Federal credit union · YUMA, Arizona · NCUA charter #4915
Avenir Financial
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $393.6M
- Total assets
- 32,998
- Members
- 14.7%
- Net-worth ratio
Avenir Financial scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $393.6M; members 32,998; net-worth ratio 14.66%; health rank #3,399 of 4,374; healthier than 21st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,399 of 4,374 health · 2025Q4Avenir Financial · health 73/100 · $393.6M · 2025Q4
Call Report peers
Avenir Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Avenir Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Avenir Financial sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Avenir Financial
- Largest favorable gap: Loan-to-Share Ratio at 97.47% vs peer 72.20% (+25.27 pp).
- Delinquency Rate trails the peer set - 1.48% here, 0.89% peer average (+0.58 pp).
Where Avenir Financial sits in Arizona
- In Arizona, health place is #27 of 33 on the same NCUA-ratio sort used nationally.
- By total assets, Avenir Financial is #15 of 33 in Arizona.
- Arizona membership ordinal: #15 of 33.
- One place up in Arizona, ALHAMBRA (#26) scores 78/100, 5 points higher; one place down, Copper State (#28) ties at 73/100.
How Avenir Financial's 5300 filing moved
Avenir Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $393.6M (2025Q4) to $395.0M (2026Q1).
- Net-worth ratio shifted +0.09 pp (14.57% → 14.66%).
14.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Avenir Financial gives up 27 points in total. Member Growth costs the most, 10.3 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.4 pts
- Return on Assets 10.3 pts
- Member Growth 4.7 pts
- Loan-to-Share Ratio 11.6 pts
Call Report ratios for Avenir Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.66% | +2.55 pp |
| Delinquency Rate | 1.48% | +0.58 pp |
| Return on Assets | 0.19% | -0.43 pp |
| Member Growth | -2.40% | - |
| Loan-to-Share Ratio | 97.47% | +25.27 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Avenir Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $395.0M | - |
| 2025Q4 | $393.6M | 32,998 |
| 2024Q4 | $365.8M | 33,811 |
| 2023Q4 | $389.8M | 33,062 |
Credit Union Details
- Charter Number
- 4915
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Arizona
- City
- YUMA
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Avenir Financial runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| AVENIR FINANCIAL FEDERAL CREDIT UNION (Main Office) | YUMA, AZ |
| San Luis | San Luis, AZ |
| Somerton Office | Somerton, AZ |
| Foothills Office | YUMA, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arizona
More federally-insured credit unions based in Arizona, ordered by peer group match and asset size.
Cross-state Call Report peers for Avenir Financial
Similar total assets
Using this data
- Avenir Financial ranks #3,399 of 4,374 nationally on financial health and #27 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- American Southwest is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with American Southwest
Frequently Asked Questions
Is Avenir Financial financially healthy?
Avenir Financial has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,399 of 4,374 nationally on health and #27 of 33 in Arizona. Its net worth ratio is 14.66% and its delinquency rate 1.48%.
How does Avenir Financial compare to other credit unions?
Avenir Financial scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (97.47% vs 72.20%). Its widest shortfall is delinquency rate (1.48% vs 0.89%).
How can I join Avenir Financial?
Avenir Financial 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 Avenir Financial directly for the exact boundaries and application steps.
Is my money safe at Avenir Financial?
Avenir Financial 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. Avenir Financial's net worth ratio of 14.66% 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.