ONEAZ
Charter #61315 · Phoenix, AZ · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 237,714 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.32% ranks in the 80th 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 | ONEAZ | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.49B | 78th pct | 80th pct |
| Members | 237,714 | 77th pct | 82th pct |
| Net worth ratio | 10.72% | 50th pct | 48th pct |
| Return on average assets | 1.32% | 86th pct | 80th pct |
| Net interest margin | 3.68% | 72th pct | 62th pct |
| Cost of funds | 1.53% | 39th pct | 39th pct |
| Loan-to-share | 76.20% | 24th pct | 28th pct |
| Delinquency 60+ days | 0.55% | 42th pct | 41th pct |
| Net charge-off ratio | 0.40% | 34th pct | 39th pct |
| Loan growth YoY | 14.37% | 97th pct | 84th pct |
| Share growth YoY | 22.85% | 97th pct | 85th pct |
| Efficiency ratio | 64.94% | 23th pct | 28th pct |
structural peer set hash: 8599b07b475df2ed64d062358b87d713… (reproducible)
Closest structural peers
This is the free public view
Claim ONEAZ
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.