Federal credit union · Phoenix, Arizona · NCUA charter #11680
BANNER
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $64.8M
- Total assets
- 6,751
- Members
- 13.1%
- Net-worth ratio
BANNER scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $64.8M; members 6,751; net-worth ratio 13.09%; health rank #2,269 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,269 of 4,374 health · 2025Q4BANNER · health 83/100 · $64.8M · 2025Q4
Call Report peers
BANNER in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BANNER vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BANNER sits in 80-84 with 767 others.
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
BANNER vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.36 pp (0.60% vs 0.96%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -18.97 pp (43.63% vs 62.60%).
BANNER in Arizona
- In Arizona, health place is #21 of 33 on the same NCUA-ratio sort used nationally.
- By total assets, BANNER is #23 of 33 in Arizona.
- Membership ranks #22 of 33 among Arizona CUs with a reported count (6,751 members).
- One place up in Arizona, First American (#20) ties at 83/100; one place down, TUCSON (#22) scores 80/100, 3 points lower.
BANNER Call Report trajectory
BANNER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $64.8M (2025Q4) to $65.4M (2026Q1).
- Net-worth ratio shifted -0.06 pp (13.15% → 13.09%).
At 13.09%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
BANNER gives up 17 points in total. Member Growth costs the most, 10.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.2 pts
- Loan-to-Share Ratio 9.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.09% | -0.53 pp |
| Delinquency Rate | 0.60% | -0.36 pp |
| Return on Assets | 0.54% | -0.11 pp |
| Member Growth | -2.65% | - |
| Loan-to-Share Ratio | 43.63% | -18.97 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
BANNER filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $65.4M | - |
| 2025Q4 | $64.8M | 6,751 |
| 2024Q4 | $63.7M | 6,935 |
| 2023Q4 | $67.4M | 7,536 |
Credit Union Details
- Charter Number
- 11680
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Arizona
- City
- Phoenix
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for BANNER, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Phoenix, AZ |
| Banner Thunderbird Office | Glendale, AZ |
| Banner Desert Office | Mesa, AZ |
| Banner Mesa Corporate Office | Mesa, AZ |
| Banner West Tower Office | Phoenix, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arizona
A look at other Arizona credit unions, ranked by how closely their peer group and asset size match this one.
BANNER nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- BANNER ranks #2,269 of 4,374 nationally on financial health and #21 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mohave Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mohave Community
Frequently Asked Questions
Is BANNER financially healthy?
BANNER has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,269 of 4,374 nationally on health and #21 of 33 in Arizona. Its net worth ratio is 13.09% and its delinquency rate 0.60%.
How does BANNER compare to other credit unions?
BANNER scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.60% vs 0.96%). Its widest shortfall is loan-to-share ratio (43.63% vs 62.60%).
How can I join BANNER?
BANNER 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 BANNER directly for the exact boundaries and application steps.
Is my money safe at BANNER?
BANNER 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. BANNER's net worth ratio of 13.09% 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.