Tucson Federal Credit Union
Tucson, AZ·Charter 2157·cu:2157·CCULR opted in
- #9 of 33Total assets in Arizona
- 52.1Kmembers
- Top 3%Business loan growth in the U.S.
- Top 6%Share growth in the U.S.
- #4 of 21Return on assets in Arizona
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Tucson Federal Credit Union
11 of 24 FORFI signals stand out against 309 similar credit unions, based on NCUA data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal 2nd quarter1.31%peers 1.67%-36 bps
Tucson Federal Credit Union's cost of shares and deposits has not eased the way it has at similar credit unions, while borrowed funding increased.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 1.31% | 1.67% | -36 bps |
| Borrowings as a share of assets | ||
| 13.3% | 1.6% | +11.7 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Tucson Federal Credit Union itself is left out of every peer median and percentile. How signals work
Margin squeezed by funding costsWorth a look: Earnings FORFI signal 2nd quarter3.94%peers 3.54%+40 bps
Tucson Federal Credit Union's net interest margin lagged similar credit unions as its cost of shares and deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 3.94% | 3.54% | +40 bps |
| Cost of all shares and deposits | ||
| 1.31% | 1.67% | -36 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Tucson Federal Credit Union itself is left out of every peer median and percentile. How signals work
Net charge-offs rising while the peer median holds steadyWorth a look: Asset quality2.70%peers 0.50%+220 bps
Tucson Federal Credit Union's annualized net charge-off rate rose 122 bps over the past year to 2.70%. Among 307 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 2.70% | 0.50% | +220 bps |
| 12-month change | ||
| +122 bps | 0 bps | +122 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Tucson Federal Credit Union itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+20.0%peers +5.2%+14.8 pp
Tucson Federal Credit Union's total assets grew 20.0% over the past year to $1.0 billion. The median among 307 similar credit unions was +5.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +20.0% | +5.2% | +14.8 pp |
| Total assets | ||
| $1.0 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Tucson Federal Credit Union itself is left out of every peer median and percentile. How signals work
Member business lending growing faster than peersStrength: Lending 2nd quarter+87.3%peers +9.6%+77.7 pp
Tucson Federal Credit Union's member business loans grew 87.3% over the past year to $28.5 million. The median among 274 similar credit unions was +9.6%.
| This institution | Peer median | Difference |
|---|---|---|
| Member business loans, 12-month growth | ||
| +87.3% | +9.6% | +77.7 pp |
| Member business loans | ||
| $28.5 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Tucson Federal Credit Union itself is left out of every peer median and percentile. How signals work
6 more observations
- Borrowed funding rising while the peer median fallsFunding
- Net interest margin narrowing while the peer median widensEarnings
- Share and deposit costs rising while the peer median fallsFunding
- Return on assets falling while the peer median risesEarnings
- Delinquent loans rising faster than peersAsset quality
- Efficiency ratio rising while the peer median fallsEfficiency
Key facts
- Tucson Federal Credit Union is a federally chartered credit union headquartered in Tucson, Arizona. It reported $1.0 billion in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $770 million, up 11.9% from a year earlier, and loans totaled $483 million, up 1.8%.
- Its net interest margin on average assets was 3.94% and its annualized return on assets was 1.35% for the quarter.
- Its cost of all shares and deposits was 1.31%, compared with a median of 1.67% among 309 similar credit unions with $1 billion to $3 billion in assets.
- It served 52,077 members, up 0.4% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Tucson Federal Credit Union's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Tucson Federal Credit Union · Credit union
- NCUA charter
- 2157
- Reporting period
- Peer group
- 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Tucson Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $3.34M | |
| $13.45M | |
| $3.68M | |
| $9.77M | |
| $4.33M | |
| $9.23M | |
| $1.53M | |
| $1.53M | |
| 1.35% | |
| 3.94% | |
| 65.48% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.