ARIZONA FINANCIAL
Charter #68730 · Phoenix, AZ · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Efficiency ratio of 79.87% sits at the 82nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 8th percentile but its structural peers at the 26th — a 19-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 FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.89B | 72th pct | 75th pct |
| Members | 178,809 | 68th pct | 72th pct |
| Net worth ratio | 11.81% | 69th pct | 59th pct |
| Return on average assets | 0.75% | 52th pct | 39th pct |
| Net interest margin | 3.09% | 35th pct | 44th pct |
| Cost of funds | 1.77% | 50th pct | 62th pct |
| Loan-to-share | 60.30% | 8th pct | 26th pct |
| Delinquency 60+ days | 0.33% | 18th pct | 28th pct |
| Net charge-off ratio | 0.46% | 43th pct | 51th pct |
| Loan growth YoY | 2.79% | 64th pct | 66th pct |
| Share growth YoY | 4.84% | 62th pct | 68th pct |
| Efficiency ratio | 79.87% | 77th pct | 82th pct |
structural peer set hash: 96b60fd0c3c2bd4a51b93de33e06800b… (reproducible)
Closest structural peers
This is the free public view
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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.