RANKING · Q2 2026

Lowest efficiency ratio in Arizona

21 of 33 credit unions in Arizona that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.

Lowest efficiency ratio in Arizona, Q2 2026
Rank	Institution	Headquarters	Efficiency ratio (noninterest expense / revenue)	Total assets
1	Hughes Federal Credit Union	Tucson, AZ	51.1%	$2.6 billion
2	Pima Federal Credit Union	Tucson, AZ	58.7%	$1.7 billion
3	American Southwest Credit Union	Sierra Vista, AZ	59.3%	$440 million
4	Vantage West Credit Union	Tucson, AZ	61.2%	$3.3 billion
5	Tucson Federal Credit Union	Tucson, AZ	65.5%	$1.0 billion
6	Desert Financial Credit Union	Phoenix, AZ	66.1%	$9.9 billion
7	Aero Federal Credit Union	Glendale, AZ	69.7%	$364 million
8	Oneaz Credit Union	Phoenix, AZ	70.2%	$4.5 billion
9	Coconino Federal Credit Union	Flagstaff, AZ	71.1%	$126 million
10	Credit Union West	Glendale, AZ	71.5%	$1.5 billion
11	Landings Credit Union	Tempe, AZ	72.7%	$263 million
12	First American Credit Union	Casa Grande, AZ	74.3%	$120 million
13	Truwest Credit Union	Scottsdale, AZ	74.6%	$1.7 billion
14	First Credit Union	Chandler, AZ	76.2%	$812 million
15	Pinal County Federal Credit Union	Casa Grande, AZ	79.0%	$339 million
16	Arizona Central Credit Union	Phoenix, AZ	80.0%	$733 million
17	Arizona Financial Credit Union	Phoenix, AZ	81.4%	$3.9 billion
18	Copper State Credit Union	Phoenix, AZ	84.2%	$701 million
19	Avenir Financial Federal Credit Union	Yuma, AZ	86.1%	$401 million
20	Sunwest Federal Credit Union	Glendale, AZ	89.6%	$525 million
21	Pyramid Federal Credit Union	Tucson, AZ	94.8%	$248 million

Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings