Federal credit union · KINGMAN, Arizona · NCUA charter #12000
Mohave Community
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $60.2M
- Total assets
- 5,305
- Members
- 12.7%
- Net-worth ratio
Mohave Community scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $60.2M; members 5,305; net-worth ratio 12.72%; health rank #3,871 of 4,374; healthier than 11th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,871 of 4,374 health · 2025Q4Mohave Community · health 65/100 · $60.2M · 2025Q4
- PHOTO 65/100
- BOOK 12.7%
- CHARTER 3.59%
- NCUSIF 1.28%
- CAMELS $60.2M
- HEALTH 5,305
- NW #3,871/4,374
- DELQ University of Louisiana
- ROA 12000
Call Report peers
Mohave Community in the assets neighbourhood
Mohave Community's $60.2M assets sit next to University of Louisiana ($60.2M) 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.
Mohave Community 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
65 11th percentile higher than 11% 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
Mohave Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12000, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Mohave Community vs $50M–$100M peers
- Largest favorable gap: Loan-to-Share Ratio at 64.28% vs peer 62.60% (+1.68 pp).
- Widest shortfall vs peers is Delinquency Rate: +2.62 pp (3.59% vs 0.96%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mohave Community in Arizona
- Health composite ranks #31 of 33 among scored Arizona credit unions.
- By total assets, Mohave Community is #24 of 33 in Arizona.
- Membership ranks #26 of 33 among Arizona CUs with a reported count (5,305 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.
Mohave Community: 2025Q4 → 2026Q1
Mohave Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $60.2M (2025Q4) to $61.3M (2026Q1).
- Net-worth ratio shifted +0.08 pp (12.64% → 12.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.72% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 2.6 pts
- Return on Assets 15.0 pts
- Member Growth 4.1 pts
- Loan-to-Share Ratio 13.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.72% | -0.90 pp |
| Delinquency Rate | 3.59% | +2.62 pp |
| Return on Assets | 1.28% | +0.63 pp |
| Member Growth | -2.75% | - |
| Loan-to-Share Ratio | 64.28% | +1.68 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $61.3M | - |
| 2025Q4 | $60.2M | 5,305 |
| 2024Q4 | $57.8M | 5,455 |
| 2023Q4 | $56.5M | 5,182 |
Credit Union Details
- Charter Number
- 12000
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Arizona
- City
- KINGMAN
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Mohave Community.
| Office | City |
|---|---|
| Kingman Office (Main Office) | Kingman, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arizona
More federally-insured credit unions based in Arizona, ordered by peer group match and asset size.
Other-state peers near Mohave Community
Two NCUA Call Report peer sets for Mohave Community, 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 ($60.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- Mohave Community ranks #3,871 of 4,374 nationally on financial health and #31 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BANNER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BANNER
- 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 Mohave Community financially healthy?
Yes/no aside, the number is 65/100 (Good) - Mohave Community'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 #3,871 of 4,374; by total assets it ranks #2,255 of 4,374 nationally (same basis as /rankings/largest); and #24 of 33 within Arizona. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.72% net worth ratio and 3.59% delinquency rate are the key drivers.
How does Mohave Community compare to other credit unions?
PlainCU's health composite puts Mohave Community at 65/100, compared to a peer group average for $50M–$100M 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 Mohave Community?
Mohave Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Mohave Community directly for the exact boundaries and application steps.
Is my money safe at Mohave Community?
Federal credit unions like Mohave Community 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. Mohave Community's net worth ratio of 12.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mohave Community offer compared to banks?
Credit unions like Mohave Community 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 Mohave Community 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.