWVlkZHBIRzZOb1ozcGczYWVwRXFuOEctQndfQ3hjNGM5WU8tdnlIVUlLVi1WR2cyRnFoSUNxVF9UX29ITGVyZUdRcFlWRHpkSGZxLWtZZ29waEpjczl4M3RtRUQtTEo1a3RoYlRMaXZFcjNvZkpnWEZQcWtfakFHU01LYnB4Z1J3bTZiaDJjdTB0UmNhZzExNkEzZUFMSGJYYjZNT2ZQaDg5ZjZn?oc=5) · azdailysun.com
- 2025-11-10 [OneAZ Credit Union receives final approval to acquire 1st Bank Yuma - CUInsight](https://news.google.com/rss/articles/CBMirAFBVV95cUxQdjFnOEpud0lUanZrV1pHM2VjT0RMZnZxYmZoODBlZTY0V0o0TGxaVUs3RmNobTdValNnTG5MeVRHR3Q4UEphM3dhTjE3YVRhZ3FFWXlJLTFWTVhwLW9PZUtuUmxtNWJoM2RfRFRXX2JJSkw4SG5URFRuVUZIZkNkRTZFc3VrUmtUNlJFWHNNNnd4ZnBOMjhQQ0lNZkdMV0oxcGg4M1hEYXJOLW1L?oc=5) · CUInsight
- 2026-01-13 [OneAZ Credit Union names permanent CEO as it prepares to absorb Yuma bank - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOX3lMb0xUSHRnMThCTWhEVHV5TVNtc0JLRUVhWTVqejJFa05zRHY2UjlzR3JKNzhYa0RBYndFS1pHa3Y1YXUzMkFXOGE5TUhwb3dkb291SDhTN3RVM3l2dW42bkRSdVJEeW9qZjRQWHMyVFhTcHROOUZtNWVwZUE0SjdiU2o2Qmw1MHpsSEZmV2N1LUhscEJVVU1rZUlwdVIxdEE?oc=5) · The Business Journals
- 2026-04-10 [OneAZ Credit Union Launches 75th Anniversary Celebration with $750,000 in Legacy Grants to Arizona Nonprofits - Yahoo Finance](https://news.google.com/rss/articles/CBMingFBVV95cUxOTFJKTTYzQW9tQXg0dk1sOFJwcnd2bWdsdlVTUGgzTDNNbms2bXJ3VjN2TF94blhyR2FSaDNpLW14OTRXYnVnaW9VcFJ0NzU1RTF0V3U0Y1AtelN5MkFtWDZCWFRrV0xVOUVXZEpBcFduMTZ3VjZ3ekZaMHY3Z3d1aU92aEI0NHVFZVVoX2NqNVdTd3FadGl5UTBuSVZGQQ?oc=5) · Yahoo Finance
- 2025-12-03 [OneAZ Credit Union breaks ground on new branches in Peoria and Surprise - Arizona Digital Free Press](https://news.google.com/rss/articles/CBMirAFBVV95cUxQdC1YX2dWN2NMcGw2UE5oMVg5aGpmM0Q0WUZ5WmxyWGhLQWg5bXY0Tm5Eb0t6MGJWM1NiOFBMaE0yVGVNMlpKTi1sUVh1c25lRExtUlN0Tkl3b2Z2NDh5ZlI2aUV4MWNmMUcyeXJzekwxV1FTa1ppS1V2el90UTNzUXlPMEhGdmZQbW1lWlY0Z3V5dk9NaWN2SEs0TlUwa2ZjRmdPZ3B4ZEx6TXdT?oc=5) · Arizona Digital Free Press
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61315 (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/3.json (key "61315", 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=61315
- 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