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The Lender Report built this page from public records. Arizona Financial Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Arizona Financial Credit Union itself. Each figure shows its source and date. Work at Arizona Financial Credit Union? You can claim this page for free.
Credit union, Phoenix, AZ
Arizona Financial Credit Union
A credit union based in Phoenix, AZ. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $811M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 51
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 61
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $3.93B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 602-683-1000 From the NCUA record, June 30, 2026.
- Website
- www.azfcu.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- ARIZONA FINANCIAL; Arizona Federal Credit UnionNCUA 5300,
- Address
- PO Box 60070, Phoenix, AZ 85082NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Arizona Financial Credit Union recorded 23 SBA 504 first-lien projects in the 12 months to September 30, 2026, versus 5 in the prior 12 months. SBA FOIA,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 24 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 4.5% to $343M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 5.9% to $321.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Aug 2026 | Arizona | SBA 7(a), Toy and Hobby Goods and Supplies Merchant Wholesalers | $550K | 9.25% | 10 yr | SBA FOIA | |
| Aug 2026 | Arizona | SBA 7(a), Barber Shops | $350K | 9.25% | 10 yr | SBA FOIA | |
| Aug 2026 | Arizona | SBA 7(a), Assisted Living Facilities for the Elderly | $320K | 7.75% | 10 yr | SBA FOIA | |
| Aug 2026 | Arizona | SBA 7(a), Hotels (except Casino Hotels) and Motels | $300K | 7.75% | 25 yr | SBA FOIA | |
| Jul 2026 | Arizona | SBA 7(a), Other Heavy and Civil Engineering Construction | $2.5M | 9.25% | 10 yr | SBA FOIA | |
| Jul 2026 | Arizona | SBA 7(a), Other Heavy and Civil Engineering Construction | $1.3M | 9.25% | 10 yr | SBA FOIA | |
| Apr 2026 | Arizona | SBA 7(a), Assisted Living Facilities for the Elderly | $800K | 7.25% | 25 yr | SBA FOIA | |
| Apr 2026 | Arizona | SBA 7(a), Exterminating and Pest Control Services | $370K | 8.25% | 10 yr | SBA FOIA | |
| Mar 2026 | Arizona | SBA 504, Full-Service Restaurants | $880K | 25 yr | SBA FOIA | ||
| Mar 2026 | Arizona | SBA 504, Construction | $820K | 25 yr | SBA FOIA | ||
| Mar 2026 | Arizona | SBA 7(a), General Automotive Repair | $480K | 7% | 25 yr | SBA FOIA | |
| Mar 2026 | Arizona | SBA 504, Full-Service Restaurants | $330K | 25 yr | SBA FOIA | ||
| Feb 2026 | Arizona | SBA 504, Other Services (except Public Administration) | $1.3M | 25 yr | SBA FOIA | ||
| Feb 2026 | Arizona | SBA 504, Retail Trade | $210K | 25 yr | SBA FOIA | ||
| Jan 2026 | Arizona | SBA 504, Child Care Services | $270K | 25 yr | SBA FOIA | ||
| Jan 2026 | Arizona | SBA 7(a), Other Individual and Family Services | $200K | 8.75% | 10 yr | SBA FOIA | |
| Dec 2025 | Arizona | SBA 7(a), All Other Automotive Repair and Maintenance | $1.8M | 6.75% | 25 yr | SBA FOIA | |
| Dec 2025 | Arizona | SBA 504, Wholesale Trade | $680K | 25 yr | SBA FOIA | ||
| Dec 2025 | Arizona | SBA 504, Offices of Mental Health Practitioners (except Physicians) | $340K | 25 yr | SBA FOIA | ||
| Nov 2025 | Arizona | SBA 504, All Other Specialty Trade Contractors | $1.1M | 25 yr | SBA FOIA | ||
| Nov 2025 | Arizona | SBA 7(a), Home Health Care Services | $970K | 9.75% | 10 yr | SBA FOIA | |
| Nov 2025 | Arizona | SBA 504, Accommodation and Food Services | $500K | 25 yr | SBA FOIA | ||
| Nov 2025 | Arizona | SBA 7(a), Roofing Contractors | $260K | 10% | 10 yr | SBA FOIA | |
| Sep 2025 | Arizona | SBA 504, Accommodation and Food Services | $480K | 25 yr | SBA FOIA | ||
| Jul 2025 | Arizona | SBA 504, Car Washes | $670K | 25 yr | SBA FOIA | ||
| 27 SBA 7(a) loans since October 2023, net of cancelled | $13.7M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $15.4M | 0.7% | -46.9% | 34 | $454K |
| Construction and land development | $44.0M | 2.1% | -5.0% | 26 | $1.69M |
| Owner-occupied CRE | $322M | 15.1% | +5.9% | 361 | $892K |
| Non-owner-occupied CRE | $343M | 16.1% | +4.5% | 237 | $1.45M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $31.2M | 1.5% | -8.6% | 164 | $190K |
| Other real-estate-secured commercial | $55.1M | 2.6% | -5.5% | Not reported | Not reported |
| Commercial total | $811M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $665M |
| Q4 2023 | $645M |
| Q1 2024 | $635M |
| Q2 2024 | $666M |
| Q3 2024 | $685M |
| Q4 2024 | $678M |
| Q1 2025 | $689M |
| Q2 2025 | $742M |
| Q3 2025 | $738M |
| Q4 2025 | $731M |
| Q1 2026 | $744M |
| Q2 2026 | $756M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 22 | $10.3M | $325K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 27 | $13.7M | $305K | $2.5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 13 | $10.3M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 34 | $35.6M | $796K | $3.4M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 51 | $65.9M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 3 | $1.17M | NCUA 5300, | ||
| Construction | First half of 2026 | 4 | $7.03M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 34 | $34.3M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 10 | $23.3M | NCUA 5300, | ||
| C&I | First half of 2026 | 39 | $4.27M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $1.69M |
| Multifamily | $454K |
| Owner-occupied CRE | $892K |
| Non-owner-occupied CRE | $1.45M |
| Commercial and industrial | $190K |
Programs on record: Federal Home Loan Bank member, San Francisco district (FHFA).
Where it lends
Offices beside loans on record
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $482M | $99.4M to $1.21B across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $742M | $0 to $1.14B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 154.0% | 0.0% to 215.4% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $69.7M | $11.1M to $174M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 86.6% | 0.0% to 102.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 54.2% | 53.7% to 80.8% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 24 loans (88.9%)
- Approval to first disbursement
- 9 days, median of 25
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Oneaz Credit Union | AZ | $4.48B | $815M |
| Vantage West Credit Union | AZ | $3.34B | $254M |
| Addition Financial Credit Union | FL | $3.81B | $280M |
| Georgia's Own Credit Union | GA | $4.22B | $593M |
| Hughes Credit Union | AZ | $2.60B | $0 |
| Goldenwest Credit Union | UT | $4.33B | $1.04B |
| First Credit Union | AZ | $812M | $90.2M |
| Desert Financial Credit Union | AZ | $9.89B | $866M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Arizona Financial Credit Union, NCUA charter 68730. Compare it with the regulator's record. [NCUA profile]
- Balances. $3.93B in total assets and $811M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 51 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 83 loans in HMDA and SBA files, through September 30, 2026: 22 HMDA 1-4 unit investor 2025, 27 SBA 7(a) in 36 months, 34 SBA 504 first liens in 36 months. [How each file was tied to Arizona Financial Credit Union]
- Phone and website. Phone 602-683-1000, from the NCUA record. Website azfcu.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 68730
- RSSD
- 133074
- LEI
- 549300V36YE6JCCEJB76
- The Lender Report ID
- lr_000480
- Main office county
- Maricopa
- Members
- 187,788
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $3.9B in total assets as of June 30, 2026 (NCUA 5300).
- Held $810.7M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $343M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 4.5% from a year earlier (NCUA 5300).
- Held $321.9M of owner-occupied commercial real estate loans as of June 30, 2026, up 5.9% from a year earlier (NCUA 5300).
- Held $44M of construction and land loans as of June 30, 2026 (NCUA 5300).
- Originated 22 1-4 unit investor or business-purpose loans totaling $10.3M in 2025 (HMDA).
5 more sentences
- Recorded 28 SBA 7(a) approvals totaling $14M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Provided the first lien on 36 SBA 504 projects with $36.5M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
- Originated 51 real-estate-secured commercial loans totaling $65.9M in the first half of 2026 (NCUA 5300).
- Held $90.5M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 21 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Arizona Financial Credit Union, https://lender.report/lender/arizona-financial-credit-union-az/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Arizona Financial Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem