Federal credit union · Tucson, Arizona · NCUA charter #7531
HUGHES
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $2.60B
- Total assets
- 188,377
- Members
- 8.8%
- Net-worth ratio
HUGHES scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.60B; members 188,377; net-worth ratio 8.75%; health rank #3,782 of 4,374; healthier than 13th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,782 of 4,374 health · 2025Q4HUGHES · health 67/100 · $2.60B · 2025Q4
- ROA 67/100
- ASSETS 8.8%
- MEM 2.86%
- RANK 0.12%
- PHOTO $2.60B
- BOOK 188,377
- CHARTER #3,782/4,374
- NCUSIF Aberdeen Proving Ground
- CAMELS 7531
Call Report peers
HUGHES in the assets neighbourhood
HUGHES's $2.60B assets sit next to Aberdeen Proving Ground ($2.61B) 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.
HUGHES 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
67 13th percentile higher than 13% 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
HUGHES - Share Insurance Coverage
Charter #7531's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
HUGHES vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 89.99% vs peer 83.90% (+6.09 pp).
- Largest lag: Net Worth Ratio at 8.75% vs peer 11.18% (-2.43 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
HUGHES in Arizona
- Health composite ranks #29 of 33 among scored Arizona credit unions.
- Assets rank #5 of 33 inside Arizona ($2.60B reported).
- Membership ranks #4 of 33 among Arizona CUs with a reported count (188,377 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.
HUGHES Call Report trajectory
HUGHES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $2.60B (2025Q4) to $2.64B (2026Q1).
- Net-worth ratio shifted -0.03 pp (8.78% → 8.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 26.9 pts
- Delinquency Rate 7.1 pts
- Return on Assets 9.3 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for HUGHES
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.75% | -2.43 pp |
| Delinquency Rate | 2.86% | +1.99 pp |
| Return on Assets | 0.12% | -0.39 pp |
| Member Growth | 0.12% | - |
| Loan-to-Share Ratio | 89.99% | +6.09 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).
HUGHES quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.64B | - |
| 2025Q4 | $2.60B | 188,377 |
| 2024Q4 | $2.35B | 188,151 |
| 2023Q4 | $1.99B | 177,998 |
Credit Union Details
- Charter Number
- 7531
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- Over $500M
- State
- Arizona
- City
- Tucson
- Data Quarter
- 2025Q4
Branch Locations (7)
HUGHES operates 7 offices in Tucson, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Wetmore Branch (Main Office) | Tucson, AZ |
| Hermans Road Branch | Tucson, AZ |
| Speedway Branch | Tucson, AZ |
| Pantano Branch | Tucson, AZ |
| Thornydale Branch | Tucson, AZ |
| Cortaro Branch | Tucson, AZ |
| Vail Branch | Tucson, 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
Two NCUA Call Report peer sets for HUGHES, both outside Arizona so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.60B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- HUGHES ranks #3,782 of 4,374 nationally on financial health and #29 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Vantage West is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Vantage West
- 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 HUGHES financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, HUGHES carries a financial health score of 67/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,782 of 4,374; by total assets it ranks #201 of 4,374 nationally (same basis as /rankings/largest); and #5 of 33 within Arizona. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.75% net worth ratio and a 2.86% delinquency rate.
How does HUGHES compare to other credit unions?
PlainCU's health composite puts HUGHES at 67/100, 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 HUGHES?
HUGHES serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact HUGHES directly for the current list of qualifying groups.
Is my money safe at HUGHES?
Federal credit unions like HUGHES 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. HUGHES's net worth ratio of 8.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HUGHES offer compared to banks?
Credit unions like HUGHES 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 HUGHES 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.