State credit union · Phoenix, Arizona · NCUA charter #61315
ONEAZ
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $4.30B
- Total assets
- 234,706
- Members
- 10.7%
- Net-worth ratio
ONEAZ scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.30B; members 234,706; net-worth ratio 10.72%; health rank #29 of 4,374; healthier than 99th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#29 of 4,374 health · 2025Q4ONEAZ · health 100/100 · $4.30B · 2025Q4
- NCUSIF 100/100
- CAMELS 10.7%
- HEALTH 0.31%
- NW 0.75%
- DELQ $4.30B
- ROA 234,706
- ASSETS #29/4,374
- MEM Michigan Schools and Government
- RANK 61315
Call Report peers
ONEAZ in the assets neighbourhood
ONEAZ's $4.30B assets sit next to Michigan Schools and Government ($4.28B) 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.
ONEAZ 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
100 Top 1% higher than 99% 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
ONEAZ - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61315: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where ONEAZ diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.31% vs peer 0.87% (-0.57 pp).
- Loan-to-Share Ratio trails the peer set - 79.17% here, 83.90% peer average (-4.73 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ONEAZ in Arizona
- In Arizona, health place is #1 of 33 on the same NCUA-ratio sort used nationally.
- Arizona assets place: #2 of 33.
- Member book place in Arizona: #2 of 33.
In-state ordinals use the live credit_unions table for AZ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ONEAZ Call Report trajectory
ONEAZ: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.2% from $4.30B (2025Q4) to $4.49B (2026Q1).
- Net-worth ratio shifted -0.28 pp (11.00% → 10.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.72% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for ONEAZ
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.72% | -0.46 pp |
| Delinquency Rate | 0.31% | -0.57 pp |
| Return on Assets | 0.75% | +0.25 pp |
| Member Growth | 17.31% | - |
| Loan-to-Share Ratio | 79.17% | -4.73 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.49B | - |
| 2025Q4 | $4.30B | 234,706 |
| 2024Q4 | $3.40B | 200,076 |
| 2023Q4 | $3.38B | 185,503 |
Credit Union Details
- Charter Number
- 61315
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Arizona
- City
- Phoenix
- Data Quarter
- 2025Q4
Branch Locations (27)
Per its most recent NCUA branch filing, ONEAZ runs 27 offices in 18 different cities.
| Office | City |
|---|---|
| CORPORATE HQ (Main Office) | PHOENIX, AZ |
| CHINO VALLEY | CHINO VALLEY, AZ |
| COTTONWOOD | COTTONWOOD, AZ |
| EAST FLAGSTAFF | FLAGSTAFF, AZ |
| FLAGSTAFF SAWMILL | Flagstaff, AZ |
| GILBERT | GILBERT, AZ |
| GILBERT - QUEEN CREEK | GILBERT, AZ |
| ASU WEST | GLENDALE, AZ |
| GLENDALE | GLENDALE, AZ |
| Nogales | Nogales, AZ |
| ORO VALLEY | Oro Valley, AZ |
| MONROE | PHOENIX, AZ |
| HAPPY VALLEY | PHOENIX, AZ |
| PRESCOTT WILLOW CREEK | PRESCOTT, AZ |
| PRESCOTT GURLEY | PRESCOTT, AZ |
| PRESCOTT VALLEY | PRESCOTT VALLEY, AZ |
| SAFFORD | SAFFORD, AZ |
| San Luis | San Luis, AZ |
| SCOTTSDALE KIERLAND | Scottsdale, AZ |
| SEDONA | Sedona, AZ |
| TEMPE | Tempe, AZ |
| TUCSON ALVERNON | TUCSON, AZ |
| TUCSON ORACLE | TUCSON, AZ |
| Fortuna | Yuma, AZ |
| Midtown | Yuma, AZ |
| Yuma - Loan Production Office | Yuma, AZ |
| Yuma Main | Yuma, 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.
Nationwide credit unions with similar profiles
ONEAZ's nationwide photo peers by assets and by health score, excluding Arizona charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.30B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- ONEAZ ranks #29 of 4,374 nationally on financial health and #1 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Arizona Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Arizona Financial
- 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 ONEAZ financially healthy?
ONEAZ scores 100/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #29 of 4,374; by total assets it ranks #114 of 4,374 nationally (same basis as /rankings/largest); and #2 of 33 within Arizona. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.72% net worth ratio and a 0.31% delinquency rate.
How does ONEAZ compare to other credit unions?
100/100 is ONEAZ's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 ONEAZ?
Membership eligibility for ONEAZ depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ONEAZ directly for current membership requirements and application steps.
Is my money safe at ONEAZ?
Federal credit unions like ONEAZ 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. ONEAZ's net worth ratio of 10.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ONEAZ offer compared to banks?
Credit unions like ONEAZ 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 ONEAZ 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.