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
- ROA 73/100
- ASSETS 14.7%
- MEM 1.48%
- RANK 0.19%
- PHOTO $393.6M
- BOOK 32,998
- CHARTER #3,399/4,374
- NCUSIF Singing River
- CAMELS 4915
Call Report peers
Avenir Financial in the assets neighbourhood
Avenir Financial's $393.6M assets sit next to Singing River ($393.6M) 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.
Avenir 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
73 21st percentile higher than 21% 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
Avenir Financial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #4915: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for AZ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Avenir Financial's 5300 filing moved
Avenir Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $393.6M (2025Q4) to $395.0M (2026Q1).
- Net-worth ratio shifted +0.09 pp (14.57% → 14.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for Avenir Financial - kept outside Arizona; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($393.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
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
- 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 Avenir Financial financially healthy?
A 14.66% net worth ratio and a 1.48% delinquency rate feed into Avenir Financial's financial health score of 73/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,399 of 4,374; by total assets it ranks #877 of 4,374 nationally (same basis as /rankings/largest); and #15 of 33 within Arizona. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Avenir Financial compare to other credit unions?
PlainCU's health composite puts Avenir Financial at 73/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Avenir 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. Avenir Financial's net worth ratio of 14.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Avenir Financial offer compared to banks?
Credit unions like Avenir 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 Avenir 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.