TellerScore

Pyramid Federal Credit Union is a federal credit union headquartered in Tucson, Arizona, in business for about 97 years. At the end of Q2 2026 it reported $247.9M in total assets and $225.2M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Pyramid Federal Credit Union scores 59/100, which we describe as moderate. That is higher than only 19% of 1,341 credit unions with $100 million – $1 billion. Among 33 credit unions headquartered in Arizona, it ranks 28th. Its strongest component is funding & liquidity (96/100; 64% loans-to-deposits, 4% uninsured), and its lowest is earnings (37/100; 0.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.57%
Loan quality50/100
Loans 60+ days delinquent ÷ total loans: 1.51%
Earnings37/100
Return on assets (annualized): 0.42%
Funding & liquidity96/100
Loans ÷ shares: 63.8% · 3.6% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.30%

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 6 points (65 → 59), mostly because the loan quality component weakened by 12 points.

TellerScore
566472Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202460
Q4 202456
Q1 202572
Q2 202565
Q3 202560
Q4 202558
Q1 202665
Q2 202659
Net worth ratio
7.00%8.79%10.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.39%
Q3 202410.36%
Q4 202410.34%
Q1 202510.54%
Q2 202510.38%
Q3 202510.25%
Q4 202510.47%
Q1 202610.48%
Q2 202610.57%
Delinquent loans (60+ days)
1.10%1.47%1.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.10%
Q3 20241.45%
Q4 20241.76%
Q1 20251.12%
Q2 20251.13%
Q3 20251.48%
Q4 20251.84%
Q1 20261.35%
Q2 20261.51%
Return on assets
0.42%0.94%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20240.60%
Q4 20240.47%
Q1 20251.46%
Q2 20250.68%
Q3 20250.44%
Q4 20250.57%
Q1 20261.00%
Q2 20260.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$247.9M10.57%1.51%0.42%63.8%
Q1 202665$252.2M10.48%1.35%1.00%62.0%
Q4 202558$246.5M10.47%1.84%0.57%60.8%
Q3 202560$248.0M10.25%1.48%0.44%60.6%
Q2 202565$250.4M10.38%1.13%0.68%61.3%
Q1 202572$248.3M10.54%1.12%1.46%61.1%
Q4 202456$238.2M10.34%1.76%0.47%65.1%
Q3 202460$236.4M10.36%1.45%0.60%66.9%
Q2 202468$238.0M10.39%1.10%1.08%64.7%

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 ratio10.57%
37th
Problem loans1.51%
13th
Net charge-offs0.52%
33rd
Return on assets0.42%
25th
Loans to deposits63.8%
72nd
Uninsured deposits3.6%
76th
Loan-loss reserves0.00%
50th
Texas ratio8.3%
19th

Similar-size credit unions in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
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
Coconino Federal Credit UnionCredit union Flagstaff, AZ77 out of 100, Strong$126.0M10.9%0.09%vs
First American Credit UnionCredit union Casa Grande, AZ78 out of 100, Strong$120.0M12.7%0.33%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 Pyramid Federal Credit Union?

Yes. Pyramid Federal Credit Union is a federally insured credit union (NCUA charter #24826). 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 3.6% of shares and deposits ($8.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.57%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Pyramid Federal Credit Union lists 5 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pyramid Federal Credit Union
Type
Federal credit union
NCUA charter #
24826
RSSD ID
112592
Primary regulator
NCUA
Established
1929
Headquarters
PO Box 12100, Tucson, AZ 85732
Employees
59

Quick answers

Pyramid Federal Credit Union: common questions

Is Pyramid Federal Credit Union NCUA insured?

Yes. Pyramid Federal Credit Union is a federally insured credit union (NCUA charter #24826). 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 Pyramid Federal Credit Union's TellerScore?

59 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 Pyramid Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tucson

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Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs