State credit union · Topeka, Kansas · NCUA charter #61823
AZURA
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $830.3M
- Total assets
- 60,228
- Members
- 10.1%
- Net-worth ratio
AZURA scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $830.3M; members 60,228; net-worth ratio 10.12%; health rank #2,314 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,314 of 4,374 health · 2025Q4AZURA · health 83/100 · $830.3M · 2025Q4
- DELQ 83/100
- ROA 10.1%
- ASSETS 0.79%
- MEM 0.44%
- RANK $830.3M
- PHOTO 60,228
- BOOK #2,314/4,374
- CHARTER Corporate America Family
- NCUSIF 61823
Call Report peers
AZURA in the assets neighbourhood
AZURA's $830.3M assets sit next to Corporate America Family ($829.8M) 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.
AZURA 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
83 46th percentile higher than 46% 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
AZURA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #61823, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for AZURA
- Largest favorable gap: Delinquency Rate at 0.79% vs peer 0.87% (-0.08 pp).
- Largest lag: Loan-to-Share Ratio at 80.58% vs peer 83.90% (-3.32 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Kansas standing for AZURA
- Kansas health ordinal: #31 of 61.
- Assets rank #4 of 61 inside Kansas ($830.3M reported).
- Kansas membership ordinal: #4 of 61.
In-state ordinals use the live credit_unions table for KS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
AZURA Call Report trajectory
AZURA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $830.3M (2025Q4) to $851.9M (2026Q1).
- Net-worth ratio shifted -0.14 pp (10.26% → 10.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.12% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 14.1 pts
- Member Growth 1.5 pts
- Loan-to-Share Ratio 15.3 pts
AZURA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.12% | -1.06 pp |
| Delinquency Rate | 0.79% | -0.08 pp |
| Return on Assets | 0.44% | -0.06 pp |
| Member Growth | -4.16% | - |
| Loan-to-Share Ratio | 80.58% | -3.32 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $851.9M | - |
| 2025Q4 | $830.3M | 60,228 |
| 2024Q4 | $808.5M | 62,844 |
| 2023Q4 | $784.3M | 62,615 |
Credit Union Details
- Charter Number
- 61823
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Kansas
- City
- Topeka
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, AZURA runs 12 offices in 5 different cities.
| Office | City |
|---|---|
| 10th Street Office (Main Office) | Topeka, KS |
| Lenexa | Lenexa, KS |
| Mission | Mission, KS |
| Olathe | Olathe, KS |
| Ottawa | Ottawa, KS |
| Highway 24 | Topeka, KS |
| Croco | Topeka, KS |
| Wanamaker | Topeka, KS |
| 37th Street | Topeka, KS |
| Arrowhead | Topeka, KS |
| Hunters Ridge | Topeka, KS |
| Kansas Ave | Topeka, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
A look at other Kansas credit unions, ranked by how closely their peer group and asset size match this one.
AZURA nationwide neighbourhoods
Two NCUA Call Report peer sets for AZURA, both outside Kansas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($830.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- AZURA ranks #2,314 of 4,374 nationally on financial health and #31 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HEARTLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HEARTLAND
- Rates and health both vary by institution, not just by state -- see how Kansas credit unions compare overall before assuming this one is typical. Kansas 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 AZURA financially healthy?
AZURA scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,314 of 4,374; by total assets it ranks #539 of 4,374 nationally (same basis as /rankings/largest); and #4 of 61 within Kansas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.12% net worth ratio and a 0.79% delinquency rate.
How does AZURA compare to other credit unions?
AZURA scores 83/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 AZURA?
Membership eligibility for AZURA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact AZURA directly for current membership requirements and application steps.
Is my money safe at AZURA?
Federal credit unions like AZURA 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. AZURA's net worth ratio of 10.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does AZURA offer compared to banks?
Credit unions like AZURA 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 AZURA 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.