Federal credit union · Glendale, Arizona · NCUA charter #12164
AERO
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $345.9M
- Total assets
- 23,735
- Members
- 11.7%
- Net-worth ratio
AERO scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $345.9M; members 23,735; net-worth ratio 11.73%; health rank #261 of 4,374; healthier than 93rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#261 of 4,374 health · 2025Q4AERO · health 96/100 · $345.9M · 2025Q4
Call Report peers
AERO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AERO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); AERO sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for AERO
- Largest favorable gap: Loan-to-Share Ratio at 88.43% vs peer 72.20% (+16.23 pp).
- Largest lag: Net Worth Ratio at 11.73% vs peer 12.11% (-0.38 pp).
AERO in Arizona
- Arizona health ordinal: #7 of 33.
- Arizona assets place: #16 of 33.
- Member book place in Arizona: #17 of 33.
- One place up in Arizona, Arizona Financial (#6) ties at 96/100; one place down, EM (#8) scores 94/100, 2 points lower.
How AERO's 5300 filing moved
AERO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $345.9M (2025Q4) to $360.9M (2026Q1).
- Net-worth ratio shifted -0.22 pp (11.95% → 11.73%).
This credit union's 11.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
AERO gives up 4 points in total. Member Growth costs the most, 4.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.73% | -0.38 pp |
| Delinquency Rate | 0.16% | -0.73 pp |
| Return on Assets | 0.67% | +0.05 pp |
| Member Growth | 1.31% | - |
| Loan-to-Share Ratio | 88.43% | +16.23 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
AERO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $360.9M | - |
| 2025Q4 | $345.9M | 23,735 |
| 2024Q4 | $320.6M | 23,429 |
| 2023Q4 | $307.5M | 22,978 |
Credit Union Details
- Charter Number
- 12164
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Arizona
- City
- Glendale
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for AERO, spread across 3 cities.
| Office | City |
|---|---|
| Talavi Corporate Office (Main Office) | Glendale, AZ |
| Arrowhead Branch | Glendale, AZ |
| Satellite Office | Glendale, AZ |
| Beardsley Branch | Glendale, AZ |
| Deer Valley Branch | Phoenix, AZ |
| Engines and Systems Branch | Phoenix, AZ |
| Sky Harbor Branch | Phoenix, AZ |
| Tempe Branch | Tempe, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arizona
Other federally-insured credit unions in Arizona, closest first by peer group and asset size.
Cross-state Call Report peers for AERO
Using this data
- AERO ranks #261 of 4,374 nationally on financial health and #7 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pinal County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pinal County
Frequently Asked Questions
Is AERO financially healthy?
On its 2025Q4 NCUA 5300 filing, AERO scores 96/100 (Excellent), with a 11.73% net worth ratio and 0.16% of loans delinquent. It ranks #261 of 4,374 nationally on health and #7 of 33 in Arizona.
How does AERO compare to other credit unions?
AERO scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (88.43% vs 72.20%). Its widest shortfall is net worth ratio (11.73% vs 12.11%).
How can I join AERO?
AERO operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact AERO directly for the exact boundaries and application steps.
Is my money safe at AERO?
AERO is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. AERO's net worth ratio of 11.73% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.