Federal credit union · TUCSON, Arizona · NCUA charter #7316
PIMA
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $1.60B
- Total assets
- 73,467
- Members
- 9.3%
- Net-worth ratio
PIMA scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.60B; members 73,467; net-worth ratio 9.26%; health rank #131 of 4,374; healthier than 97th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#131 of 4,374 health · 2025Q4PIMA · health 98/100 · $1.60B · 2025Q4
- NW 98/100
- DELQ 9.3%
- ROA 0.29%
- ASSETS 0.89%
- MEM $1.60B
- RANK 73,467
- PHOTO #131/4,374
- BOOK FIRSTLIGHT
- CHARTER 7316
Call Report peers
PIMA in the assets neighbourhood
PIMA's $1.60B assets sit next to FIRSTLIGHT ($1.59B) 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.
PIMA 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
98 Top 3% higher than 97% 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
PIMA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #7316, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for PIMA
- Largest favorable gap: Delinquency Rate at 0.29% vs peer 0.87% (-0.58 pp).
- Largest lag: Net Worth Ratio at 9.26% vs peer 11.18% (-1.92 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
PIMA: in-state Call Report ranks
- Arizona health ordinal: #3 of 33.
- Arizona assets place: #7 of 33.
- Arizona membership ordinal: #8 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.
PIMA: 2025Q4 → 2026Q1
PIMA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.3% from $1.60B (2025Q4) to $1.68B (2026Q1).
- Net-worth ratio shifted -0.20 pp (9.46% → 9.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.26% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.8 pts
PIMA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.26% | -1.92 pp |
| Delinquency Rate | 0.29% | -0.58 pp |
| Return on Assets | 0.89% | +0.38 pp |
| Member Growth | 7.05% | - |
| Loan-to-Share Ratio | 82.12% | -1.78 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).
PIMA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.68B | - |
| 2025Q4 | $1.60B | 73,467 |
| 2024Q4 | $1.28B | 68,628 |
| 2023Q4 | $1.18B | 65,762 |
Credit Union Details
- Charter Number
- 7316
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Arizona
- City
- TUCSON
- Data Quarter
- 2025Q4
Branch Locations (16)
Per its most recent NCUA branch filing, PIMA runs 16 offices in 9 different cities.
| Office | City |
|---|---|
| 6850 N. Oracle Road (Main Office) | Tucson, AZ |
| Gilbert | Gilbert, AZ |
| Sahuarita | Green Valley, AZ |
| Pinetop | Lakeside, AZ |
| Steampump | Oro Valley, AZ |
| Phoenix | Phoenix, AZ |
| Scottsdale | Scottsdale, AZ |
| Springerville | Springerville, AZ |
| Stone | Tucson, AZ |
| Silverlake | Tucson, AZ |
| Pantano | Tucson, AZ |
| Valencia | Tucson, AZ |
| Thornydale | Tucson, AZ |
| 6860 N. Oracle Road | Tucson, AZ |
| Lending | Tucson, AZ |
| Yuma | 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.
PIMA nationwide neighbourhoods
Two NCUA Call Report peer sets for PIMA, 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 ($1.60B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- PIMA ranks #131 of 4,374 nationally on financial health and #3 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRUWEST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRUWEST
- 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 PIMA financially healthy?
Yes/no aside, the number is 98/100 (Excellent) - PIMA'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 #131 of 4,374; by total assets it ranks #307 of 4,374 nationally (same basis as /rankings/largest); and #7 of 33 within Arizona. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.26% net worth ratio and 0.29% delinquency rate are the key drivers.
How does PIMA compare to other credit unions?
PIMA scores 98/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 PIMA?
PIMA 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 PIMA directly for the exact boundaries and application steps.
Is my money safe at PIMA?
Federal credit unions like PIMA 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. PIMA's net worth ratio of 9.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PIMA offer compared to banks?
Credit unions like PIMA 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 PIMA 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.