Copper State

Phoenix, AZ · 2 · Charter #68502 · www.copperstatecu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$644.8M
72th percentile
Members
37,655
71th percentile
Total loans
$439.2M
73th percentile
Total shares
$554.9M
75th percentile

Profitability

Return on assets
1.46%
80th percentile
Net interest margin
3.46%
51th percentile
Efficiency ratio
56.98%
60th percentile
Non-interest income ratio
30.59%
93th percentile

Capital & Risk

Net worth ratio
8.83%
14th percentile
Delinquency rate
0.81%
40th percentile
Net charge-off rate
0.52%
38th percentile
Loan-to-share
79.14%
46th percentile

Growth

Member growth YoY
-13.32%
1th percentile
Asset growth YoY
8.90%
80th percentile
Loan growth YoY
1.54%
36th percentile
Share growth YoY
5.75%
61th percentile

Operations

Members / branch
5,379
64th percentile
Assets / member
$17,125
58th percentile
Field of membership penetration
0.56%
7th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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