Federal credit union · Tucson, Arizona · NCUA charter #24826
PYRAMID
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $246.5M
- Total assets
- 17,655
- Members
- 10.5%
- Net-worth ratio
PYRAMID scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $246.5M; members 17,655; net-worth ratio 10.48%; health rank #2,763 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,763 of 4,374 health · 2025Q4PYRAMID · health 80/100 · $246.5M · 2025Q4
Call Report peers
PYRAMID in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PYRAMID vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PYRAMID sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
PYRAMID: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 60.83% here, 72.20% peer average (-11.37 pp).
Arizona standing for PYRAMID
- Arizona health ordinal: #24 of 33.
- By total assets, PYRAMID is #19 of 33 in Arizona.
- Membership ranks #18 of 33 among Arizona CUs with a reported count (17,655 members).
- One place up in Arizona, SUNWEST (#23) ties at 80/100; one place down, Rim Country (#25) scores 78/100, 2 points lower.
How PYRAMID's 5300 filing moved
PYRAMID: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $246.5M (2025Q4) to $252.2M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.47% → 10.48%).
10.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
PYRAMID gives up 20 points in total. Delinquency Rate costs the most, 11.3 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.7 pts
- Return on Assets 14.2 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 12.5 pts
Call Report ratios for PYRAMID
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.48% | -1.63 pp |
| Delinquency Rate | 1.84% | +0.94 pp |
| Return on Assets | 0.45% | -0.17 pp |
| Member Growth | 0.50% | - |
| Loan-to-Share Ratio | 60.83% | -11.37 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - PYRAMID
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $252.2M | - |
| 2025Q4 | $246.5M | 17,655 |
| 2024Q4 | $238.2M | 17,568 |
| 2023Q4 | $238.3M | 17,527 |
Credit Union Details
- Charter Number
- 24826
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Arizona
- City
- Tucson
- Data Quarter
- 2025Q4
Branch Locations (6)
PYRAMID operates 6 offices in Tucson, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarters (Main Office) | Tucson, AZ |
| Oracle Office | Tucson, AZ |
| Rita Ranch Office | Tucson, AZ |
| Broadway Office | Tucson, AZ |
| TMC Office | Tucson, AZ |
| Spectrum Office | Tucson, 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
- PYRAMID ranks #2,763 of 4,374 nationally on financial health and #24 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LANDINGS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LANDINGS
Frequently Asked Questions
Is PYRAMID financially healthy?
On its 2025Q4 NCUA 5300 filing, PYRAMID scores 80/100 (Excellent), with a 10.48% net worth ratio and 1.84% of loans delinquent. It ranks #2,763 of 4,374 nationally on health and #24 of 33 in Arizona.
How does PYRAMID compare to other credit unions?
PYRAMID scores 80/100, higher than 36% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (60.83% vs 72.20%).
How can I join PYRAMID?
PYRAMID 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 PYRAMID directly for the exact boundaries and application steps.
Is my money safe at PYRAMID?
PYRAMID 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. PYRAMID's net worth ratio of 10.48% 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.