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
- MEM 83/100
- RANK 13.1%
- PHOTO 0.60%
- BOOK 0.54%
- CHARTER $64.8M
- NCUSIF 6,751
- CAMELS #2,269/4,374
- HEALTH Superior Credit Union
- NW 11680
Call Report peers
BANNER in the assets neighbourhood
BANNER's $64.8M assets sit next to Superior Credit Union ($64.8M) 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.
BANNER 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
BANNER - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #11680, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for AZ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
BANNER Call Report trajectory
BANNER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $64.8M (2025Q4) to $65.4M (2026Q1).
- Net-worth ratio shifted -0.06 pp (13.15% → 13.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for BANNER - kept outside Arizona; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($64.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- 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 BANNER financially healthy?
BANNER has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,269 of 4,374; by total assets it ranks #2,198 of 4,374 nationally (same basis as /rankings/largest); and #23 of 33 within Arizona. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.09% and delinquency rate of 0.60%.
How does BANNER compare to other credit unions?
PlainCU's health composite puts BANNER at 83/100, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like BANNER 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. BANNER's net worth ratio of 13.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BANNER offer compared to banks?
Credit unions like BANNER 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 BANNER 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.