ARIZONA CENTRAL
Charter #62881 · Phoenix, AZ · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.62% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 0.17% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 83.09% sits at the 80th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 36th — a 29-point gap showing why the peer definition matters.
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 | ARIZONA CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $733.74M | 55th pct | 38th pct |
| Members | 46,768 | 65th pct | 36th pct |
| Net worth ratio | 8.62% | 13th pct | 15th pct |
| Return on average assets | 0.33% | 23th pct | 26th pct |
| Net interest margin | 3.97% | 83th pct | 74th pct |
| Cost of funds | 0.17% | 8th pct | 7th pct |
| Loan-to-share | 93.02% | 87th pct | 77th pct |
| Delinquency 60+ days | 0.67% | 59th pct | 51th pct |
| Net charge-off ratio | 0.57% | 64th pct | 44th pct |
| Loan growth YoY | 3.13% | 74th pct | 67th pct |
| Share growth YoY | 1.76% | 20th pct | 23th pct |
| Efficiency ratio | 83.09% | 72th pct | 80th pct |
structural peer set hash: 6244dd5c49ce290ba6cf904bd045c3af… (reproducible)
Closest structural peers
This is the free public view
Claim ARIZONA CENTRAL
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.