TellerScore

Tucson Federal Credit Union is a federal credit union headquartered in Tucson, Arizona, in business for about 89 years. At the end of Q2 2026 it reported $1.0B in total assets and $769.5M in member shares and deposits, with 3 offices.

Tucson Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 454 credit unions with $1 billion – $10 billion. Among 33 credit unions headquartered in Arizona, it ranks 24th. Funding & liquidity contributes the most (98/100, 63% loans-to-deposits, 5% uninsured); loan quality contributes the least (52/100, 1.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.94%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.43%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity98/100
Loans ÷ shares: 62.7% · 4.8% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.69%

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 (77 → 65), mostly because the earnings component weakened by 28 points.

TellerScore
657483Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202478
Q4 202478
Q1 202578
Q2 202577
Q3 202574
Q4 202570
Q1 202665
Q2 202665
Net worth ratio
7.00%9.76%12.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.44%
Q3 202412.19%
Q4 202412.52%
Q1 202512.17%
Q2 202511.85%
Q3 202511.85%
Q4 202511.54%
Q1 202611.09%
Q2 202610.94%
Delinquent loans (60+ days)
0.77%1.13%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.83%
Q3 20241.02%
Q4 20241.05%
Q1 20250.77%
Q2 20250.97%
Q3 20251.22%
Q4 20251.48%
Q1 20261.19%
Q2 20261.43%
Return on assets
0.49%1.24%1.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.99%
Q3 20241.68%
Q4 20241.59%
Q1 20251.34%
Q2 20251.61%
Q3 20251.55%
Q4 20251.43%
Q1 20260.49%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$1.0B10.94%1.43%0.89%62.7%
Q1 202665$971.4M11.09%1.19%0.49%63.7%
Q4 202570$925.4M11.54%1.48%1.43%65.0%
Q3 202574$875.5M11.85%1.22%1.55%68.3%
Q2 202577$846.8M11.85%0.97%1.61%69.0%
Q1 202578$790.7M12.17%0.77%1.34%70.6%
Q4 202478$749.4M12.52%1.05%1.59%71.9%
Q3 202478$749.0M12.19%1.02%1.68%71.5%
Q2 202483$715.7M12.44%0.83%1.99%70.5%

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 ratio10.94%
52nd
Problem loans1.43%
12th
Net charge-offs2.17%
1st
Return on assets0.89%
59th
Loans to deposits62.7%
91st
Uninsured deposits4.8%
89th
Loan-loss reserves0.00%
50th
Texas ratio6.7%
30th

Similar-size credit unions in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
Credit Union WestCredit union Glendale, AZ66 out of 100, Moderate$1.5B10.5%0.38%vs
Pima Federal Credit UnionCredit union Tucson, AZ68 out of 100, Moderate$1.7B9.4%0.56%vs
Truwest Credit UnionCredit union Scottsdale, AZ66 out of 100, Moderate$1.7B11.0%0.68%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 Tucson Federal Credit Union?

Yes. Tucson Federal Credit Union is a federally insured credit union (NCUA charter #2157). 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 4.8% of shares and deposits ($37.2M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.94%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Tucson Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Visa Platinum Preferred Credit Card14.00% – 16.75%$0$301.0%

All Tucson Federal Credit Union card terms

Identity & history

Profile

Legal name
Tucson Federal Credit Union
Type
Federal credit union
NCUA charter #
2157
RSSD ID
171777
Primary regulator
NCUA
Established
1937
Headquarters
Po Box 42435, Tucson, AZ 85733
Employees
189

Quick answers

Tucson Federal Credit Union: common questions

Is Tucson Federal Credit Union NCUA insured?

Yes. Tucson Federal Credit Union is a federally insured credit union (NCUA charter #2157). 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 Tucson Federal Credit Union's TellerScore?

65 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 Tucson Federal Credit Union have?

3 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