State credit union · Phoenix, Arizona · NCUA charter #68502
Copper State
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $644.8M
- Total assets
- 37,655
- Members
- 8.6%
- Net-worth ratio
Copper State scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $644.8M; members 37,655; net-worth ratio 8.57%; health rank #3,423 of 4,374; healthier than 21st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,423 of 4,374 health · 2025Q4Copper State · health 73/100 · $644.8M · 2025Q4
- CAMELS 73/100
- HEALTH 8.6%
- NW 0.81%
- DELQ 0.13%
- ROA $644.8M
- ASSETS 37,655
- MEM #3,423/4,374
- RANK Freedom Northwest
- PHOTO 68502
Call Report peers
Copper State in the assets neighbourhood
Copper State's $644.8M assets sit next to Freedom Northwest ($645.2M) 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.
Copper State 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
73 21st percentile higher than 21% 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
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.
Peer-gap read for Copper State
- Largest favorable gap: Delinquency Rate at 0.81% vs peer 0.87% (-0.07 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.16 pp (77.74% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Arizona standing for Copper State
- Health composite ranks #28 of 33 among scored Arizona credit unions.
- Assets rank #12 of 33 inside Arizona ($644.8M reported).
- Membership ranks #13 of 33 among Arizona CUs with a reported count (37,655 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.
Quarter path for Copper State
Copper State: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.2% from $644.8M (2025Q4) to $672.1M (2026Q1).
- Net-worth ratio shifted -0.24 pp (8.81% → 8.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.57% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 26.4 pts
- Delinquency Rate 21.9 pts
- Return on Assets 9.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Copper State
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.57% | -2.61 pp |
| Delinquency Rate | 0.81% | -0.07 pp |
| Return on Assets | 0.13% | -0.38 pp |
| Member Growth | -13.32% | - |
| Loan-to-Share Ratio | 77.74% | -6.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $672.1M | - |
| 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
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for Copper State, spread across 6 cities.
| Office | City |
|---|---|
| Operations Center (Main Office) | Phoenix, AZ |
| Anthem | Anthem, AZ |
| Arrowhead | Glendale, AZ |
| Goodyear | Goodyear, AZ |
| Payson | Payson, AZ |
| Bell | Phoenix, AZ |
| Encanto | Phoenix, AZ |
| Surprise | Surprise, 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.
Cross-state Call Report peers for Copper State
Copper State's nationwide photo peers by assets and by health score, excluding Arizona charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($644.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- Copper State ranks #3,423 of 4,374 nationally on financial health and #28 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Arizona Central is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Arizona Central
- 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 Copper State financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - Copper State's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,423 of 4,374; by total assets it ranks #654 of 4,374 nationally (same basis as /rankings/largest); and #12 of 33 within Arizona. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.57% 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 73/100, 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 8.57% exceeds 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.
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.