Arizona Central

Phoenix, AZ · 2 · Charter #62881 · www.azcentralcu.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
$722.4M
80th percentile
Members
47,159
84th percentile
Total loans
$596.1M
89th percentile
Total shares
$636.9M
84th percentile

Profitability

Return on assets
0.73%
35th percentile
Net interest margin
3.89%
76th percentile
Efficiency ratio
67.87%
17th percentile
Non-interest income ratio
21.09%
63th percentile

Capital & Risk

Net worth ratio
8.67%
12th percentile
Delinquency rate
0.69%
52th percentile
Net charge-off rate
0.54%
37th percentile
Loan-to-share
93.58%
82th percentile

Growth

Member growth YoY
-6.77%
6th percentile
Asset growth YoY
4.87%
47th percentile
Loan growth YoY
3.42%
46th percentile
Share growth YoY
1.42%
21th percentile

Operations

Members / branch
4,716
51th percentile
Assets / member
$15,319
42th percentile
Field of membership penetration
0.62%
8th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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