TellerScore

Coconino Federal Credit Union is a federal credit union headquartered in Flagstaff, Arizona, in business for about 71 years. At the end of Q2 2026 it reported $126.0M in total assets and $111.2M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Coconino Federal Credit Union scores 77/100, which we describe as strong. That is higher than 71% of 1,341 credit unions with $100 million – $1 billion. Among 33 credit unions headquartered in Arizona, it ranks 11th. Its strongest component is funding & liquidity (100/100; 52% loans-to-deposits, 5% uninsured), and its lowest is earnings (49/100; 0.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.86%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.09%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity100/100
Loans ÷ shares: 52.5% · 5.4% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.40%

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 (71 → 77), mostly because the capital cushion component improved by 9 points.

TellerScore
677277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202469
Q1 202567
Q2 202571
Q3 202572
Q4 202576
Q1 202676
Q2 202677
Net worth ratio
7.00%8.93%10.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.48%
Q3 20249.78%
Q4 202410.00%
Q1 20259.82%
Q2 202510.03%
Q3 202510.19%
Q4 202510.51%
Q1 202610.67%
Q2 202610.86%
Delinquent loans (60+ days)
0.09%0.38%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.54%
Q4 20240.67%
Q1 20250.25%
Q2 20250.26%
Q3 20250.32%
Q4 20250.27%
Q1 20260.20%
Q2 20260.09%
Return on assets
0.06%0.54%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.40%
Q3 20240.70%
Q4 20240.74%
Q1 20250.06%
Q2 20250.53%
Q3 20250.72%
Q4 20251.02%
Q1 20260.85%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$126.0M10.86%0.09%0.73%52.5%
Q1 202676$126.5M10.67%0.20%0.85%52.7%
Q4 202576$125.9M10.51%0.27%1.02%53.8%
Q3 202572$123.8M10.19%0.32%0.72%54.2%
Q2 202571$122.3M10.03%0.26%0.53%54.9%
Q1 202567$121.8M9.82%0.25%0.06%55.0%
Q4 202469$119.5M10.00%0.67%0.74%57.6%
Q3 202469$119.4M9.78%0.54%0.70%57.8%
Q2 202468$119.2M9.48%0.29%0.40%57.8%

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 ratio10.86%
42nd
Problem loans0.09%
95th
Net charge-offs1.02%
9th
Return on assets0.73%
49th
Loans to deposits52.5%
88th
Uninsured deposits5.4%
55th
Loan-loss reserves0.00%
50th
Texas ratio0.4%
95th

Similar-size credit unions in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
First American Credit UnionCredit union Casa Grande, AZ78 out of 100, Strong$120.0M12.7%0.33%vs
Pyramid Federal Credit UnionCredit union Tucson, AZ59 out of 100, Moderate$247.9M10.6%1.51%vs
Landings Credit UnionCredit union Tempe, AZ71 out of 100, Strong$263.2M10.7%0.79%vs
Pinal County Federal Credit UnionCredit union Casa Grande, AZ68 out of 100, Moderate$338.8M9.9%0.53%vs
Aero Federal Credit UnionCredit union Glendale, AZ79 out of 100, Strong$364.4M12.0%0.11%vs
Avenir Financial Federal Credit UnionCredit union Yuma, AZ72 out of 100, Strong$400.9M12.8%0.39%vs

Deposit insurance

Is my money safe at Coconino Federal Credit Union?

Yes. Coconino Federal Credit Union is a federally insured credit union (NCUA charter #10335). 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 5.4% of shares and deposits ($6.0M) 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 10.86%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Coconino Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Coconino Federal Credit Union
Type
Federal credit union
NCUA charter #
10335
RSSD ID
757788
Primary regulator
NCUA
Established
1955
Headquarters
2800 S Woodlands Village Blvd, Flagstaff, AZ 86001
Employees
25

Quick answers

Coconino Federal Credit Union: common questions

Is Coconino Federal Credit Union NCUA insured?

Yes. Coconino Federal Credit Union is a federally insured credit union (NCUA charter #10335). 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 Coconino Federal Credit Union's TellerScore?

77 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 Coconino Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Flagstaff

InstitutionScoreAssetsCapitalProblem loansCompare
Desert Financial Credit UnionCredit union Phoenix, AZ80 out of 100, Strong$9.9B12.1%0.47%vs
Bank of ColoradoBank Fort Collins, CO74 out of 100, Strong$7.6B10.5%0.10%vs
Oneaz Credit UnionCredit union Phoenix, AZ71 out of 100, Strong$4.5B10.4%0.66%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
Zions Bancorporation, N.A.Bank Salt Lake City, UT67 out of 100, Moderate$89.0B9.4%0.47%vs
Sunwest BankBank Sandy, UT63 out of 100, Moderate$4.4B9.7%0.60%vs