Federal credit union · KINGMAN, Arizona · NCUA charter #12000
Mohave Community
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $60.2M
- Total assets
- 5,305
- Members
- 12.6%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)10
- Earnings (ROA)100
- Member growth27
- Liquidity (loan-to-share)91
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.64% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.64% | 30% |
| Delinquency Rate | 3.59% | 25% |
| Return on Assets | 1.28% | 15% |
| Member Growth | -2.75% | 15% |
| Loan-to-Share Ratio | 64.28% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Mohave Community
5,305 members and $60.2M in total assets sit behind Mohave Community, a federal credit union in KINGMAN, Arizona, which posts a health score of 65/100 (Good) on the five-factor composite, with $33.5M in outstanding loans as of Q4 2025 and a net worth ratio of 12.64% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #12000 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Two more numbers round out the picture: a 3.59% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers - and a 64.28% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.28% on net income of $773K 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 -2.75%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Arizona
More federally-insured credit unions based in Arizona, ordered by peer group match 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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.64% 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 12.64% 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.
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.