TellerScore

Oneaz Credit Union is a federally insured state-chartered credit union headquartered in Phoenix, Arizona, in business for about 54 years. At the end of Q2 2026 it reported $4.5B in total assets and $4.0B in member shares and deposits, with 20 offices.

Based on its Q2 2026 filing, Oneaz Credit Union scores 71/100, which we describe as strong. That is higher than 62% of 454 credit unions with $1 billion – $10 billion. Among 33 credit unions headquartered in Arizona, it ranks 15th. Its strongest component is problem-loan coverage (91/100; 4.6%), and its lowest is capital cushion (54/100; 10.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.44%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.66%
Earnings67/100
Return on assets (annualized): 1.16%
Funding & liquidity82/100
Loans ÷ shares: 76.5% · 16.9% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.57%

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 (71 → 71).

TellerScore
646974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202464
Q3 202471
Q4 202471
Q1 202564
Q2 202571
Q3 202569
Q4 202571
Q1 202674
Q2 202671
Net worth ratio
7.00%9.00%11.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.41%
Q3 20249.59%
Q4 20249.69%
Q1 20259.77%
Q2 20259.88%
Q3 20259.82%
Q4 202511.00%
Q1 202610.72%
Q2 202610.44%
Delinquent loans (60+ days)
0.21%0.56%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.91%
Q3 20240.21%
Q4 20240.28%
Q1 20250.89%
Q2 20250.28%
Q3 20250.27%
Q4 20250.31%
Q1 20260.55%
Q2 20260.66%
Return on assets
0.67%0.98%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.91%
Q3 20240.99%
Q4 20240.95%
Q1 20250.79%
Q2 20251.00%
Q3 20250.85%
Q4 20250.67%
Q1 20261.29%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$4.5B10.44%0.66%1.16%76.5%
Q1 202674$4.5B10.72%0.55%1.29%76.2%
Q4 202571$4.3B11.00%0.31%0.67%79.2%
Q3 202569$3.7B9.82%0.27%0.85%81.9%
Q2 202571$3.6B9.88%0.28%1.00%78.9%
Q1 202564$3.5B9.77%0.89%0.79%76.4%
Q4 202471$3.4B9.69%0.28%0.95%77.4%
Q3 202471$3.4B9.59%0.21%0.99%75.9%
Q2 202464$3.3B9.41%0.91%0.91%74.3%

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 ratio10.44%
39th
Problem loans0.66%
52nd
Net charge-offs0.44%
59th
Return on assets1.16%
78th
Loans to deposits76.5%
78th
Uninsured deposits16.9%
8th
Loan-loss reserves0.00%
50th
Texas ratio4.6%
53rd

Similar-size credit unions in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
Arizona Financial Credit UnionCredit union Phoenix, AZ76 out of 100, Strong$3.9B11.8%0.39%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 Oneaz Credit Union?

Yes. Oneaz Credit Union is a federally insured credit union (NCUA charter #61315). 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 16.9% of shares and deposits ($668.7M) 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 10.44%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

20 locations

Branches

Oneaz Credit Union lists 20 offices in 13 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Oneaz Credit Union reported 3,930 home-loan applications under HMDA (LEI 549300EWL25M8JXH2R78): 1,992 originated ($509,440,000 total), 1,183 denied, and 629 withdrawn or closed by the applicant. Its denial rate on decided applications was 35.8%, 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
Oneaz Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61315
RSSD ID
41496
Primary regulator
State + NCUA
Established
1972
Headquarters
2355 W Pinnacle Peak Rd, Phoenix, AZ 85027
Employees
593

Quick answers

Oneaz Credit Union: common questions

Is Oneaz Credit Union NCUA insured?

Yes. Oneaz Credit Union is a federally insured credit union (NCUA charter #61315). 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 Oneaz Credit Union's TellerScore?

71 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 Oneaz Credit Union have?

20 offices as of the latest NCUA data.

Nearby

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