TellerScore

Headquartered in Phoenix, Arizona, Arizona Financial Credit Union is a federally insured state-chartered credit union with $3.9B in total assets and $3.5B in member shares and deposits as of Q2 2026. It operates 21 offices. Its charter dates back to 1936.

Based on its Q2 2026 filing, Arizona Financial Credit Union scores 76/100, which we describe as strong. That is higher than 79% of 454 credit unions with $1 billion – $10 billion. Among 33 credit unions headquartered in Arizona, it ranks 12th. Its strongest component is funding & liquidity (99/100; 62% loans-to-deposits, 12% uninsured), and its lowest is earnings (47/100; 0.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.82%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings47/100
Return on assets (annualized): 0.66%
Funding & liquidity99/100
Loans ÷ shares: 61.5% · 11.8% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.80%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 76).

TellerScore
767880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202480
Q3 202480
Q4 202480
Q1 202578
Q2 202577
Q3 202578
Q4 202578
Q1 202677
Q2 202676
Net worth ratio
7.00%9.69%12.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.38%
Q3 202412.31%
Q4 202412.29%
Q1 202511.85%
Q2 202511.88%
Q3 202511.97%
Q4 202511.92%
Q1 202611.81%
Q2 202611.82%
Delinquent loans (60+ days)
0.23%0.32%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.27%
Q4 20240.23%
Q1 20250.28%
Q2 20250.34%
Q3 20250.41%
Q4 20250.39%
Q1 20260.33%
Q2 20260.39%
Return on assets
0.66%0.80%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20240.88%
Q4 20240.84%
Q1 20250.70%
Q2 20250.70%
Q3 20250.86%
Q4 20250.83%
Q1 20260.74%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$3.9B11.82%0.39%0.66%61.5%
Q1 202677$3.9B11.81%0.33%0.74%60.3%
Q4 202578$3.8B11.92%0.39%0.83%61.0%
Q3 202578$3.7B11.97%0.41%0.86%61.5%
Q2 202577$3.6B11.88%0.34%0.70%61.3%
Q1 202578$3.6B11.85%0.28%0.70%59.2%
Q4 202480$3.4B12.29%0.23%0.84%61.4%
Q3 202480$3.4B12.31%0.27%0.88%62.7%
Q2 202480$3.3B12.38%0.35%0.95%63.3%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.82%
66th
Problem loans0.39%
82nd
Net charge-offs0.47%
55th
Return on assets0.66%
34th
Loans to deposits61.5%
92nd
Uninsured deposits11.8%
30th
Loan-loss reserves0.00%
50th
Texas ratio1.8%
89th

Similar-size credit unions in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
Oneaz Credit UnionCredit union Phoenix, AZ71 out of 100, Strong$4.5B10.4%0.66%vs
Vantage West Credit UnionCredit union Tucson, AZ63 out of 100, Moderate$3.3B10.3%0.84%vs
Hughes Federal Credit UnionCredit union Tucson, AZ38 out of 100, Low$2.6B8.9%2.28%vs
Truwest Credit UnionCredit union Scottsdale, AZ66 out of 100, Moderate$1.7B11.0%0.68%vs
Pima Federal Credit UnionCredit union Tucson, AZ68 out of 100, Moderate$1.7B9.4%0.56%vs
Credit Union WestCredit union Glendale, AZ66 out of 100, Moderate$1.5B10.5%0.38%vs

Deposit insurance

Is my money safe at Arizona Financial Credit Union?

Yes. Arizona Financial Credit Union is a federally insured credit union (NCUA charter #68730). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 11.8% of shares and deposits ($407.1M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.82%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

21 locations

Branches

Arizona Financial Credit Union lists 21 offices in 13 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Arizona Financial Credit Union reported 3,738 home-loan applications under HMDA (LEI 549300V36YE6JCCEJB76): 2,185 originated ($337,255,000 total), 951 denied, and 327 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Arizona Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68730
RSSD ID
133074
Primary regulator
State + NCUA
Established
1936
Headquarters
PO Box 60070, Phoenix, AZ 85082
Employees
700

Quick answers

Arizona Financial Credit Union: common questions

Is Arizona Financial Credit Union NCUA insured?

Yes. Arizona Financial Credit Union is a federally insured credit union (NCUA charter #68730). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Arizona Financial Credit Union's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Arizona Financial Credit Union have?

21 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Phoenix

InstitutionScoreAssetsCapitalProblem loansCompare
Mayo Employees Federal Credit UnionCredit union Rochester, MN98 out of 100, Very strong$1.5B14.9%0.05%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs
Em Federal Credit UnionCredit union Mesa, AZ86 out of 100, Very strong$11.7M15.7%0.24%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
Desert Financial Credit UnionCredit union Phoenix, AZ80 out of 100, Strong$9.9B12.1%0.47%vs
Banner Federal Credit UnionCredit union Phoenix, AZ80 out of 100, Strong$65.2M13.5%0.70%vs