TellerScore

Headquartered in Douglas, Arizona, Southeastern Arizona Federal Credit Union is a federal credit union with $48.3M in total assets and $40.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1954.

Southeastern Arizona Federal Credit Union has a TellerScore of 95 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in Arizona, it ranks 1st. Capital cushion contributes the most (100/100, 15.05%); loan quality contributes the least (80/100, 0.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.05%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.61%
Earnings100/100
Return on assets (annualized): 2.27%
Funding & liquidity100/100
Loans ÷ shares: 47.7% · 3.1% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.70%

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 7 points (88 → 95), mostly because the capital cushion component improved by 12 points.

TellerScore
838995Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202485
Q4 202487
Q1 202585
Q2 202588
Q3 202585
Q4 202588
Q1 202693
Q2 202695
Net worth ratio
7.00%11.03%15.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.13%
Q3 202412.77%
Q4 202413.34%
Q1 202513.01%
Q2 202513.77%
Q3 202514.25%
Q4 202514.49%
Q1 202614.28%
Q2 202615.05%
Delinquent loans (60+ days)
0.55%0.85%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.55%
Q3 20240.58%
Q4 20240.58%
Q1 20250.81%
Q2 20250.81%
Q3 20251.15%
Q4 20250.76%
Q1 20260.56%
Q2 20260.61%
Return on assets
1.58%1.92%2.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.63%
Q3 20241.62%
Q4 20241.63%
Q1 20251.79%
Q2 20251.83%
Q3 20251.70%
Q4 20251.58%
Q1 20262.26%
Q2 20262.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$48.3M15.05%0.61%2.27%47.7%
Q1 202693$49.0M14.28%0.56%2.26%46.7%
Q4 202588$46.4M14.49%0.76%1.58%48.4%
Q3 202585$46.2M14.25%1.15%1.70%50.5%
Q2 202588$46.8M13.77%0.81%1.83%50.9%
Q1 202585$47.8M13.01%0.81%1.79%52.0%
Q4 202487$45.1M13.34%0.58%1.63%57.4%
Q3 202485$45.6M12.77%0.58%1.62%55.5%
Q2 202483$46.8M12.13%0.55%1.63%53.0%

2,479 peers · Under $100 million in assets

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 ratio15.05%
54th
Problem loans0.61%
54th
Net charge-offs0.61%
23rd
Return on assets2.27%
96th
Loans to deposits47.7%
68th
Uninsured deposits3.1%
35th
Loan-loss reserves0.00%
37th
Texas ratio1.7%
56th

Similar-size credit unions in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
Marisol Federal Credit UnionCredit union Phoenix, AZ76 out of 100, Strong$49.1M13.7%0.58%vs
Mohave Community Federal Credit UnionCredit union Kingman, AZ69 out of 100, Moderate$61.4M12.9%1.81%vs
Alhambra Credit UnionCredit union Phoenix, AZ58 out of 100, Moderate$33.8M9.2%0.86%vs
Banner Federal Credit UnionCredit union Phoenix, AZ80 out of 100, Strong$65.2M13.5%0.70%vs
Rim Country Federal Credit UnionCredit union Snowflake, AZ70 out of 100, Strong$24.6M12.9%1.33%vs
Cochise Credit UnionCredit union Willcox, AZ86 out of 100, Very strong$74.5M17.7%1.29%vs

Deposit insurance

Is my money safe at Southeastern Arizona Federal Credit Union?

Yes. Southeastern Arizona Federal Credit Union is a federally insured credit union (NCUA charter #9897). 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 3.1% of shares and deposits ($1.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.05%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Southeastern Arizona Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Benson, AZ (1)
  • Douglas, AZ (1)

All branch addresses and map

Identity & history

Profile

Legal name
Southeastern Arizona Federal Credit Union
Type
Federal credit union
NCUA charter #
9897
RSSD ID
3980
Primary regulator
NCUA
Established
1954
Headquarters
PO Box 1059, Douglas, AZ 85608
Employees
15

Quick answers

Southeastern Arizona Federal Credit Union: common questions

Is Southeastern Arizona Federal Credit Union NCUA insured?

Yes. Southeastern Arizona Federal Credit Union is a federally insured credit union (NCUA charter #9897). 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 Southeastern Arizona Federal Credit Union's TellerScore?

95 out of 100 (Very 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 Southeastern Arizona Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Douglas

InstitutionScoreAssetsCapitalProblem loansCompare
American Southwest Credit UnionCredit union Sierra Vista, AZ77 out of 100, Strong$440.0M11.3%0.88%vs
WaFd BankBank Seattle, WA61 out of 100, Moderate$27.6B9.2%0.63%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs