Cochise vs First American
Comparing a Credit Union in Willcox, AZ with a Credit Union in Casa Grande, AZ using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Cochise ↗ Credit Union · Willcox, AZ · Est. 1958 | First American ↗ Credit Union · Casa Grande, AZ · Est. 1962 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 97/100 |
| Institution type | Credit Union | Credit Union |
| Location | Willcox, AZ | Casa Grande, AZ |
| Total assets | $76.8M | $111.8M |
| Net worth ratio | 16.6% | 13.3% |
| Return on assets | 1.7% | 0.9% |
| Shares & deposits | — | — |
| Members | 5,840 | 11,841 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 33 | #5 of 33 |
| Established | 1958 | 1962 |
Cochise
- Assets: $76.8M
- Members: 5,840
- Capital ratio: 16.6%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #2 of 33
First American
- Assets: $111.8M
- Members: 11,841
- Capital ratio: 13.3%
- Return on assets: 0.9%
- CFPB complaints: 0
- State rank: #5 of 33
Are both institutions federally insured?
Yes. Cochise is NCUA-insured and First American is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Cochise or First American?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Cochise scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Cochise safe?
Yes — Cochise is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is First American safe?
Yes — First American is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (97/100).
What is the capital ratio of Cochise vs First American?
Cochise has a net worth ratio of 16.6%, placing it in the top 35% of <$100M peers. First American's ratio is 13.3%, placing it in the top 26% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Cochise have compared to First American?
The CFPB database shows 0 complaints against Cochise, and 0 complaints against First American. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Cochise with other Credit Unions in Arizona
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
