# LANDINGS
TEMPE, AZ · NCUA charter 62937 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/landings-62937

Who the members are: state charter, organized 1953. 15,054 members of 75,000 potential (20.1% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $264.2M |
| Members | 15,054 (-1.2% YoY) |
| Full-time staff | 50 |
| Net worth | $27.7M |
| Net worth ratio | 10.5% (p38 of band) |
| ROA (annualized) | 1.04% (p74 of band) |
| Total delinquency | 1.34% (p89 of band) |
| Net charge-offs (annualized) | 0.48% (p61 of band) |
| Loans / shares | 62% (p25 of band) |
| Cash / assets | 17.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.83% (p70 of band) |
| Operating expense / assets | 3.52% (p43 of band) |
| Vehicles % of loans | 64% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 273% (p90 of band) |
| Vehicle delinquency | 0.81% (p67 of band) |
| Vehicle NCO | 0.85% (p62 of band) |
| Repossessed % of vehicle book | 0.08% (p68 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 19% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 25% |
| Average share balance | $7,415 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $759,142 |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $14,859 |
| Loans granted, annualized | $52.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $759,142 outstanding purchased (2.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.7% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  | repo signal |
| 2016-09 | 5 | net worth falling, delinquency 2x band, repo signal |  |
| 2016-12 | 4 |  | repo signal |
| 2017-03 | 3 |  | delinquency 2x band |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | thin capital |
| 2019-03 | 2 | thin capital |  |
| 2019-06 | 1 |  | thin capital |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 4 | thin capital, margin squeeze |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 4 | auto monoline | net worth falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | net worth falling |  |
| 2022-03 | 7 | capital below 7% |  |
| 2022-06 | 3 |  | margin squeeze, net worth falling, capital below 7% |
| 2022-09 | 4 | delinquency rising |  |
| 2022-12 | 3 |  | delinquency rising |
| 2023-03 | 5 | delinquency rising, assets shrinking |  |
| 2023-06 | 3 |  | delinquency rising, assets shrinking |
| 2023-09 | 3 | assets shrinking | thin capital |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 3 |  | delinquency rising |
| 2024-06 | 4 | delinquency rising, loan book shrinking | assets shrinking |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 |  | loan book shrinking |
| 2025-06 | 2 |  | delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | delinquency 2x band, delinquency rising |  |

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

- 2024-08-28 [Best Credit Unions to Work For with $200M to $500M of assets in 2024 - American Banker](https://news.google.com/rss/articles/CBMitgFBVV95cUxNbEtld0dKUUJzT0ZJbmV0MmRVVVNzTFAweHZiUXhkTnctWmtmNU8tUHJwSnFSNWp3MGZUdXNRV1ZzLWI4SDZIbmEtOFU3ZkNjUi16UUtRSy10ODQ1QkszYzAwTHZlNFRQQVV1ZkdRdnhIVHpoaUdWUTZFdUd6Sm1aM1U5NERkZ3Y2b1lwLVpWOXBJZ1NudVpSbWZubVl3RVEzZTNkaXJtZlN0UjZxZUhZTDlhY19Ydw?oc=5) · American Banker
- 2022-03-19 [Mountain West Credit Union Association announces new board, annual award winners - CUInsight](https://news.google.com/rss/articles/CBMivAFBVV95cUxNOVFFNExyeFJoaHFOWUI0a09GZnNYejFBQW9VZVRTWlVETEotT0lZSW5XeGVmR1AyZDI1ejdtekJybWM0UU5tQ1lQek9QUjVPSmFPcEVaTlpmanNMbkxCc21fZk0zTjFOY1FVcThCRTgzVTFSRHZXRktGbG9VX21UbkJaUVNQVmFWSGpXWjlZWWdNNTdqS3YtS3h1MFpKNEE5VG15MEhHZHd1UnZ2TGtDM0EwOXBwdUZPYWpnUQ?oc=5) · CUInsight
- 2024-10-14 [Arizona credit unions celebrate 2nd Annual Credit Union Week - AZ Big Media](https://news.google.com/rss/articles/CBMimAFBVV95cUxPdTNVbWh4UUdkX1R3b09QUkNPOGJhN2E0eFd6ZlN6WHRWVm4yZjJhcUJXVGVMSWN2N2tNN0N6aE5Kd0NwZTQ0Tm5Oci1rODhGVktmM2tmeU5sTVFIOG92eFhnOUZIRDVpRG5yaFlpSERWVlRIb3ZmUFpVTjE0SEE2bjZmSXV1TEJrV1RJUVR4VG1tM25GX1h0Yw?oc=5) · AZ Big Media
- 2020-06-29 [Statewide Documentary Spotlights Small Businesses - phoenixmag.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPd0tXallyRzZKWjJBMGFqUE56Vm9MTzUySlpUOGIyR0tDWk1ja3RtYzZvRnVNcHNWQmQtazRBMUJqd2w5RmV1RW5WU25BWkNoVFZvRXdwMk1adGROcENzMzZ2T1FGZWJxRnVsVU93MElfa2tVTGNNQVIzM0x0a2t2RFpBeVRHSzR0c2MzQmtySHNsZw?oc=5) · phoenixmag.com
- 2022-12-11 [Dale Smith Obituary - Phoenix, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE1xTTBoaHA3UmUydno2TGZMWVFPSGtzY2xzXzQyV3Jlc29PenRrWERYR2h5MGtObVd2SVdPSnp6RXR4TzhUd3E5RHRCZUtfWm1vSk5KNXB0Z1ZCYXdnejBfVGktTEpEQ2VCZGZlX2RLWERwdTRzaE1ULVN5UGRMdw?oc=5) · Dignity Memorial
- 2026-03-20 [Ranking Arizona: Top 10 credit unions for 2026 - AZ Big Media](https://news.google.com/rss/articles/CBMioAFBVV95cUxOeWFjalFNMzJPeGs5WjNUenAwX2tCX1h6WmJLSUhyOEZiX0hGLXRNVUZVazhrLWctOUE0enh4OEJ3a1dMUkdJU1hHU0pTNHVqSEVScmMwbk1kWWlQWEIxbU9YNXJaZmNxc2dsdGdNXzFJWWI5MzVKa0VEWDJZMDJDc0ZvaE03X19ZZE5kWUhFS3hEY0E2ZnpxajZ1Y1R5REts?oc=5) · AZ Big Media
- 2025-09-24 [Most Powerful Business Leaders in Arizona for 2025: Brian Lee - AZ Big Media](https://news.google.com/rss/articles/CBMiowFBVV95cUxQaTdURk1pRzgxMTROYllnNlRibkoxcUpXUE1hdDBKN2oyMEdrM0I0VGRfbkljRnNWYlhoWDJhODJPVHhpNU9ZaHVJZUdQcWRVVVRSOTd6TUs1a2FnWEM1bTM5UTVGTnhqeE91X1FDanctUjJpdlZULU4xUFVvNjRJaTFiRmlUd3B4Y0hvNTZMXy1xTzVjaGNSZXBvVzZnaUF4X0lr?oc=5) · AZ Big Media
- 2015-06-22 [William Krahn Obituary - Phoenix, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxPWmNGWUVMTkxteGV6TGhZX3I2ODZZWEYxb0ZaZkFkNFFMdS1XNTFzYWhOR0NCSkZKSXNsMW51aDQwRXhTUTJmRFhlVWEwbjB4UEF1TGlLVk1XMkpXYUF3UlJ1RTlfS1dFWUYtMEVxU0s4S1JjMlZMVzlaaC1DclQ4Nw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62937 (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/25.json (key "62937", 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=62937
- 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