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
Call Report peers
ONEAZ in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); ONEAZ sits in 100 with 34 others.
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
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).
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.
- No Arizona credit union scores higher; the runner-up, Credit Union West (#2) scores 99/100, 1 point lower.
ONEAZ Call Report trajectory
ONEAZ: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.2% from $4.30B (2025Q4) to $4.49B (2026Q1).
- Net-worth ratio shifted -0.28 pp (11.00% → 10.72%).
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
Every pillar scores full marks, so all five contribute their maximum.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ONEAZ financially healthy?
On its 2025Q4 NCUA 5300 filing, ONEAZ scores 100/100 (Excellent), with a 10.72% net worth ratio and 0.31% of loans delinquent. It ranks #29 of 4,374 nationally on health and #1 of 33 in Arizona.
How does ONEAZ compare to other credit unions?
ONEAZ scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.31% vs 0.87%). Its widest shortfall is loan-to-share ratio (79.17% vs 83.90%).
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?
ONEAZ is a state-chartered 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. ONEAZ's net worth ratio of 10.72% 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.