Federal credit union · Tucson, Arizona · NCUA charter #7531
Hughes
Health score 42/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 42
- Health / 100
- $2.60B
- Total assets
- 188,377
- Members
- 0.4%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)3
- Asset quality (delinquency)28
- Earnings (ROA)62
- Member growth61
- Liquidity (loan-to-share)100
Weighted composite: 42/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 0.41%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.41% | 30% |
| Delinquency Rate | 2.86% | 25% |
| Return on Assets | 0.12% | 15% |
| Member Growth | 0.12% | 15% |
| Loan-to-Share Ratio | 89.99% | 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 | $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
What This Data Says About Hughes
Hughes is a federal credit union headquartered in Tucson, Arizona, serving 188,377 members with $2.60B in total assets and $2.12B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 42/100 (Below Average), anchored by a net worth ratio of 0.41% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #7531 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 2.86% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. The loan-to-share ratio of 89.99% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.12% on net income of $3.1M 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 0.12%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Select Employee Group). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Arizona
Other federally-insured credit unions in Arizona, closest first by peer group and asset size.
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 Hughes financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Hughes carries a financial health score of 42/100 (Below Average). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 0.41% net worth ratio and a 2.86% delinquency rate.
How does Hughes compare to other credit unions?
PlainCU's health composite puts Hughes at 42/100, 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 0.41% is relative to 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.
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.