TellerScore

Headquartered in Phoenix, Arizona, Banner Federal Credit Union is a federal credit union with $65.2M in total assets and $56.4M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1957.

Based on its Q2 2026 filing, Banner Federal Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in Arizona, it ranks 7th. Its strongest component is funding & liquidity (100/100; 41% loans-to-deposits, 5% uninsured), and its lowest is earnings (53/100; 0.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.48%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.70%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity100/100
Loans ÷ shares: 41.1% · 5.2% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.85%

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 5 points (75 → 80), mostly because the capital cushion component improved by 12 points.

TellerScore
697581Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202476
Q4 202469
Q1 202574
Q2 202575
Q3 202580
Q4 202581
Q1 202676
Q2 202680
Net worth ratio
7.00%10.24%13.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.82%
Q3 202412.39%
Q4 202412.37%
Q1 202512.10%
Q2 202512.28%
Q3 202512.94%
Q4 202513.15%
Q1 202613.09%
Q2 202613.48%
Delinquent loans (60+ days)
0.55%0.92%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.75%
Q3 20240.71%
Q4 20241.28%
Q1 20250.69%
Q2 20250.77%
Q3 20250.62%
Q4 20250.60%
Q1 20260.55%
Q2 20260.70%
Return on assets
0.33%0.66%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.62%
Q3 20240.72%
Q4 20240.55%
Q1 20250.65%
Q2 20250.80%
Q3 20250.98%
Q4 20250.98%
Q1 20260.33%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$65.2M13.48%0.70%0.83%41.1%
Q1 202676$65.4M13.09%0.55%0.33%41.3%
Q4 202581$64.8M13.15%0.60%0.98%43.6%
Q3 202580$64.5M12.94%0.62%0.98%46.0%
Q2 202575$66.3M12.28%0.77%0.80%43.7%
Q1 202574$66.0M12.10%0.69%0.65%43.5%
Q4 202469$63.7M12.37%1.28%0.55%46.2%
Q3 202476$63.6M12.39%0.71%0.72%48.1%
Q2 202473$65.4M11.82%0.75%0.62%45.7%

2,479 peers · Under $100 million in assets

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 ratio13.48%
43rd
Problem loans0.70%
50th
Net charge-offs0.38%
34th
Return on assets0.83%
59th
Loans to deposits41.1%
77th
Uninsured deposits5.2%
20th
Loan-loss reserves0.00%
37th
Texas ratio1.8%
54th

Similar-size credit unions in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
Mohave Community Federal Credit UnionCredit union Kingman, AZ69 out of 100, Moderate$61.4M12.9%1.81%vs
Cochise Credit UnionCredit union Willcox, AZ86 out of 100, Very strong$74.5M17.7%1.29%vs
Marisol Federal Credit UnionCredit union Phoenix, AZ76 out of 100, Strong$49.1M13.7%0.58%vs
Southeastern Arizona Federal Credit UnionCredit union Douglas, AZ95 out of 100, Very strong$48.3M15.1%0.61%vs
Alhambra Credit UnionCredit union Phoenix, AZ58 out of 100, Moderate$33.8M9.2%0.86%vs
Rim Country Federal Credit UnionCredit union Snowflake, AZ70 out of 100, Strong$24.6M12.9%1.33%vs

Deposit insurance

Is my money safe at Banner Federal Credit Union?

Yes. Banner Federal Credit Union is a federally insured credit union (NCUA charter #11680). 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 5.2% of shares and deposits ($3.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.48%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Banner Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Banner Federal Credit Union
Type
Federal credit union
NCUA charter #
11680
RSSD ID
674988
Primary regulator
NCUA
Established
1957
Headquarters
9321 W Thomas Rd, Ste 125, Phoenix, AZ 85037
Employees
15

Quick answers

Banner Federal Credit Union: common questions

Is Banner Federal Credit Union NCUA insured?

Yes. Banner Federal Credit Union is a federally insured credit union (NCUA charter #11680). 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 Banner Federal Credit Union's TellerScore?

80 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 Banner Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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