Federal credit union · Prescott, Arizona · NCUA charter #2460
PRESCOTT
Health score 61/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $11.4M
- Total assets
- 1,293
- Members
- 6.4%
- Net-worth ratio
PRESCOTT scores 61/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.4M; members 1,293; net-worth ratio 6.43%; health rank #4,039 of 4,374; healthier than 8th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,039 of 4,374 health · 2025Q4PRESCOTT · health 61/100 · $11.4M · 2025Q4
Call Report peers
PRESCOTT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PRESCOTT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PRESCOTT sits in 60-64 with 179 others.
61 8th percentile higher than 8% 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 PRESCOTT diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 39.50% here, 59.80% peer average (-20.30 pp).
Where PRESCOTT sits in Arizona
- In Arizona, health place is #32 of 33 on the same NCUA-ratio sort used nationally.
- Assets rank #31 of 33 inside Arizona ($11.4M reported).
- Member book place in Arizona: #32 of 33.
- One place up in Arizona, Mohave Community (#31) scores 65/100, 4 points higher; one place down, U-HAUL (#33) scores 60/100, 1 point lower.
How PRESCOTT's 5300 filing moved
PRESCOTT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.1% from $11.4M (2025Q4) to $11.0M (2026Q1).
- Net-worth ratio shifted -0.43 pp (6.86% → 6.43%).
At 6.43%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 61/100 score is built
PRESCOTT gives up 39 points in total. Return on Assets costs the most, 15 of its 15; Member Growth scores full marks.
- Net Worth Ratio 18.2 pts
- Delinquency Rate 18.6 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.2 pts
PRESCOTT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.43% | -8.43 pp |
| Delinquency Rate | 1.19% | +0.04 pp |
| Return on Assets | -1.03% | -1.74 pp |
| Member Growth | 7.13% | - |
| Loan-to-Share Ratio | 39.50% | -20.30 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - PRESCOTT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.0M | - |
| 2025Q4 | $11.4M | 1,293 |
| 2024Q4 | $11.3M | 1,207 |
| 2023Q4 | $10.9M | 1,251 |
Credit Union Details
- Charter Number
- 2460
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Arizona
- City
- Prescott
- Data Quarter
- 2025Q4
Branch Locations (2)
PRESCOTT operates 2 offices in Prescott, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Prescott Federal Credit Union (Main Office) | Prescott, AZ |
| Prescott Federal Credit Union | Prescott, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arizona
A look at other Arizona credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for PRESCOTT
Similar total assets
Similar health score
Using this data
- PRESCOTT ranks #4,039 of 4,374 nationally on financial health and #32 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EM
Frequently Asked Questions
Is PRESCOTT financially healthy?
On its 2025Q4 NCUA 5300 filing, PRESCOTT scores 61/100 (Good), with a 6.43% net worth ratio and 1.19% of loans delinquent. It ranks #4,039 of 4,374 nationally on health and #32 of 33 in Arizona.
How does PRESCOTT compare to other credit unions?
PRESCOTT scores 61/100, higher than 8% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (39.50% vs 59.80%).
How can I join PRESCOTT?
PRESCOTT serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact PRESCOTT directly for the current list of qualifying groups.
Is my money safe at PRESCOTT?
PRESCOTT is a federal 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. PRESCOTT's net worth ratio of 6.43% is relative to 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.