Hughes Federal Credit Union
Total assets
$2.64B
▲ +7.1% YoY
Shares & deposits
$2.39B
▲ +9.0% YoY
Loans
$2.08B
▲ +0.0% YoY
Members
188,025
▼ -2.4% YoY
ROA (annualized)
0.32%
peers 0.71%
ROE (annualized)
3.62%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +5.1% | +2.0 pts |
| Share growth (YoY) | +9.0% | +4.9% | +4.1 pts |
| Loan growth (YoY) | +0.0% | +5.4% | -5.4 pts |
| ROA | 0.32% | 0.71% | -0.4 pts |
| ROE | 3.6% | 6.3% | -2.7 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 11900, Tucson, AZ, 85734
- NCUA charter #
- 7531
- RSSD ID
- 380588
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.64B | $2.39B | $2.08B | $230.9M | $2.1M | 0.32% | 4.87% | 1.96% | 188,025 |
| Q4 2025 | $2.60B | $2.35B | $2.12B | $228.8M | $2.4M | 0.09% | 4.80% | 2.86% | 188,377 |
| Q3 2025 | $2.59B | $2.34B | $2.15B | $241.7M | $7.3M | 0.38% | 4.75% | 1.95% | 188,559 |
| Q2 2025 | $2.57B | $2.30B | $2.13B | $239.3M | $4.9M | 0.38% | 4.61% | 1.44% | 196,156 |
| Q1 2025 | $2.46B | $2.19B | $2.08B | $237.6M | $3.2M | 0.52% | 4.66% | 1.35% | 192,700 |
| Q4 2024 | $2.35B | $2.08B | $2.02B | $234.4M | $3.1M | 0.13% | 3.89% | 1.86% | 188,151 |
| Q3 2024 | $2.34B | $2.07B | $1.87B | $242.0M | $2.5M | 0.14% | 3.63% | 1.75% | 182,040 |
| Q2 2024 | $2.35B | $2.08B | $1.77B | $241.5M | $2.0M | 0.17% | 3.42% | 1.68% | 183,557 |
Loan mix (Q1 2026): real estate $114.9M · commercial $0 · consumer $1.83B · securities $155.2M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.71% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 6.3% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.87% | 3.32% | 99th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.8% | 73.0% | 3th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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