Federal credit union · Douglas, Arizona · NCUA charter #9897
Southeastern Arizona
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $46.4M
- Total assets
- 5,451
- Members
- 14.3%
- Net-worth ratio
Southeastern Arizona scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $46.4M; members 5,451; net-worth ratio 14.28%; health rank #2,088 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,088 of 4,374 health · 2025Q4Southeastern Arizona · health 84/100 · $46.4M · 2025Q4
Call Report peers
Southeastern Arizona in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southeastern Arizona vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southeastern Arizona sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Southeastern Arizona: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +0.88 pp (1.59% vs 0.70%).
- Largest lag: Loan-to-Share Ratio at 48.39% vs peer 59.80% (-11.41 pp).
Southeastern Arizona: in-state Call Report ranks
- In Arizona, health place is #18 of 33 on the same NCUA-ratio sort used nationally.
- Assets rank #26 of 33 inside Arizona ($46.4M reported).
- Member book place in Arizona: #25 of 33.
- One place up in Arizona, MARISOL (#17) scores 86/100, 2 points higher; one place down, American Southwest (#19) ties at 84/100.
Southeastern Arizona: 2025Q4 → 2026Q1
Southeastern Arizona: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.6% from $46.4M (2025Q4) to $49.0M (2026Q1).
- Net-worth ratio shifted -0.21 pp (14.49% → 14.28%).
14.28% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Southeastern Arizona gives up 16 points in total. Member Growth costs the most, 8.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.4 pts
- Return on Assets 15.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 9.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.28% | -0.58 pp |
| Delinquency Rate | 0.76% | -0.38 pp |
| Return on Assets | 1.59% | +0.88 pp |
| Member Growth | -1.29% | - |
| Loan-to-Share Ratio | 48.39% | -11.41 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Southeastern Arizona
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $49.0M | - |
| 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
Branch Locations (2)
Southeastern Arizona operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Douglas (Main Office) | Douglas, AZ |
| Benson | Benson, 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.
Nationwide credit unions with similar profiles
Using this data
- Southeastern Arizona ranks #2,088 of 4,374 nationally on financial health and #18 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MARISOL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MARISOL
Frequently Asked Questions
Is Southeastern Arizona financially healthy?
Southeastern Arizona has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,088 of 4,374 nationally on health and #18 of 33 in Arizona. Its net worth ratio is 14.28% and its delinquency rate 0.76%.
How does Southeastern Arizona compare to other credit unions?
Southeastern Arizona scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.59% vs 0.70%). Its widest shortfall is loan-to-share ratio (48.39% vs 59.80%).
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?
Southeastern Arizona 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. Southeastern Arizona's net worth ratio of 14.28% 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.