State credit union · Willcox, Arizona · NCUA charter #60151
COCHISE
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $73.3M
- Total assets
- 5,789
- Members
- 16.6%
- Net-worth ratio
COCHISE scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.3M; members 5,789; net-worth ratio 16.64%; health rank #897 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#897 of 4,374 health · 2025Q4COCHISE · health 91/100 · $73.3M · 2025Q4
Call Report peers
COCHISE in the assets neighbourhood
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COCHISE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); COCHISE sits in 90-94 with 747 others.
91 Top 23% higher than 77% 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 COCHISE
- Loan-to-Share Ratio leads the peer set - 77.17% here, 62.60% peer average (+14.57 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.12 pp (1.08% vs 0.96%).
COCHISE: in-state Call Report ranks
- Arizona health ordinal: #13 of 33.
- By total assets, COCHISE is #22 of 33 in Arizona.
- Member book place in Arizona: #24 of 33.
- One place up in Arizona, FIRST (#12) scores 92/100, 1 point higher; one place down, Winslow School Employees (#14) scores 90/100, 1 point lower.
Quarter path for COCHISE
COCHISE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.8% from $73.3M (2025Q4) to $76.8M (2026Q1).
- Net-worth ratio shifted -0.36 pp (17.00% → 16.64%).
This credit union's 16.64% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
COCHISE gives up 9 points in total. Delinquency Rate costs the most, 5.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.4 pts
- Return on Assets 15.0 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for COCHISE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.64% | +3.02 pp |
| Delinquency Rate | 1.08% | +0.12 pp |
| Return on Assets | 1.67% | +1.01 pp |
| Member Growth | 2.46% | - |
| Loan-to-Share Ratio | 77.17% | +14.57 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
COCHISE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $76.8M | - |
| 2025Q4 | $73.3M | 5,789 |
| 2024Q4 | $67.1M | 5,650 |
| 2023Q4 | $58.5M | 5,323 |
Credit Union Details
- Charter Number
- 60151
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Arizona
- City
- Willcox
- Data Quarter
- 2025Q4
Branch Location
COCHISE operates a single office in Willcox, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Cochise Credit Union (Main Office) | Willcox, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arizona
Other federally-insured credit unions in Arizona, closest first by peer group and asset size.
COCHISE nationwide neighbourhoods
Using this data
- COCHISE ranks #897 of 4,374 nationally on financial health and #13 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BANNER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BANNER
Frequently Asked Questions
Is COCHISE financially healthy?
COCHISE has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #897 of 4,374 nationally on health and #13 of 33 in Arizona. Its net worth ratio is 16.64% and its delinquency rate 1.08%.
How does COCHISE compare to other credit unions?
COCHISE scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (77.17% vs 62.60%). Its widest shortfall is delinquency rate (1.08% vs 0.96%).
How can I join COCHISE?
Membership eligibility for COCHISE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact COCHISE directly for current membership requirements and application steps.
Is my money safe at COCHISE?
COCHISE is a state-chartered 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. COCHISE's net worth ratio of 16.64% 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.