# MARISOL
Phoenix, AZ · NCUA charter 9469 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/marisol-9469

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated, minority depository institution. 5,980 members of 500,000 potential (1.2% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *quiet fade*. 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 | $50.1M |
| Members | 5,980 (-4.2% YoY) |
| Full-time staff | 17 |
| Net worth | $6.8M |
| Net worth ratio | 13.5% (p57 of band) |
| ROA (annualized) | 0.33% (p31 of band) |
| Total delinquency | 0.28% (p27 of band) |
| Net charge-offs (annualized) | 0.80% (p83 of band) |
| Loans / shares | 65% (p58 of band) |
| Cash / assets | 35.0% |
| Borrowings / assets | 2.00% |
| Net interest margin | 4.23% (p80 of band) |
| Operating expense / assets | 4.97% (p88 of band) |
| Vehicles % of loans | 27% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 1% (p55 of band) |
| Vehicle delinquency | 0.34% (p35 of band) |
| Vehicle NCO | 0.65% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 10% |
| Average share balance | $4,520 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $10,299 |
| Loans granted, annualized | $7.2M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | delinquency rising | expense trap |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | expense trap, delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | delinquency rising | expense trap |
| 2019-06 | 2 | expense trap |  |
| 2019-09 | 1 |  | expense trap |
| 2019-12 | 2 | expense trap |  |
| 2020-03 | 0 |  | delinquency rising, expense trap |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | net worth falling |  |
| 2021-09 | 0 |  | margin squeeze, net worth falling |
| 2021-12 | 1 | delinquency rising |  |
| 2022-03 | 0 |  | delinquency rising |
| 2022-06 | 3 | delinquency rising, members leaving, loan book shrinking |  |
| 2022-09 | 3 | charge-offs p90 | loan book shrinking |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 | delinquency rising, assets shrinking | members leaving, charge-offs p90 |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | members leaving |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 | net worth falling | assets shrinking, members leaving |
| 2025-09 | 0 |  | net worth falling |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 1 | members leaving | delinquency rising |

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

- 2017-11-13 [Consumer advocates: New protections on high-interest, short-term loans take ‘first step’ - Cronkite News](https://news.google.com/rss/articles/CBMikwFBVV95cUxPelNUMWVOOF83SGxzUmJRMGc4MW9qOTA1Ym1JMWZLVTFvODJ3SFZseFoyZEZLYnVjbWNtZnhyVGoyU1ZwSWZXc2RwU3VyYVlFUEMwT2NuM0c0X0sxZXNKN0ZZV1N5ZVd6SWtldldYck9UcUxfUUFBc3hPcE5fYW0yWTY0Y1U0TkNLbEl4YjByOG5QcFk?oc=5) · Cronkite News
- 2018-11-08 [A Complete Guide to the 2018 Grand Avenue Festival in Phoenix - Phoenix New Times](https://news.google.com/rss/articles/CBMitwFBVV95cUxPTHFld2VNdUdYdDY0c0VldW5DMXFfSVkxV0M3Wm1IZUp6QzZPOS0yeEM1dGtqWHE2Sk9qRThLaEhKcjJCcVNLaDZydUVhZDFadWxnS2NlNlBtVnRBZkdDa2Job2NsTlQ3SlJDYUVZRGViVUd3akt0R2ZEbDh4Y2JMVkxfUUlEengydG9VWnNySXJtbWJ3ZlM0TEc2d0hUSHNTc0E0d2Q0T0FwazZ6SHFtYlNiOUpoVWs?oc=5) · Phoenix New Times
- 2026-02-11 [Greater Arizona Development Authority Welcomes Jessi Pederson as New Director - The Gila Herald](https://news.google.com/rss/articles/CBMiowFBVV95cUxOR3hCUl83N1BTMFVqT2VRdXFVMUdpVUcyN2VpcmVTV3VnUlotczItM0NnSldGVEQ0c3lsXzFlMTJXU2pyTENDQVpCWkNVaGxDSXIwVmt0d3dpUXozTGs3eC1tUlpuSlBHN21DTGVlSzd4SnpkTUVFRWVMdkgzdXNSQ240MVE2b3M0cGdpSEdfUjgtbW9vei1XMy1XNVpVNnZmTUhj?oc=5) · The Gila Herald
- 2022-05-20 [Jimmy "Jim" Richard Vigil Obituary (2022) - Phoenix, AZ - Lowmans Arizona Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFBwVmtTbUUxaGdIOFNJRWdpRWViRWt4dXg0VHRidGY4WlBBTFhsY0tPdk1ucWFkZEVhWHV4QW5XeGtwV0xobVd5dEFuSFIzVkYzVWNFUkpBUkV2VDBjLXZhN0x5Y3Y1SjBJX25yM3dnd3VUaHR1UGtuMG9Va3ZjWFk?oc=5) · legacy.com
- 2026-01-24 [Sheila Mattox Obituary (2026) - Phoenix, AZ - Best Funeral Services Phoenix - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPTHJTZmJWXzdncEJpemtmbjk1VkxXSUpnWkp5MjVlSXVrQWk4OUMycXlwWHdpN2wyblFReTNiTWExMDBZSXppOFVYWUp1akNKUVE2S0NZcG9RYy1jR3pvTExhX2w5b2dKdHJXdnZZUVFFZlBleWRSRG5rWkpBbDhYVWF3?oc=5) · legacy.com
- 2019-11-07 [Here’s Your Guide to the Grand Avenue Festival in Phoenix - Phoenix New Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxPWXNMU2RxYWtwaXRUYXR2a28ycjBDZDd0bEZXdXdTRFJuNnY1VG1RekZ1VjVFUjlRNk5nSVplajgwMG53eVBLMHFCOUMxV1NySEh3eEdON0IzY0s2U0U3bjZ0T0N2ZWRLN09xTnZ1VVhTdndNMmZsRU9yelZ4ME9pUlNTVmJPZDlsNFE?oc=5) · Phoenix New Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9469 (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/61.json (key "9469", 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=9469
- 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