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
Call Report peers
Arizona Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Arizona Financial 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
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).
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.
- One place up in Arizona, Winslow Santa Fe (#5) ties at 96/100; one place down, AERO (#7) ties at 96/100.
Arizona Financial: 2025Q4 → 2026Q1
Arizona Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $3.79B (2025Q4) to $3.89B (2026Q1).
- Net-worth ratio shifted -0.11 pp (11.92% → 11.81%).
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
Arizona Financial gives up 4 points in total. Loan-to-Share Ratio costs the most, 2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Arizona Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Arizona Financial scores 96/100 (Excellent), with a 11.81% net worth ratio and 0.39% of loans delinquent. It ranks #259 of 4,374 nationally on health and #6 of 33 in Arizona.
How does Arizona Financial compare to other credit unions?
Arizona Financial scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (11.81% vs 11.18%). Its widest shortfall is loan-to-share ratio (61.00% vs 83.90%).
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?
Arizona Financial is a state-chartered 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. Arizona Financial's net worth ratio of 11.81% 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.