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Arizona Credit Union Performance
How the 33 credit unions based in Arizona are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Arizona's 33 credit unions serve 2,036,097 members and hold $35.34B in combined assets. The median Arizona credit union earned a 0.64% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Arizona credit unions was 0.37%, compared with -0.55% nationally. Median one-year asset growth was 3.47%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Arizona at a glance
Arizona vs. the United States
System totals are the sum of every credit union based in Arizona. The share column is Arizona's portion of the national figure.
| Measure | Arizona | United States | Arizona share |
|---|---|---|---|
| Credit unions | 33 | 4,335 | 0.8% |
| Members | 2,036,097 | 147,031,529 | 1.4% |
| Residents (population) | 7,582,384 | 340,110,988 | 2.2% |
| Total assets | $35.34B | $2,507.50B | 1.4% |
| Total loans | $22.37B | $1,744.86B | 1.3% |
| Total shares & deposits | $31.19B | $2,143.21B | 1.5% |
| Total net worth | $3.75B | $282.23B | 1.3% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Arizona credit unions report about 27 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Arizona credit unions serve members in other states, so it overstates true in-state penetration.)
The median Arizona credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Arizona CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.64% | 0.66% |
| Net worth ratio | 10.82% | 12.44% |
| Loan-to-share ratio | 68.59% | 67.86% |
| Delinquency ratio | 0.55% | 0.63% |
| Net charge-off ratio | 0.58% | 0.33% |
| Cost of funds | 1.09% | 1.05% |
| Member growth (1 yr) | 0.37% | -0.55% |
| Asset growth (1 yr) | 3.47% | 2.78% |
| Loan growth (1 yr) | 2.82% | 0.63% |
| Share growth (1 yr) | 2.78% | 2.36% |
| Net worth growth (1 yr) | 6.90% | 5.57% |
Trends over time
The median Arizona credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.81% · 0.72%
— Arizona ‑‑ U.S.
Net worth ratio 10.85% · 12.46%
— Arizona ‑‑ U.S.
Loan-to-share ratio 67.83% · 69.70%
— Arizona ‑‑ U.S.
Delinquency ratio 0.69% · 0.72%
— Arizona ‑‑ U.S.
Asset growth (1 yr) 5.35% · 3.26%
— Arizona ‑‑ U.S.
Member growth (1 yr) 0.12% · -0.52%
— Arizona ‑‑ U.S.
Arizona leaderboards
Largest by assets
- 1 Desert Schools Credit Union $9.79B
- 2 Arizona State Savings & Credit Union $4.49B
- 3 Arizona Financial Credit Union $3.89B
- 4 Vantage West Credit Union $3.30B
- 5 Hughes Credit Union $2.64B
- 6 TruWest Credit Union $1.72B
- 7 Pima Credit Union $1.68B
- 8 Credit Union West $1.45B
- 9 Tucson Credit Union $971.4M
- 10 First Credit Union $785.8M
Highest return on assets
- 1 Cochise Credit Union 1.72%
- 2 Huachuca Credit Union 1.65%
- 3 Arizona State Savings & Credit Union 1.44%
- 4 Pima Credit Union 1.27%
- 5 Honeywell Aerospace Credit Union 1.13%
- 6 Tempe Schools Credit Union 1.07%
- 7 Pyramid Credit Union 1.01%
- 8 Desert Schools Credit Union 0.90%
- 9 First American Credit Union 0.87%
- 10 Coconino Credit Union 0.87%
Fastest-growing (organic)
- 1 Pima Credit Union 29.93%
- 2 Arizona State Savings & Credit Union 26.37%
- 3 Tucson Credit Union 22.86%
- 4 Pinal County Credit Union 16.27%
- 5 Canyon State Credit Union 10.35%
- 6 Credit Union West 9.07%
- 7 Arizona Financial Credit Union 8.00%
- 8 Desert Schools Credit Union 7.97%
- 9 Honeywell Aerospace Credit Union 7.48%
- 10 Hughes Credit Union 7.10%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Arizona that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.