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
Call Report peers
HUGHES in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); HUGHES sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Arizona, Copper State (#28) scores 73/100, 6 points higher; one place down, Arizona Central (#30) scores 66/100, 1 point lower.
HUGHES Call Report trajectory
HUGHES: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $2.60B (2025Q4) to $2.64B (2026Q1).
- Net-worth ratio shifted -0.03 pp (8.78% → 8.75%).
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
HUGHES gives up 33 points in total. Delinquency Rate costs the most, 17.9 of its 25; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is HUGHES financially healthy?
On its 2025Q4 NCUA 5300 filing, HUGHES scores 67/100 (Good), with a 8.75% net worth ratio and 2.86% of loans delinquent. It ranks #3,782 of 4,374 nationally on health and #29 of 33 in Arizona.
How does HUGHES compare to other credit unions?
HUGHES scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.99% vs 83.90%). Its widest shortfall is net worth ratio (8.75% vs 11.18%).
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?
HUGHES 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. HUGHES's net worth ratio of 8.75% 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.