Federal credit union · WINSLOW, Arizona · NCUA charter #11459
Winslow School Employees
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $5.1M
- Total assets
- 555
- Members
- 18.0%
- Net-worth ratio
Winslow School Employees scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.1M; members 555; net-worth ratio 18.03%; health rank #1,042 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,042 of 4,374 health · 2025Q4Winslow School Employees · health 90/100 · $5.1M · 2025Q4
- BOOK 90/100
- CHARTER 18.0%
- NCUSIF 0.00%
- CAMELS 0.55%
- HEALTH $5.1M
- NW 555
- DELQ #1,042/4,374
- ROA n/a
- ASSETS 11459
Call Report peers
Winslow School Employees carries $5.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Winslow School Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% 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
Winslow School Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11459: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Winslow School Employees
- Loan-to-Share Ratio leads the peer set - 81.84% here, 63.60% peer average (+18.24 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.03 pp (18.03% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Winslow School Employees sits in Arizona
- In Arizona, health place is #14 of 33 on the same NCUA-ratio sort used nationally.
- Arizona assets place: #33 of 33.
- Member book place in Arizona: #33 of 33.
In-state ordinals use the live credit_unions table for AZ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Winslow School Employees: 2025Q4 → 2026Q1
Winslow School Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $5.1M (2025Q4) to $5.1M (2026Q1).
- Net-worth ratio shifted -0.13 pp (18.16% → 18.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.03% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.03% | -1.03 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.55% | +0.10 pp |
| Member Growth | -2.12% | - |
| Loan-to-Share Ratio | 81.84% | +18.24 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Winslow School Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.1M | - |
| 2025Q4 | $5.1M | 555 |
| 2024Q4 | $5.2M | 567 |
| 2023Q4 | $5.7M | 553 |
Credit Union Details
- Charter Number
- 11459
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Arizona
- City
- WINSLOW
- Data Quarter
- 2025Q4
Branch Locations (2)
Winslow School Employees operates 2 offices in Winslow, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Winslow School Employee Federal Credit Union (Main Office) | Winslow, AZ |
| Winslow School Employee Federal Credit Union | Winslow, 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.
Other-state peers near Winslow School Employees
Winslow School Employees's nationwide photo peers by assets and by health score, excluding Arizona charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Winslow School Employees ranks #1,042 of 4,374 nationally on financial health and #14 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- U-HAUL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with U-HAUL
- Rates and health both vary by institution, not just by state -- see how Arizona credit unions compare overall before assuming this one is typical. Arizona state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Winslow School Employees financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - Winslow School Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,042 of 4,374; by total assets it ranks #3,884 of 4,374 nationally (same basis as /rankings/largest); and #33 of 33 within Arizona. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.03% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Winslow School Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Winslow School Employees's 90/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 School Employees?
Winslow School Employees 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 Winslow School Employees directly for the exact boundaries and application steps.
Is my money safe at Winslow School Employees?
Federal credit unions like Winslow School Employees 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 School Employees's net worth ratio of 18.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Winslow School Employees offer compared to banks?
Credit unions like Winslow School Employees 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 School Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.