# FIRST AMERICAN
Casa Grande, AZ · NCUA charter 64412 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-american-64412

Who the members are: state charter, organized 1962, low-income designated. 11,841 members of 607,499 potential (1.9% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $111.8M |
| Members | 11,841 (-13.7% YoY) |
| Full-time staff | 29 |
| Net worth | $14.9M |
| Net worth ratio | 13.3% (p70 of band) |
| ROA (annualized) | 0.88% (p62 of band) |
| Total delinquency | 0.35% (p27 of band) |
| Net charge-offs (annualized) | 0.93% (p88 of band) |
| Loans / shares | 56% (p26 of band) |
| Cash / assets | 45.0% |
| Borrowings / assets | 1.24% |
| Net interest margin | 4.01% (p72 of band) |
| Operating expense / assets | 4.91% (p86 of band) |
| Vehicles % of loans | 70% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 81% |
| Third-party paper % of net worth | 209% (p86 of band) |
| Vehicle delinquency | 0.28% (p28 of band) |
| Vehicle NCO | 1.10% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 10% |
| Average share balance | $4,651 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.3M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $8,063 |
| Loans granted, annualized | $10.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.3M outstanding purchased (8.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -3.5% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 7 | thin capital, losing money, expense trap, delinquency 2x band, charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 7 |  |  |
| 2016-09 | 8 | repo signal |  |
| 2016-12 | 8 |  |  |
| 2017-03 | 10 | assets shrinking, members leaving, loan book shrinking | repo signal |
| 2017-06 | 8 |  | delinquency 2x band, loan book shrinking |
| 2017-09 | 9 | loan book shrinking |  |
| 2017-12 | 9 | delinquency 2x band | loan book shrinking |
| 2018-03 | 10 | net worth falling, delinquency rising | 3rd-party paper>100% NW |
| 2018-06 | 9 | 3rd-party paper>100% NW | net worth falling, delinquency rising |
| 2018-09 | 10 | delinquency rising |  |
| 2018-12 | 10 | loan book shrinking | delinquency rising |
| 2019-03 | 11 | repo signal |  |
| 2019-06 | 9 |  | losing money, repo signal |
| 2019-09 | 8 |  | delinquency 2x band |
| 2019-12 | 8 | margin squeeze | assets shrinking |
| 2020-03 | 8 | net worth falling | auto monoline |
| 2020-06 | 9 | capital below 7% | charge-offs p90 |
| 2020-09 | 6 |  | net worth falling, capital below 7% |
| 2020-12 | 8 | capital below 7%, delinquency 2x band | expense trap |
| 2021-03 | 6 | net worth falling | members leaving, loan book shrinking, delinquency 2x band |
| 2021-06 | 6 | auto monoline | net worth falling |
| 2021-09 | 7 | members leaving |  |
| 2021-12 | 6 |  | margin squeeze |
| 2022-03 | 9 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2022-06 | 7 |  | members leaving, net worth falling |
| 2022-09 | 4 |  | capital below 7%, delinquency 2x band |
| 2022-12 | 3 |  | delinquency rising |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | thin capital |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 5 | delinquency rising, assets shrinking, loan book shrinking |  |
| 2025-03 | 4 |  | delinquency rising |
| 2025-06 | 5 | members leaving |  |
| 2025-09 | 5 | delinquency rising | assets shrinking |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |

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

- 2020-11-18 [Native American-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMifkFVX3lxTE9MQVNiajFseGo2LW5UQVNLbzVEbHdCM1Jlekl3TDI0MnZuTWNuRDhMc1h6Nnc1STA4NU1jUnlFLXJ4NEs4Nm5pdG05UC1JYUhZRVljcnl0a1YyWUVnZzhQNkRSOXU2TVQwTmJRbWwwOUNkQ01EOE9SaDBzNTR1dw?oc=5) · Investopedia
- 2021-05-19 [Rhonda Notah Obituary - Casa Grande, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNcmloNkt5V18zSklDYUFxNTFselptaWk5Vm9HaEtSRGJqTXp6YkF0V1RmNmVnRlc5VU8tWUtjLUt0bkRjcXc2eG5vejMyN0hQYmdJbXdDRlhUMlF1UV9aRENLTzgzczdVdlRwcENZVk5Sd29ZaG1fYUZ2ZmIxVWVhTVdrWl95UQ?oc=5) · Dignity Memorial
- 2024-06-11 [James "Jim" Orrin Shipe Obituary - The Arizona Republic - azcentral.com and The Arizona Republic](https://news.google.com/rss/articles/CBMiXEFVX3lxTE5uLTVPZUREcWw1NE9xOFV1Q205aGlGckNURUJvZVMwaXZiMFFjeldRYzdLWUhrQjU4N19NZHd4d1d4NnlUbEl4d0xrSzJtS3YxcEZXWlpDcXBMTllR?oc=5) · azcentral.com and The Arizona Republic
- 2026-06-04 [Motionless In White Announce Fall 2026 North American Tour Dates Featuring Dayseeker, The Devil Wears Prada... - mxdwn Music](https://news.google.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?oc=5) · mxdwn Music
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2025-05-04 [Oliver Avalos Obituary - Casa Grande, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPdVZHVmxST2JtZEVyYTg5Vk1fSURrX3AwRHd5T21LQnlWLU1tNUhIMW9mMHJwai15Tjdxc3ZjSnNwTWE5cFFlbkVBZkdBS18zd25CR0pkUUdmOWtQUzNTQlNBWUtKUXVHbG0yV2VEQzZZLTZWNC1abDRFQ1pXb2RoWFdWNGMteUE?oc=5) · Dignity Memorial
- 2011-04-07 [John Pryor Obituary (2011) - Casa Grande, AZ - J. Warren Funeral Services Cole & Maud The Gardens Chapel - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNSV9kTnZTNXJpNFdKLUpiVGxIXzliZkVwcWl1Yk1BakdpSVItNlpaemxDb1pGQXdEZC1SLXBQbm9lMUZ6UDA5R2FWQ1lyaEg4b2FtbEl0LW4wNG8wSGNuREFzcG40R2EzRGJ1VkFCQURfYzh4bTF0ZTdyczlXWWJHcw?oc=5) · legacy.com
- 2010-12-13 [Dennis Voigt Obituary - Casa Grande, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNTHF4UVdiZGhQVTYyem9Xc1BXSVJlZjI4ZktFenJxZGpCQ2lIVFp4M0xGTjc5eDdLNl9VNXF1RGg0bi1RMXFaQkkzeTdLb0x2Q0RydFltblgzRDBLYUJuMWY5dGxUSDhiNHlGQTFCVC0zY05MOGNtNkxEaGQ5VHhna0V3UU9Jdw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64412 (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/28.json (key "64412", 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=64412
- 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