State credit union · Phoenix, Arizona · NCUA charter #68730
Arizona Financial
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $3.79B
- Total assets
- 176,643
- Members
- 11.8%
- Net-worth ratio
Arizona Financial scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.79B; members 176,643; net-worth ratio 11.81%; health rank #259 of 4,374; healthier than 93rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#259 of 4,374 health · 2025Q4Arizona Financial · health 96/100 · $3.79B · 2025Q4
- HEALTH 96/100
- NW 11.8%
- DELQ 0.39%
- ROA 0.76%
- ASSETS $3.79B
- MEM 176,643
- RANK #259/4,374
- PHOTO Grow Financial
- BOOK 68730
Call Report peers
Arizona Financial in the assets neighbourhood
Arizona Financial's $3.79B assets sit next to Grow Financial ($3.79B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Arizona Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Arizona Financial - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68730 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Arizona Financial diverges from peer averages
- Net Worth Ratio leads the peer set - 11.81% here, 11.18% peer average (+0.63 pp).
- Largest lag: Loan-to-Share Ratio at 61.00% vs peer 83.90% (-22.90 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Arizona Financial: in-state Call Report ranks
- Health composite ranks #6 of 33 among scored Arizona credit unions.
- Assets rank #3 of 33 inside Arizona ($3.79B reported).
- Arizona membership ordinal: #5 of 33.
In-state ordinals use the live credit_unions table for AZ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Arizona Financial: 2025Q4 → 2026Q1
Arizona Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $3.79B (2025Q4) to $3.89B (2026Q1).
- Net-worth ratio shifted -0.11 pp (11.92% → 11.81%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.81% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.3 pts
- Loan-to-Share Ratio 12.7 pts
Arizona Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.81% | +0.63 pp |
| Delinquency Rate | 0.39% | -0.48 pp |
| Return on Assets | 0.76% | +0.25 pp |
| Member Growth | 3.61% | - |
| Loan-to-Share Ratio | 61.00% | -22.90 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Arizona Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.89B | - |
| 2025Q4 | $3.79B | 176,643 |
| 2024Q4 | $3.42B | 170,495 |
| 2023Q4 | $3.31B | 165,361 |
Credit Union Details
- Charter Number
- 68730
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Arizona
- City
- Phoenix
- Data Quarter
- 2025Q4
Branch Locations (21)
Per its most recent NCUA branch filing, Arizona Financial runs 21 offices in 13 different cities.
| Office | City |
|---|---|
| Operations Center (Main Office) | Phoenix, AZ |
| Avondale Branch | Avondale, AZ |
| Chandler Germann | Chandler, AZ |
| Chandler Pecos | Chandler, AZ |
| Fort Mohave | Fort Mohave, AZ |
| Gilbert Branch | Gilbert, AZ |
| Glendale Branch | Glendale, AZ |
| Kingman | Kingman, AZ |
| Lake Havasu | Lake Havasu City, AZ |
| Superstition Springs Branch | Mesa, AZ |
| Mesa Dana Park | Mesa, AZ |
| Parker | Parker, AZ |
| Ahwatukee Branch | Phoenix, AZ |
| Deer Valley Branch | Phoenix, AZ |
| 16th Street & Southern Branch | Phoenix, AZ |
| Washington Park Branch | Phoenix, AZ |
| Biltmore | Phoenix, AZ |
| Quartzsite | Quartzsite, AZ |
| Scottsdale Branch | Scottsdale, AZ |
| BHLC - Scottsdale Airpark | Scottsdale, AZ |
| Surprise Branch | Surprise, 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.
Other-state peers near Arizona Financial
Arizona Financial's nationwide photo peers by assets and by health score, excluding Arizona charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.79B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Arizona Financial ranks #259 of 4,374 nationally on financial health and #6 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Vantage West is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Vantage West
- Rates and health both vary by institution, not just by state -- see how Arizona credit unions compare overall before assuming this one is typical. Arizona state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Arizona Financial financially healthy?
A 11.81% net worth ratio and a 0.39% delinquency rate feed into Arizona Financial's financial health score of 96/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #259 of 4,374; by total assets it ranks #133 of 4,374 nationally (same basis as /rankings/largest); and #3 of 33 within Arizona. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Arizona Financial compare to other credit unions?
96/100 is Arizona Financial's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Arizona Financial?
Membership eligibility for Arizona Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Arizona Financial directly for current membership requirements and application steps.
Is my money safe at Arizona Financial?
Federal credit unions like Arizona Financial are 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. Arizona Financial's net worth ratio of 11.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Arizona Financial offer compared to banks?
Credit unions like Arizona Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Arizona Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.