TellerScore

Headquartered in Winslow, Arizona, Winslow School Employees Federal Credit Union is a federal credit union with $5.2M in total assets and $4.2M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1956.

Based on its Q2 2026 filing, Winslow School Employees Federal Credit Union scores 92/100, which we describe as very strong. That is higher than 92% of 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in Arizona, it ranks 3rd. Its strongest component is capital cushion (100/100; 18.49%), and its lowest is earnings (75/100; 1.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.49%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.06%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity86/100
Loans ÷ shares: 74.0% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.20%

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 3 points (89 → 92), mostly because the funding & liquidity component improved by 12 points.

TellerScore
738392Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202481
Q4 202482
Q1 202573
Q2 202589
Q3 202586
Q4 202587
Q1 202687
Q2 202692
Net worth ratio
7.00%12.75%18.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.35%
Q3 202416.11%
Q4 202417.01%
Q1 202516.87%
Q2 202517.12%
Q3 202518.01%
Q4 202518.16%
Q1 202618.03%
Q2 202618.49%
Delinquent loans (60+ days)
0.00%0.71%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20251.42%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.04%
Q2 20260.06%
Return on assets
-0.41%0.48%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.41%
Q3 20240.41%
Q4 20240.54%
Q1 20250.82%
Q2 20251.13%
Q3 20250.75%
Q4 20250.75%
Q1 20260.73%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$5.2M18.49%0.06%1.37%74.0%
Q1 202687$5.1M18.03%0.04%0.73%75.3%
Q4 202587$5.1M18.16%0.00%0.75%81.8%
Q3 202586$5.1M18.01%0.00%0.75%85.1%
Q2 202589$5.3M17.12%0.00%1.13%85.9%
Q1 202573$5.3M16.87%1.42%0.82%92.6%
Q4 202482$5.2M17.01%0.00%0.54%102.3%
Q3 202481$5.4M16.11%0.00%0.41%102.9%
Q2 202475$5.5M15.35%0.00%-0.41%99.5%

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 ratio18.49%
71st
Problem loans0.06%
82nd
Net charge-offs0.09%
58th
Return on assets1.37%
82nd
Loans to deposits74.0%
27th
Uninsured deposits0.0%
81st
Loan-loss reserves1.19%
85th
Texas ratio0.2%
81st

Similar-size credit unions in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
U-Haul Federal Credit UnionCredit union Phoenix, AZ45 out of 100, Below average$6.6M10.1%7.14%vs
Prescott Federal Credit UnionCredit union Prescott, AZ49 out of 100, Below average$11.1M6.1%0.46%vs
Em Federal Credit UnionCredit union Mesa, AZ86 out of 100, Very strong$11.7M15.7%0.24%vs
Winslow Santa Fe Credit UnionCredit union Winslow, AZ93 out of 100, Very strong$15.0M14.6%0.31%vs
Rim Country Federal Credit UnionCredit union Snowflake, AZ70 out of 100, Strong$24.6M12.9%1.33%vs
Alhambra Credit UnionCredit union Phoenix, AZ58 out of 100, Moderate$33.8M9.2%0.86%vs

Deposit insurance

Is my money safe at Winslow School Employees Federal Credit Union?

Yes. Winslow School Employees Federal Credit Union is a federally insured credit union (NCUA charter #11459). 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 0.0% of shares and deposits ($0) 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 18.49%, 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

Winslow School Employees Federal Credit Union lists 2 offices in 1 city. Most locations:

  • Winslow, AZ (2)

All branch addresses and map

Identity & history

Profile

Legal name
Winslow School Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
11459
RSSD ID
738189
Primary regulator
NCUA
Established
1956
Headquarters
1520 W Third St, Winslow, AZ 86047
Employees
2

Quick answers

Winslow School Employees Federal Credit Union: common questions

Is Winslow School Employees Federal Credit Union NCUA insured?

Yes. Winslow School Employees Federal Credit Union is a federally insured credit union (NCUA charter #11459). 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 Winslow School Employees Federal Credit Union's TellerScore?

92 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 Winslow School Employees Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Winslow

InstitutionScoreAssetsCapitalProblem loansCompare
Winslow Santa Fe Credit UnionCredit union Winslow, AZ93 out of 100, Very strong$15.0M14.6%0.31%vs
BMO Bank National AssociationBank Chicago, IL58 out of 100, Moderate$255.0B11.3%0.92%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs