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
Call Report peers
Copper State in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Copper State sits in 70-74 with 317 others.
73 21st percentile higher than 21% 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 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%).
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).
- One place up in Arizona, Avenir Financial (#27) ties at 73/100; one place down, HUGHES (#29) scores 67/100, 6 points lower.
Quarter path for Copper State
Copper State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.2% from $644.8M (2025Q4) to $672.1M (2026Q1).
- Net-worth ratio shifted -0.24 pp (8.81% → 8.57%).
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
Copper State gives up 27 points in total. Member Growth costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Copper State financially healthy?
On its 2025Q4 NCUA 5300 filing, Copper State scores 73/100 (Very Good), with a 8.57% net worth ratio and 0.81% of loans delinquent. It ranks #3,423 of 4,374 nationally on health and #28 of 33 in Arizona.
How does Copper State compare to other credit unions?
Copper State scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.81% vs 0.87%). Its widest shortfall is loan-to-share ratio (77.74% vs 83.90%).
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?
Copper State 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. Copper State's net worth ratio of 8.57% 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.