credit union · NCUA 9951 · AZ
How big is RAY?
RAY (AZ, NCUA charter 9951) reported total assets of $14.4M, 2,202 members and a net worth ratio of 3.86% in its Call Report for 2024Q2. That ranks 3482 of 4,631 federally insured credit unions by assets, 1022 of 1,257 among credit unions with $10m-$50m in assets, 31 of 35 credit unions in arizona.
What stands out
RAY (AZ, NCUA charter 9951) reported total assets of $14.4M, 2,202 members and a net worth ratio of 3.86% in its Call Report for 2024Q2. That ranks 3482 of 4,631 federally insured credit unions by assets, 1022 of 1,257 among credit unions with $10m-$50m in assets, 31 of 35 credit unions in arizona. Against its size class: net worth ratio 3.86%, below the peer median of 12.60%; loan-to-share ratio 68.81%, above the peer median of 61.12%; return on assets -2.84%, below the peer median of 0.64%. At 3.86% its net worth ratio is below the 7% NCUA threshold, which puts it in the "significantly undercapitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2024Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2024Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $14.4M | $24.9M | $240.7M | $58.1M | record → |
| Shares and deposits | $13.6M | $21.5M | $217.5M | $50.2M | record → |
| Loans outstanding | $9.4M | $12.2M | $159.4M | $31.2M | record → |
| Net income (year to date) | $-204.3k | $71.4k | $545.7k | $136.6k | record → |
| Net worth | $558.6k | $3.2M | $23.7M | $7.3M | record → |
| Net worth ratio | 3.86% | 12.60% | 10.40% | 11.91% | record → |
| Loan-to-share ratio | 68.81% | 61.12% | 74.27% | 71.13% | computed |
| Return on assets | -2.84% | 0.64% | 0.69% | 0.60% | computed |
| Members | 2,202 | 2,190 | 17,485 | 4,524 | record → |
Quarter by quarter
37 Call Reports on record, 2015Q2–2024Q2; the 37 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2024Q2 | $14.4M | $13.6M | $9.4M | $-204.3k | 3.86% | 2,202 | 3482 |
| 2024Q1 | $15.4M | $14.4M | $9.7M | $-54.0k | 4.59% | 2,218 | 3460 |
| 2023Q4 | $15.0M | $14.1M | $10.4M | $-33.5k | 5.05% | 2,241 | 3491 |
| 2023Q3 | $15.3M | $14.4M | $11.0M | $-36.4k | 5.11% | 2,260 | 3511 |
| 2023Q2 | $15.6M | $14.8M | $11.2M | $-24.5k | 5.08% | 2,258 | 3521 |
| 2023Q1 | $15.3M | $14.5M | $11.8M | $-17.8k | 5.25% | 2,278 | 3554 |
| 2022Q4 | $15.6M | $14.5M | $11.8M | $16.6k | 5.27% | 2,297 | 3570 |
| 2022Q3 | $15.8M | $14.8M | $12.2M | $70.9k | 5.55% | 2,298 | 3579 |
| 2022Q2 | $15.7M | $14.7M | $12.3M | $82.6k | 5.66% | 2,284 | 3605 |
| 2022Q1 | $15.4M | $14.4M | $11.5M | $20.1k | 5.37% | 1,100 | 3646 |
| 2021Q4 | $14.7M | $13.7M | $10.3M | $68.4k | 5.65% | 2,264 | 3689 |
| 2021Q3 | $14.2M | $13.3M | $9.1M | $22.2k | 5.57% | 2,233 | 3724 |
| 2021Q2 | $14.0M | $13.2M | $8.3M | $12.7k | 5.81% | 2,185 | 3752 |
| 2021Q1 | $14.2M | $13.3M | $7.5M | $1.1k | 6.13% | 2,176 | 3755 |
| 2020Q4 | $12.2M | $11.3M | $7.2M | $-57.3k | 6.72% | 2,179 | 3859 |
| 2020Q3 | $11.3M | $10.5M | $7.0M | $-49.7k | 7.27% | 2,185 | 3921 |
| 2020Q2 | $10.6M | $9.8M | $6.9M | $-49.8k | 7.05% | 2,148 | 3975 |
| 2020Q1 | $9.9M | $9.1M | $5.7M | $-49.6k | 7.55% | 2,153 | 4006 |
| 2019Q4 | $9.3M | $8.4M | $5.7M | $2.0k | 8.59% | 2,157 | 4065 |
| 2019Q3 | $8.9M | $8.0M | $5.7M | $-728 | 8.88% | 2,152 | 4113 |
| 2019Q2 | $9.0M | $7.8M | $5.7M | $30.6k | 9.17% | 2,216 | 4118 |
| 2019Q1 | $9.4M | $8.2M | $6.0M | $18.0k | 8.68% | 2,206 | 4111 |
| 2018Q4 | $8.5M | $7.6M | $6.4M | $3.1k | 9.36% | 2,287 | 4203 |
| 2018Q3 | $9.3M | $8.2M | $6.5M | $10.4k | 8.60% | 2,352 | 4146 |
| 2018Q2 | $9.7M | $8.7M | $6.4M | $7.9k | 8.25% | 2,331 | 4146 |
| 2018Q1 | $10.0M | $9.0M | $6.4M | $8.3k | 7.98% | 2,311 | 4131 |
| 2017Q4 | $9.9M | $8.8M | $7.0M | $-223.2k | 7.97% | 2,287 | 4137 |
| 2017Q3 | $9.9M | $8.5M | $6.8M | $96.3k | 11.22% | 2,276 | 4181 |
| 2017Q2 | $10.3M | $9.1M | $6.7M | $55.6k | 10.41% | 2,275 | 4175 |
| 2017Q1 | $10.2M | $8.9M | $6.8M | $26.6k | 10.24% | 2,272 | 4208 |
| 2016Q4 | $9.1M | $8.0M | $7.1M | $-76.6k | 11.11% | 2,287 | 4320 |
| 2016Q3 | $9.2M | $8.0M | $7.0M | $-62.0k | 11.16% | 2,260 | 4338 |
| 2016Q2 | $9.3M | $8.3M | $7.0M | $-82.5k | 10.77% | 2,222 | 4331 |
| 2016Q1 | $9.4M | $8.2M | $7.0M | $-15.6k | 11.40% | 2,702 | 4350 |
| 2015Q4 | $9.3M | $8.1M | $7.1M | $-15.3k | 11.74% | 2,671 | 4370 |
| 2015Q3 | $8.6M | $7.5M | $7.1M | $12.7k | 13.00% | 2,651 | 4490 |
| 2015Q2 | $8.6M | $7.4M | $6.7M | $8.4k | 12.97% | 2,629 | 4533 |
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