# AZURA
Topeka, KS · NCUA charter 61823 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/azura-61823

Who the members are: state charter, organized 1956. 59,571 members of 2,500,000 potential (2.4% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $851.9M |
| Members | 59,571 (-5.6% YoY) |
| Full-time staff | 185 |
| Net worth | $86.3M |
| Net worth ratio | 10.1% (p45 of band) |
| ROA (annualized) | 0.48% (p38 of band) |
| Total delinquency | 0.84% (p68 of band) |
| Net charge-offs (annualized) | 0.96% (p85 of band) |
| Loans / shares | 77% (p38 of band) |
| Cash / assets | 11.3% |
| Borrowings / assets | 1.21% |
| Net interest margin | 3.86% (p76 of band) |
| Operating expense / assets | 4.10% (p76 of band) |
| Vehicles % of loans | 57% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 73% |
| Third-party paper % of net worth | 282% (p88 of band) |
| Vehicle delinquency | 0.99% (p77 of band) |
| Vehicle NCO | 1.45% (p73 of band) |
| Repossessed % of vehicle book | 0.18% (p79 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 28% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 31% |
| Average share balance | $6,298 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $22.3M |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $14,248 |
| Loans granted, annualized | $205.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $22.3M outstanding purchased (25.9% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 4.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2026-05-14 [City of Topeka teams with Azura Credit Union for ‘Money Moves Pop-Up’ program - WIBW](https://news.google.com/rss/articles/CBMiowFBVV95cUxQM0o3SkU4REdOdnBzQk9kQ3pudzBvdDVqMnVyUjRKaHlGb2JpdXdfdXJueHR4YTFUQWpFbUdldHFCRjdHeUIwYkhPSXZjVEw3NDViWFNBTkg4UEgwa1VRY2dEWGZsOVhvY2Q2VDl6RWxCZ1MtZFQzV1J2M0tJQUdlZkZiU0FkakloaWlNc05fRE1jbnlnRDR2elZLWnhsTTBFOFdz0gG3AUFVX3lxTE90blYwT2pwcVRHZ3habFhfc2JlbnZKeWRkdEZibGZSRVQyUHNISFh4QWlFbXRrUnloVElTQWF3WmViSktmSDJZbXV6QnM3R3RDdUVlNFpnOFdyQmFNQ2xJU0NsWlZLWG05WWdPY3VFYVB1OVFjWGpKMFZHN3c1UUN6VUpzVmRSN256SXZCaXU3YVhSLUtDdjRISjBVUWdwbVN4ODRQVi1NVnpfWE9JOHNpcVZLSU92Yw?oc=5) · WIBW
- 2025-11-20 [Kansas credit unions launch campaign to ‘Fight the Fraud’ - WIBW](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPdEMtSEFpRXhGXzd4Y1ZEazlKajZqMDE1RnZZX0JsRXlxLXJfN3BmRGI1a0ZwT28zRWRLTTByck1iVDF1bDQycDFRZm5DREhBbVpVUnVYZ3U5UWhIWFU5cERrdUVWM2ludVZ3OFllZTVuZjc2a0J6aElRTk5mY1RRaG42Qlo2TjVM0gGcAUFVX3lxTE9tQm5QblBwU1Awa1c3NWFSdmNJSDhWS2FGbFBYYkxsRnVpR2VVRkdMVFlidWViRVNBamdGRXZqUlRQNVM1ZUE4N0hueFhEZDNEbktNcmt6OThMWFFvZTRiWjRFd2VGZGtXMk1wQVVERkhFbHI4blRseS0tWVJJTm5xZmJyZEJmbWV2Z1B4NDQ4YU55SEprUEFhQXJNRw?oc=5) · WIBW
- 2026-05-27 [Check out these free family fun events this summer in Topeka - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNM3JsdXVWX2dMWW13c2hVaHdUaks3OW5XRUZNM3FURTNZa2dFeEZZd096SHdMOFJLUjJ5QXRZNzEwdkFmc3lzU1NfNExseEhaSG50LVBXQ29vY091SzZpZEVJVXB2b01TdEJFbjZvTjdCY3I5Z1VvTHB2VS1rNzZ3Zzl0RmtsTVlrSTNoQ0pvcVl4NC1wOUFpUzNqZ1lvcDZ4dnJ5SnJ2b2lIREo5a19fTXJiWXJjcGNl?oc=5) · The Topeka Capital-Journal
- 2020-08-26 [Two Topeka CUs Plan 'Merger Of Equals' Under Azura CU Name - American Banker](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPOW9JZ1c5bF9GSTlWSlVBaG5FOXYwQUlSekY0RnpLbnRPR3dJSDNmV0xGeE1CeXZNWlh6TVU4R2RjQzR4SWR3SW8xejZfVk1MMzE5WDJDNEUxWGphLVVxTzFJNmNfUEs1X0o4V2ljdWc4MUEzTmNmdjBJTTNjdlVPYW5naEpjX3hsTGtyZkhVdllaSG9iRUVwWlA0SFVXN25leEwzMjdkODA?oc=5) · American Banker
- 2021-12-10 [Azura Credit Union pitches new park space in north Olathe - FOX4KC.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQdXpDcWxnNDFKUVFTMEVSVUJaTWZpT3d0LVB3aC1GYlFJTzJZekQwOHlFSmZ6NTBkMkkxdTBneElzVEtVSzladk1wMjZFQnMxUVFLR1VKdHNBejVHblZiT2pNdl9BaE5lLVhGUHBvMXV0WVJzcWRqQ2xsXzI3d3NoSVlvUWdGZW1QYlHSAY8BQVVfeXFMTTM3bkc2RTk0QVlIbGYzLXpOeEpFTjFRRS1vdWNuczRnOVp2TTBBOGl0OFVBU3BHbDR1M2x4TmNfN1Zpa1E4cGZqYmJabXhoUnZRSXFjOGlTSXA4Qi1GcHZ4XzN1WEMxd254VzFVUGFzMFItNnU5YUVGb0laQUxRUEgwUGNYNkpTNVZUdExIdDQ?oc=5) · FOX4KC.com
- 2023-06-22 [Wichita bank, credit union grab Forbes' 'best in state' honors - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOV0ZuaERETzRsR2llZXJVcmNrY1JrT216OTBUQTh0a1huTVl6MllXRnA0aFRqdG9QRXJSa3laTDkyVWtsdXVZUFEzajRqN3phdGhFUGRkT0hhRVJHWm9STHBaNi1SdkdFNWlkbWxWNlRKakZsVEFtTDhGX3VhTEZGZTR0UjBTa2ltcmN5NzB6b09MRlIxWFM4eVJTNF9yQlJQRUtZ?oc=5) · The Business Journals
- 2026-08-26 [Tyler A. Mueller Obituary Aug 20, 2026 - Dove Cremations & Funerals](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5zaGcwUXF5SkcydE9CREtleURiVGFFeEU1bTBYVFhMZWo4NkllS2d4RWlQaEVEWE12dGZMZGZabGdoa0FWanJjbF9YaUM0ZEh3dXNtODFFR0FaYWxIOFY3Mw?oc=5) · Dove Cremations & Funerals
- 2021-05-04 [Sandstone Amphitheater rebranding (yet again) as Azura Amphitheater - Kansas City Pitch](https://news.google.com/rss/articles/CBMimAFBVV95cUxOYjJFVzk0RjBxWW9EczVlWHN6NTlIcDY0Z1ZuOGhZaGphT1FqZkNWSEgya0p1WmFTb0M3QU9BR3U0bEN0OHR4QkRHVlNqWDdab0t1WnFLSU41Y3h2UWxtR2ZFYWNabkdYT1JRaUVKZTYyRWpVcXJaTnNEb2dVNC1fSjhDUUdLLVhmNjZqQ3ZlMzFJa3Y5SlBlbg?oc=5) · Kansas City Pitch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61823 (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/63.json (key "61823", 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=61823
- 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