Federal credit union · Flagstaff, Arizona · NCUA charter #10335
COCONINO
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $125.9M
- Total assets
- 9,676
- Members
- 10.7%
- Net-worth ratio
COCONINO scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $125.9M; members 9,676; net-worth ratio 10.67%; health rank #1,684 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,684 of 4,374 health · 2025Q4COCONINO · health 87/100 · $125.9M · 2025Q4
Call Report peers
COCONINO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COCONINO vs every NCUA-scored credit union
COCONINO sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where COCONINO diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.27% vs peer 0.89% (-0.62 pp).
- Loan-to-Share Ratio trails the peer set - 53.84% here, 72.20% peer average (-18.36 pp).
Where COCONINO sits in Arizona
- Arizona health ordinal: #16 of 33.
- Arizona assets place: #20 of 33.
- Member book place in Arizona: #21 of 33.
- One place up in Arizona, LANDINGS (#15) scores 88/100, 1 point higher; one place down, MARISOL (#17) scores 86/100, 1 point lower.
COCONINO: 2025Q4 → 2026Q1
COCONINO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $125.9M (2025Q4) to $126.5M (2026Q1).
- Net-worth ratio shifted +0.16 pp (10.51% → 10.67%).
At 10.67%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
COCONINO gives up 13 points in total. Member Growth costs the most, 9.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.6 pts
- Loan-to-Share Ratio 11.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.67% | -1.44 pp |
| Delinquency Rate | 0.27% | -0.62 pp |
| Return on Assets | 0.71% | +0.08 pp |
| Member Growth | -1.87% | - |
| Loan-to-Share Ratio | 53.84% | -18.36 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
COCONINO filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $126.5M | - |
| 2025Q4 | $125.9M | 9,676 |
| 2024Q4 | $119.5M | 9,860 |
| 2023Q4 | $118.3M | 10,019 |
Credit Union Details
- Charter Number
- 10335
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Arizona
- City
- Flagstaff
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, COCONINO runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Woodlands (Main Office) | Flagstaff, AZ |
| East Flagstaff | Flagstaff, AZ |
| Page Branch | Page, 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.
Nationwide credit unions with similar profiles
Using this data
- COCONINO ranks #1,684 of 4,374 nationally on financial health and #16 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First American is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First American
Frequently Asked Questions
Is COCONINO financially healthy?
On its 2025Q4 NCUA 5300 filing, COCONINO scores 87/100 (Excellent), with a 10.67% net worth ratio and 0.27% of loans delinquent. It ranks #1,684 of 4,374 nationally on health and #16 of 33 in Arizona.
How does COCONINO compare to other credit unions?
COCONINO scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.27% vs 0.89%). Its widest shortfall is loan-to-share ratio (53.84% vs 72.20%).
How can I join COCONINO?
COCONINO 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 COCONINO directly for the exact boundaries and application steps.
Is my money safe at COCONINO?
COCONINO 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. COCONINO's net worth ratio of 10.67% 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.