# TUCSON OLD PUEBLO
Tucson, AZ · NCUA charter 66116 · asset band $200-500M · latest filing 2024-12 · stopped filing after 2024-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/tucson-old-pueblo-66116

Who the members are: state charter, organized 1935, low-income designated. 17,005 members of 1,063,162 potential (1.6% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 50.

**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 | $211.2M |
| Members | 17,005 (-2.9% YoY) |
| Full-time staff | 49 |
| Net worth | $14.5M |
| Net worth ratio | 6.9% (p1 of band) |
| ROA (annualized) | 0.12% (p17 of band) |
| Total delinquency | 0.49% (p33 of band) |
| Net charge-offs (annualized) | 0.70% (p77 of band) |
| Loans / shares | 69% (p32 of band) |
| Cash / assets | 11.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.45% (p61 of band) |
| Operating expense / assets | 3.96% (p68 of band) |
| Vehicles % of loans | 21% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 70% |
| Third-party paper % of net worth | 505% (p99 of band) |
| Vehicle delinquency | 0.58% (p44 of band) |
| Vehicle NCO | 1.48% (p86 of band) |
| Repossessed % of vehicle book | 0.12% (p76 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 181% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 18% |
| Average share balance | $6,605 |
| Participations bought / yr | $0 |
| Participations sold / yr | $569,348 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $16,426 |
| Loans granted, annualized | $15.3M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **delinquency rising** (`aq_dq_rising`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | capital below 7% |  |
| 2017-06 | 5 | net worth falling |  |
| 2017-09 | 2 |  | capital below 7%, net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | charge-offs p90 |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 2 |  | losing money, net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | delinquency rising |  |
| 2022-03 | 4 | net worth falling |  |
| 2022-06 | 2 |  | delinquency rising, net worth falling |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 8 | capital below 7%, net worth falling, charge-offs p90, leaning on borrowings |  |
| 2023-03 | 7 | losing money | delinquency rising, charge-offs p90 |
| 2023-06 | 8 | delinquency rising, charge-offs p90 | net worth falling |
| 2023-09 | 7 | members leaving | leaning on borrowings, delinquency rising |
| 2023-12 | 8 | assets shrinking |  |
| 2024-03 | 6 | delinquency rising, loan book shrinking | capital below 7%, losing money, charge-offs p90 |
| 2024-06 | 7 | capital below 7% | delinquency rising |
| 2024-09 | 7 | net worth falling | assets shrinking |
| 2024-12 | 6 | delinquency rising | members leaving, net worth falling |

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

- 2025-07-09 [Credit union mergers spark debate over Tucson’s financial future - tucsonlocalmedia.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNTDBRby1OMC1sbzFzaGdIRlR4d08zNmdoTjlxTmFLNTNDSzBLcTF1ZGl4R0JZbVBldnhsZ1BYR09aeUFfYkdjaDFYQTVoZTZSaVVIcGZTYVhhRTFjTEFUN3VtYU9pV0xVNkRQdnFyUVVTWE9VZmxqYUtRZlpsV090UTF0RXFlN3BxdmFZWHZuaUgzZzZPVXl2LVNzQnZPeEFQUnFscGwya251THhLRmxQUzBQejk3YkFxaHpQOUxxNVNGWlhrODFrRzdPZ0xWTDNlZ3BocWZBODdBYmxJdzBIMG82Y09lZFp5WTJGTE1LZHhSRC1NQjJ2bXB3?oc=5) · tucsonlocalmedia.com
- 2025-07-11 [Scaling Local: Tucson Credit Unions Navigate Growth, Identity, and Scrutiny Amid Mergers - Real Estate Daily News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNb3E3bTJPRE43OHlxVFhGYVpxVl9tbTF1c1ZaR2JVT0gzYk1mNHFDb3lzQlRicnFhVzRSNFNsbnRPRVMtb2pXNVFWN3J0dWJKX2F4VkVLNWUzczNUSWJkQlB0aGVCQ1ZrbnNvdVBtUkh0YUxqTENRVDloNzUzTzdteUNVNjN4Zi1CSFdDUW55dmhValJRN04tR3FlS3JIQ3QxSENRaTZVYmhOLVNJTjNVNUsyczNUZ1hOTmxZ?oc=5) · Real Estate Daily News
- 2025-02-05 [Idaho credit union expands with acquisition in Arizona - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPNnYzbURMZi01Q0doZm1zVkNaNGVxWlJ0S1FCMjN3dVFHWVNiUzRGTER4aDhfcXdyck9jbEJVREw2UmhYVHozMzFrNHMzNkRhaXppdkxqSmRWN0g0ZElvZW9jQk0yODQ4c3ZYTTNSeTVJOUpqYjY2TmJtWTcyY25lQkMzWWU3SE9uelRJT3hVaFpicnFpUjMyMzJlUXktSHQ0OUhJ?oc=5) · The Business Journals
- 2025-01-31 [Idaho Central Credit Union rebranding, merging with another credit union - BoiseDev](https://news.google.com/rss/articles/CBMirgFBVV95cUxOdkZ3Z0t6cmg2Q25EOVBTa19nbkNYRnNiN0hLU1ZZN01idTNwMXFCcjRYNnlZM2xhZHNCbFBJaTlGQTdhZTU0TUhxalFWS2dfVGlyN1hvZU5TNnhoOWVxZmtSVGY2cFlic2RmcG53VU1zcWlIQjNaRS1XSmFqSFVyRHJKMThRVS1OVEJKVW1WbGNmWnhSTUQ3NVpuN2VibmdjX1g5Wm90cGVRUHdCMkE?oc=5) · BoiseDev
- 2022-08-03 [N4T INVESTIGATORS: Dozens left paying for unfinished solar jobs that lender fully funded - kvoa.com](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNVEVPUEZDclN1cDFsS2NHSXJYR290ZVQzWkdDYjgtYS1ObnJVbTlwMjMtaC1XcW5CZm01d1VqTy1XNGJ6M0hhOGV1Y2FYVW5pVl9fOWVKVE85OWYzSjY4dWhHQkJQVUtNellJazRaVUp1NHhCSjFmOFl6Vk1kSUwxR3BDSUJPSXk3LTNDVFJra1NrOGRkVWh6N19yMWg4Zl9odFRwYmxGSVBxdFMxVXBCRzBWV2RoUWNSUUFXQnFselBMMHF6VlpiYUgxUnZMcVY5aHpJNG9YUi1ELVpyeXRaek92Vnk0QlJIOGRtNm5ySFFkaWg1amc?oc=5) · kvoa.com
- 2025-02-04 [Idaho’s ‘Green Team’ acquires Arizona-based credit union - Idaho Business Review](https://news.google.com/rss/articles/CBMijgFBVV95cUxOeDhqM1k1empDQkRlak5BN00zVUtHcTBxcnNzWktaUHIxTnJYd2RpZGdfZ3c3b25sRmtWekZhQ1VpblJEMGdvZmVmZk9GV2hGbG81UWRJMkZJWlg1WU5XZmUtNlVGZU1meFhnU2J6RXJmZW9pakNfb2xOQUdJVXg5dU9iTnhFQ0UyQjcwS0d3?oc=5) · Idaho Business Review
- 2024-08-02 [Tucson solar installer arrested on criminal bank fraud charges - Arizona Daily Star](https://news.google.com/rss/articles/CBMikgFBVV95cUxOQU0xeDljTlRNN2pFT1RNSWtENVpfX0x6VS1oa1pXVE0tdWtqXzJ1MFd1eFZUSTVydjdRRjBoa21SNzVldjhzMTB0cVhEX3g3ejZRRXJ2ZzdhUUswM01OUm15WXJZSW5uSDFPZkJkcFBheUs5MWtfYkhUVWFVaU03SFY0U1UxZ1dhT3dpbWUyUE83Zw?oc=5) · Arizona Daily Star
- 2025-08-07 [ICCU explains prolonged online outage - BoiseDev](https://news.google.com/rss/articles/CBMie0FVX3lxTE5WcXk2dUd0SEUyVjBBeXlHcFdabHRBZnZJNS1Ib296WWFrU25fbGNIckdHUDA2R1Y0c0M3b1pJdUNrd0lsMkhaeVF1LTJkNUY5WVFCVkZmZGFDWVRVZDdkejRaTzlqNjZwVndoN3hfM3hUMGliYy1wSEt4bw?oc=5) · BoiseDev

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66116 (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/4.json (key "66116", 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=66116
- 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