State credit union · Winslow, Arizona · NCUA charter #63627
Winslow Santa Fe
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $15.0M
- Total assets
- 1,803
- Members
- 13.3%
- Net-worth ratio
Winslow Santa Fe - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #63627: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Winslow Santa Fe - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth71
- Liquidity (loan-to-share)100
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.30% 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 | 13.30% | 30% |
| Delinquency Rate | 0.46% | 25% |
| Return on Assets | 1.64% | 15% |
| Member Growth | 1.41% | 15% |
| Loan-to-Share Ratio | 81.22% | 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 | $15.0M | 1,803 |
| 2024Q4 | $15.3M | 1,778 |
| 2023Q4 | $15.3M | 1,771 |
Credit Union Details
- Charter Number
- 63627
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Arizona
- City
- Winslow
- Data Quarter
- 2025Q4
What This Data Says About Winslow Santa Fe
Winslow Santa Fe is a state credit union headquartered in Winslow, Arizona, serving 1,803 members with $15.0M in total assets and $10.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 96/100 (Excellent), anchored by a net worth ratio of 13.30% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #63627 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.46% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 81.22% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.64% on net income of $247K 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 1.41%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Arizona
More federally-insured credit unions based in Arizona, ordered by peer group match and asset size.
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 Winslow Santa Fe financially healthy?
A 13.30% net worth ratio and a 0.46% delinquency rate feed into Winslow Santa Fe's financial health score of 96/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Winslow Santa Fe compare to other credit unions?
Winslow Santa Fe scores 96/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Winslow Santa Fe?
Membership eligibility for Winslow Santa Fe depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Winslow Santa Fe directly for current membership requirements and application steps.
Is my money safe at Winslow Santa Fe?
Federal credit unions like Winslow Santa Fe 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. Winslow Santa Fe's net worth ratio of 13.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Winslow Santa Fe offer compared to banks?
Credit unions like Winslow Santa Fe 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 Winslow Santa Fe 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.