TUCSON
Charter #2157 · TUCSON, AZ · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.03% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.89% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.19% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.66% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 68.96% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TUCSON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $971.41M | 97th pct | 51th pct |
| Members | 52,073 | 77th pct | 49th pct |
| Net worth ratio | 11.09% | 60th pct | 52th pct |
| Return on average assets | 0.51% | 41th pct | 28th pct |
| Net interest margin | 4.03% | 85th pct | 92th pct |
| Cost of funds | 1.89% | 77th pct | 85th pct |
| Loan-to-share | 63.68% | 15th pct | 33th pct |
| Delinquency 60+ days | 1.19% | 86th pct | 89th pct |
| Net charge-off ratio | 1.66% | 97th pct | 97th pct |
| Loan growth YoY | 0.40% | 46th pct | 33th pct |
| Share growth YoY | 7.70% | 90th pct | 79th pct |
| Efficiency ratio | 68.96% | 19th pct | 16th pct |
structural peer set hash: aefba20136a911bb37fd14d292ed9aac… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.