# PIMA
Tucson, AZ · NCUA charter 7316 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pima-7316

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated. 74,422 members of 2,461,668 potential (3.0% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.68B |
| Members | 74,422 (6.9% YoY) |
| Full-time staff | 166 |
| Net worth | $155.8M |
| Net worth ratio | 9.3% (p18 of band) |
| ROA (annualized) | 1.13% (p80 of band) |
| Total delinquency | 0.16% (p5 of band) |
| Net charge-offs (annualized) | 0.46% (p45 of band) |
| Loans / shares | 76% (p24 of band) |
| Cash / assets | 11.5% |
| Borrowings / assets | 0.89% |
| Net interest margin | 3.16% (p40 of band) |
| Operating expense / assets | 2.62% (p20 of band) |
| Vehicles % of loans | 14% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 46% |
| Third-party paper % of net worth | 52% (p24 of band) |
| Vehicle delinquency | 0.29% (p19 of band) |
| Vehicle NCO | 1.97% (p84 of band) |
| Repossessed % of vehicle book | 0.06% (p44 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 331% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 27% |
| Average share balance | $8,247 |
| Participations bought / yr | $0 |
| Participations sold / yr | $54.9M |
| Participations outstanding | $42.1M |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $23,442 |
| Loans granted, annualized | $250.1M |

## Participation posture (from the same filings)

Bought $0 and sold $54.9M in the latest annualized quarter; $42.1M outstanding purchased (27.0% of net worth), $4.2M sold and retained. Sold in 2 and bought in 0 of the last 8 quarters. Shares 34.6% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 | leaning on borrowings |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | charge-offs p90 | leaning on borrowings |
| 2017-06 | 1 |  | auto monoline, charge-offs p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | 3rd-party paper>100% NW |
| 2020-03 | 1 | margin squeeze |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 1 | margin squeeze |  |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | delinquency rising, leaning on borrowings |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | net worth falling |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 1 |  | delinquency rising, net worth falling |
| 2024-09 | 0 |  | leaning on borrowings |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | delinquency rising |  |

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

- 2026-08-24 [Why Cannabis Banking Still Isn’t Easy—and How One Credit Union Is Filling the Gap - Cannabis Now](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQSlU5N2Z6SnVxaWVxMEt4bjNoMEZfcmNuMTJRcEEyZmgyanZCcVA5QnRDaXA1a08yLVJTUDRsMUNReWVEUW9oVVRlMFZOMUdUTWNFQzNmamR2UDZHNnhLV01Bc1RZeU96V1h6YmdrLVd5VXhsaFRLUVRHRTd3QWdCN1Y4SDBDa1BZRHpIcFF3MU1uOFZyQ2tEenIxTFI5NWRlOWY3SWJVZzg?oc=5) · Cannabis Now
- 2024-05-17 [Arizona credit union to acquire bank - Banking Dive](https://news.google.com/rss/articles/CBMisAFBVV95cUxNQzRBdFJGa3NYMmNlYVlVZnk2R2pBd2pVOWNXSDdOZXl2Z1AzaGR5ejkyRVc4OTBHS181N0VtM3V0TlBTMmNTQWo1NzdGSmhLZkh6NXp4ejcxdm5Oc0ZSZDE3UzF5Qld2N0dnRE5hRzFLWWlSZERXdks4Y0pEVHl5b2FubDlCZHlobzA2TUtVVXNKaTk5U2tMd3NLSDY4dktnc2JkOWN2bjlpbW1tU3NsdQ?oc=5) · Banking Dive
- 2026-03-22 [Nanos faces Pima Supes after alleged misstatements; BOS looks to dump Chávez - Tucson Sentinel](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQdFd2Tlh5UU5nbHdQRHoxYjJBSDdIQzZ0anFPSmtfYWZQWUNmNHZBWVJYNnlpNVZDNkM4dW0yM0pjcG5CT1JuNExLRnlha25XR1N6UTc4WTNxTGtzeEtqWGh0NHA4bTNjdmRCdzR3VVQtX1o5RXNWeFdfUTVySHlQekRibkhaeDdFZ2Q0MGs2UmZsNEF1SWhQa0hzY21iRXF1ZEROY1czV25DU3pLZUpaS010cTRfWmZzQUNxQmZRc3VINW9RZ0xxemlITTdoR3lFNkV2Y2loVG05QQ?oc=5) · Tucson Sentinel
- 2026-07-10 [A roundup of new businesses in Sahuarita | Local News - gvnews.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOUDNRZ3RMZk9BTXZzaHJHM1lpSDduQnA4MmxkeGxabDhPeDZIeHAzanU3ZkRySzZwSDU4WjQ5elhWbjBtMGpOUkExVGxxR3V3RFJCSm1LZWEtNlNUUXExeVFtLTYzSkk1SlZfYmdJZGRuYkMwaTF1aVhjT2RuOWFWQ2lRRmJGUFBZaDYwd1E2c0QxWTJBanYwMDlMOUt1blRSTFVKaFNqY19kb1dfNU5hQk1PSDVOUnI5THlOdDV1WnNPQQ?oc=5) · gvnews.com
- 2025-03-19 [Pima Federal Credit Union gains regulatory approval for Republic Bank of Arizona acquisition - ABC15 Arizona](https://news.google.com/rss/articles/CBMixwFBVV95cUxPNnBnUVNZRFNNMTRGb3o0R3N6ZVJFclVzMnh1dlB6cEZ6TDBFUWRKRjByd3dNZGtZTm1INzQtaE1wRHI3WjhxcmFZamw0NEt4eDJEYlFnQUFUUHBNeGZ4YV9taTRuZllzNE9rRHc0ekJ3aUpfcC1xUVhVUXJBZHRQQnNvX1BWcXlMeFBubVU4YVFjcFBRNXgtNTJobUQ0dHc1bTZUTjgxb29UeHVYZ3FKeVExb0pTZ1FGZWtJN2xiVWJyallNbUxj?oc=5) · ABC15 Arizona
- 2025-03-18 [Pima Federal Credit Union gains regulatory approval for Republic Bank of Arizona acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQRUR6dXFPaTg5YXNzTlZSNnhEeEdHZ095X1ZSOEVXZTllVldSNzRTeThiT1hsbkdYdUxqR2JnQTNrcHZ1Z3Y4V3pNNWh0T1EzdXVqOWE0Q2h3SmdaU0FiUWFiYzlaelhTcUNmU1puZVlkQ0FBWGlOZC1BcHNXYkVzbjUtV0RhbjJWNDJ6ZEhWNHVtNmVSaXdkSFd3OWI3ZDZUcHhBNW9UUFZ3Xzg?oc=5) · The Business Journals
- 2026-04-28 [Founder's daughter shares mixed emotions as Pima Council on Aging sells its longtime Tucson building - kgun9.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPQVF5cVNLcVozdkU5aF9SaTNpODlMT1FNSFRBbGhLV3BwTXR0dG9iVmJyd05CNnVaTWpLNXY1dmdOcDBPaDQ1dlMyTlVxdXRUQjVMQ3RTOXdkNERDUlB2T0xaTnlvZldnNlpoY1d3QVY4bHlKM1lndkdZOVc0bjZ5NVh5dE1MMnp0blJLVElSTndrbWN6RldNbWdMTnNPbE5QdTVqODdlUDRtaWV2YzZhRmgxOHFwVk5MMnBqdGZIcGZpalRTbjFmZXduYjB3dUVhMm5PM2l2TFhubGJfSE9WanJvano4aHA4anB6NDRlaUlHZDZhUGEyQXNWZ0ZEYWM?oc=5) · kgun9.com
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7316 (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/20.json (key "7316", 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=7316
- 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