TellerScore

Headquartered in Topeka, Kansas, Azura Credit Union is a federally insured state-chartered credit union with $851.9M in total assets and $744.6M in member shares and deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1956.

Based on its Q2 2026 filing, Azura Credit Union scores 64/100, which we describe as moderate. That is higher than only 31% of 1,341 credit unions with $100 million – $1 billion. Among 62 credit unions headquartered in Kansas, it ranks 42nd. Its strongest component is problem-loan coverage (89/100; 5.4%), and its lowest is earnings (42/100; 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.28%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity83/100
Loans ÷ shares: 76.9% · 4.4% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.40%

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

From Q2 2025 to Q2 2026, the score rose 6 points (58 → 64), mostly because the earnings component improved by 15 points.

TellerScore
566064Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202460
Q4 202460
Q1 202556
Q2 202558
Q3 202563
Q4 202562
Q1 202662
Q2 202664
Net worth ratio
7.00%8.81%10.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.27%
Q3 202410.31%
Q4 202410.62%
Q1 202510.13%
Q2 202510.18%
Q3 202510.29%
Q4 202510.26%
Q1 202610.12%
Q2 202610.28%
Delinquent loans (60+ days)
0.58%0.88%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.92%
Q3 20240.89%
Q4 20241.09%
Q1 20251.18%
Q2 20251.03%
Q3 20250.58%
Q4 20250.79%
Q1 20260.84%
Q2 20260.75%
Return on assets
0.18%0.37%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.27%
Q3 20240.38%
Q4 20240.46%
Q1 20250.18%
Q2 20250.18%
Q3 20250.22%
Q4 20250.33%
Q1 20260.48%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$851.9M10.28%0.75%0.55%76.9%
Q1 202662$851.9M10.12%0.84%0.48%77.4%
Q4 202562$830.3M10.26%0.79%0.33%80.6%
Q3 202563$824.4M10.29%0.58%0.22%82.3%
Q2 202558$827.4M10.18%1.03%0.18%82.3%
Q1 202556$827.7M10.13%1.18%0.18%83.2%
Q4 202460$808.5M10.62%1.09%0.46%86.3%
Q3 202460$830.3M10.31%0.89%0.38%86.4%
Q2 202459$821.7M10.27%0.92%0.27%84.8%

1,341 peers · $100 million – $1 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 ratio10.28%
33rd
Problem loans0.75%
46th
Net charge-offs1.06%
8th
Return on assets0.55%
35th
Loans to deposits76.9%
48th
Uninsured deposits4.4%
67th
Loan-loss reserves0.00%
50th
Texas ratio5.4%
35th

Similar-size credit unions in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Heartland Credit UnionCredit union Hutchinson, KS66 out of 100, Moderate$726.4M9.8%1.20%vs
Mainstreet Federal Credit UnionCredit union Lenexa, KS70 out of 100, Strong$702.7M9.9%0.71%vs
Envista Federal Credit UnionCredit union Topeka, KS72 out of 100, Strong$693.4M10.8%0.31%vs
Mid American Credit UnionCredit union Wichita, KS58 out of 100, Moderate$531.9M8.9%0.47%vs
Skyward Credit UnionCredit union Wichita, KS60 out of 100, Moderate$467.4M9.9%0.86%vs
Wichita Federal Credit UnionCredit union Wichita, KS63 out of 100, Moderate$280.5M14.5%2.11%vs

Deposit insurance

Is my money safe at Azura Credit Union?

Yes. Azura Credit Union is a federally insured credit union (NCUA charter #61823). 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 4.4% of shares and deposits ($32.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.28%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Azura Credit Union lists 9 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Azura Credit Union reported 646 home-loan applications under HMDA (LEI 549300CPT4UV65RIEU74): 121 originated ($6,965,000 total), 239 denied, and 204 withdrawn or closed by the applicant. Its denial rate on decided applications was 54.1%, 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
Azura Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61823
RSSD ID
711696
Primary regulator
State + NCUA
Established
1956
Headquarters
PO Box 1128, Topeka, KS 66601
Employees
190

Quick answers

Azura Credit Union: common questions

Is Azura Credit Union NCUA insured?

Yes. Azura Credit Union is a federally insured credit union (NCUA charter #61823). 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 Azura Credit Union's TellerScore?

64 out of 100 (Moderate), 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 Azura Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Topeka

InstitutionScoreAssetsCapitalProblem loansCompare
Topeka Firemen'S Credit UnionCredit union Topeka, KS92 out of 100, Very strong$11.7M25.8%0.03%vs
Empower Blue Credit UnionCredit union Topeka, KS88 out of 100, Very strong$55.1M18.1%0.10%vs
Topeka Police Credit UnionCredit union Topeka, KS88 out of 100, Very strong$6.3M15.7%0.05%vs
The Denison State BankBank Holton, KS87 out of 100, Very strong$453.6M17.5%1.08%vs
1st Kansas Credit UnionCredit union Topeka, KS86 out of 100, Very strong$12.2M19.9%0.41%vs
Kaw Valley State Bank and Trust CompanyBank Wamego, KS85 out of 100, Very strong$295.8M11.7%0.08%vs