State credit union · Phoenix, Arizona · NCUA charter #68502
Copper State
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $644.8M
- Total assets
- 37,655
- Members
- 5.0%
- Net-worth ratio
Copper State - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68502, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Copper State - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)41
- Asset quality (delinquency)88
- Earnings (ROA)63
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
4.98% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 4.98% | 30% |
| Delinquency Rate | 0.81% | 25% |
| Return on Assets | 0.13% | 15% |
| Member Growth | -13.32% | 15% |
| Loan-to-Share Ratio | 77.74% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $644.8M | 37,655 |
| 2024Q4 | $592.2M | 43,441 |
| 2023Q4 | $600.5M | 45,992 |
Credit Union Details
- Charter Number
- 68502
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Arizona
- City
- Phoenix
- Data Quarter
- 2025Q4
What This Data Says About Copper State
Headquartered in Phoenix, Arizona, Copper State is a state credit union with 37,655 members, $644.8M in total assets, and $439.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 59/100 (Fair), driven in part by a net worth ratio of 4.98% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #68502 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.81% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 77.74% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.13% on net income of $834K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -13.32%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Copper State financially healthy?
Yes/no aside, the number is 59/100 (Fair) - Copper State's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 4.98% net worth ratio and 0.81% delinquency rate are the key drivers.
How does Copper State compare to other credit unions?
PlainCU's health composite puts Copper State at 59/100, compared to a peer group average for Over $500M 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 Copper State?
Membership eligibility for Copper State depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Copper State directly for current membership requirements and application steps.
Is my money safe at Copper State?
Federal credit unions like Copper State 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. Copper State's net worth ratio of 4.98% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Copper State offer compared to banks?
Credit unions like Copper State 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 Copper State directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.