TellerScore

Pima 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 $1.7B in total assets and $1.5B in member shares and deposits, with 6 offices.

Pima Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than 50% of its 454 credit unions with $1 billion – $10 billion. Among 33 credit unions headquartered in Arizona, it ranks 19th. Problem-loan coverage contributes the most (91/100, 4.3%); capital cushion contributes the least (44/100, 9.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.40%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.56%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity82/100
Loans ÷ shares: 78.3% · 11.8% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.26%

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 (68 → 68).

TellerScore
687174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202473
Q1 202574
Q2 202568
Q3 202570
Q4 202571
Q1 202672
Q2 202668
Net worth ratio
7.00%8.71%10.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.17%
Q3 202410.05%
Q4 202410.32%
Q1 202510.41%
Q2 20259.05%
Q3 20259.45%
Q4 20259.46%
Q1 20269.26%
Q2 20269.40%
Delinquent loans (60+ days)
0.10%0.33%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.13%
Q4 20240.21%
Q1 20250.10%
Q2 20250.26%
Q3 20250.34%
Q4 20250.29%
Q1 20260.16%
Q2 20260.56%
Return on assets
0.95%1.11%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.05%
Q3 20241.03%
Q4 20241.11%
Q1 20250.95%
Q2 20251.05%
Q3 20251.26%
Q4 20251.27%
Q1 20261.13%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.7B9.40%0.56%1.19%78.3%
Q1 202672$1.7B9.26%0.16%1.13%76.1%
Q4 202571$1.6B9.46%0.29%1.27%82.1%
Q3 202570$1.5B9.45%0.34%1.26%87.1%
Q2 202568$1.5B9.05%0.26%1.05%84.4%
Q1 202574$1.3B10.41%0.10%0.95%82.4%
Q4 202473$1.3B10.32%0.21%1.11%83.2%
Q3 202473$1.3B10.05%0.13%1.03%82.7%
Q2 202473$1.2B10.17%0.15%1.05%84.1%

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 ratio9.40%
17th
Problem loans0.56%
64th
Net charge-offs0.42%
62nd
Return on assets1.19%
80th
Loans to deposits78.3%
75th
Uninsured deposits11.8%
29th
Loan-loss reserves0.00%
50th
Texas ratio4.3%
56th

Similar-size credit unions in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
Truwest Credit UnionCredit union Scottsdale, AZ66 out of 100, Moderate$1.7B11.0%0.68%vs
Credit Union WestCredit union Glendale, AZ66 out of 100, Moderate$1.5B10.5%0.38%vs
Tucson Federal Credit UnionCredit union Tucson, AZ65 out of 100, Moderate$1.0B10.9%1.43%vs
Hughes Federal Credit UnionCredit union Tucson, AZ38 out of 100, Low$2.6B8.9%2.28%vs
Vantage West Credit UnionCredit union Tucson, AZ63 out of 100, Moderate$3.3B10.3%0.84%vs
Arizona Financial Credit UnionCredit union Phoenix, AZ76 out of 100, Strong$3.9B11.8%0.39%vs

Deposit insurance

Is my money safe at Pima Federal Credit Union?

Yes. Pima Federal Credit Union is a federally insured credit union (NCUA charter #7316). 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 11.8% of shares and deposits ($180.0M) 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 9.40%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Pima Federal Credit Union lists 6 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pima Federal Credit Union reported 726 home-loan applications under HMDA (LEI 549300EZHVOHDWG07M20): 480 originated ($129,180,000 total), 132 denied, and 103 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.2%, 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
Pima Federal Credit Union
Type
Federal credit union
NCUA charter #
7316
RSSD ID
549385
Primary regulator
NCUA
Established
1951
Headquarters
6850 N Oracle Rd, Tucson, AZ 85704
Employees
170

Quick answers

Pima Federal Credit Union: common questions

Is Pima Federal Credit Union NCUA insured?

Yes. Pima Federal Credit Union is a federally insured credit union (NCUA charter #7316). 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 Pima Federal Credit Union's TellerScore?

68 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 Pima Federal Credit Union have?

6 offices as of the latest NCUA data.