Federal credit union · Douglas, Arizona · NCUA charter #9897
Southeastern Arizona
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $46.4M
- Total assets
- 5,451
- Members
- 13.6%
- Net-worth ratio
Southeastern Arizona - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9897, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Southeastern Arizona - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)89
- Earnings (ROA)100
- Member growth45
- Liquidity (loan-to-share)69
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.62% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.62% | 30% |
| Delinquency Rate | 0.76% | 25% |
| Return on Assets | 1.59% | 15% |
| Member Growth | -1.29% | 15% |
| Loan-to-Share Ratio | 48.39% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $46.4M | 5,451 |
| 2024Q4 | $45.1M | 5,522 |
| 2023Q4 | $45.2M | 5,432 |
Credit Union Details
- Charter Number
- 9897
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Arizona
- City
- Douglas
- Data Quarter
- 2025Q4
What This Data Says About Southeastern Arizona
Charter #9897, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Southeastern Arizona, a federal credit union in Douglas, Arizona with 5,451 members, $46.4M in total assets, and $19.1M in outstanding loans as of Q4 2025. The five-factor composite scores it 84/100 (Excellent), helped by a net worth ratio of 13.62% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.76% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 48.39% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.59% on net income of $736K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.29%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Southeastern Arizona financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - Southeastern Arizona's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.62% net worth ratio and 0.76% delinquency rate are the key drivers.
How does Southeastern Arizona compare to other credit unions?
84/100 is Southeastern Arizona's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Southeastern Arizona?
Southeastern Arizona 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 Southeastern Arizona directly for the exact boundaries and application steps.
Is my money safe at Southeastern Arizona?
Federal credit unions like Southeastern Arizona 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. Southeastern Arizona's net worth ratio of 13.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southeastern Arizona offer compared to banks?
Credit unions like Southeastern Arizona 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 Southeastern Arizona directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.