TellerScore

Hughes Federal Credit Union is a federal credit union headquartered in Tucson, Arizona, in business for about 75 years. At the end of Q2 2026 it reported $2.6B in total assets and $2.4B in member shares and deposits, with 7 offices.

Based on its Q2 2026 filing, Hughes Federal Credit Union scores 38/100, which we describe as low. That is higher than only 1% of 454 credit unions with $1 billion – $10 billion. Among 33 credit unions headquartered in Arizona, it ranks 33rd. Its strongest component is funding & liquidity (71/100; 89% loans-to-deposits, 9% uninsured), and its lowest is loan quality (24/100; 2.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Net worth ratio: 8.86%
Loan quality24/100
Loans 60+ days delinquent ÷ total loans: 2.28%
Earnings25/100
Return on assets (annualized): 0.12%
Funding & liquidity71/100
Loans ÷ shares: 88.8% · 9.5% uninsured
Problem-loan coverage51/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 24.53%

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 fell 12 points (50 → 38), mostly because the loan quality component weakened by 28 points.

TellerScore
324353Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202449
Q4 202445
Q1 202553
Q2 202550
Q3 202545
Q4 202532
Q1 202643
Q2 202638
Net worth ratio
7.00%8.64%10.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.22%
Q3 202410.28%
Q4 20249.94%
Q1 20259.62%
Q2 20259.28%
Q3 20259.30%
Q4 20258.78%
Q1 20268.75%
Q2 20268.86%
Delinquent loans (60+ days)
1.35%2.11%2.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.68%
Q3 20241.75%
Q4 20241.86%
Q1 20251.35%
Q2 20251.44%
Q3 20251.95%
Q4 20252.86%
Q1 20261.96%
Q2 20262.28%
Return on assets
0.09%0.31%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.17%
Q3 20240.14%
Q4 20240.13%
Q1 20250.52%
Q2 20250.38%
Q3 20250.38%
Q4 20250.09%
Q1 20260.32%
Q2 20260.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202638$2.6B8.86%2.28%0.12%88.8%
Q1 202643$2.6B8.75%1.96%0.32%87.2%
Q4 202532$2.6B8.78%2.86%0.09%90.0%
Q3 202545$2.6B9.30%1.95%0.38%91.8%
Q2 202550$2.6B9.28%1.44%0.38%92.5%
Q1 202553$2.5B9.62%1.35%0.52%95.0%
Q4 202445$2.3B9.94%1.86%0.13%97.0%
Q3 202449$2.3B10.28%1.75%0.14%90.6%
Q2 202450$2.3B10.22%1.68%0.17%85.0%

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 ratio8.86%
9th
Problem loans2.28%
2nd
Net charge-offs2.85%
0th
Return on assets0.12%
6th
Loans to deposits88.8%
47th
Uninsured deposits9.5%
48th
Loan-loss reserves0.00%
50th
Texas ratio24.5%
1st

Similar-size credit unions in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
Vantage West Credit UnionCredit union Tucson, AZ63 out of 100, Moderate$3.3B10.3%0.84%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
Arizona Financial Credit UnionCredit union Phoenix, AZ76 out of 100, Strong$3.9B11.8%0.39%vs
Tucson Federal Credit UnionCredit union Tucson, AZ65 out of 100, Moderate$1.0B10.9%1.43%vs

Deposit insurance

Is my money safe at Hughes Federal Credit Union?

Yes. Hughes Federal Credit Union is a federally insured credit union (NCUA charter #7531). 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 9.5% of shares and deposits ($223.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 8.86%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Hughes Federal Credit Union lists 7 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Hughes Federal Credit Union reported 696 home-loan applications under HMDA (LEI 549300HPQK71BCBQVT93): 301 originated ($22,885,000 total), 173 denied, and 102 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.1%, 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
Hughes Federal Credit Union
Type
Federal credit union
NCUA charter #
7531
RSSD ID
380588
Primary regulator
NCUA
Established
1951
Headquarters
PO Box 11900, Tucson, AZ 85734
Employees
342

Quick answers

Hughes Federal Credit Union: common questions

Is Hughes Federal Credit Union NCUA insured?

Yes. Hughes Federal Credit Union is a federally insured credit union (NCUA charter #7531). 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 Hughes Federal Credit Union's TellerScore?

38 out of 100 (Low), 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 Hughes Federal Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tucson

InstitutionScoreAssetsCapitalProblem loansCompare
Busey BankBank Champaign, IL74 out of 100, Strong$18.1B12.4%0.51%vs
Southwest Heritage BankBank Scottsdale, AZ73 out of 100, Strong$892.8M13.4%0.67%vs
Academy Bank, National AssociationBank Kansas City, MO73 out of 100, Strong$3.2B14.3%1.05%vs
Oneaz Credit UnionCredit union Phoenix, AZ71 out of 100, Strong$4.5B10.4%0.66%vs
Pima Federal Credit UnionCredit union Tucson, AZ68 out of 100, Moderate$1.7B9.4%0.56%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs