Arizona Financial Credit Union
Only null% goes to programs Strong reserves
Arizona Financial Credit Union is a 501(c)(14) organization based in Phoenix, Arizona, registered in 2024, with $225,880,309 in FY2024 revenue. CharityIndex grades it A.
333 N 44th St, Phoenix, AZ, 85008 EIN 86-0101004 Since 2024
Revenue (FY2024)
$225.9M
▲ 10.6% vs prior year
Public Benefit median: $140K
Expenses (FY2024)
$197.2M
Net assets
$339.0M
Employees
816
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
A
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Arizona Financial Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating21 mo reserves · +13% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Arizona Financial Credit Union: 21 mo reserves · +13% margin earns a A on this criterion. See the exact thresholds →
A+Governance25% of the rating6 of 6 checks met
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. For Arizona Financial Credit Union: 6 of 6 checks met earns a A+ on this criterion. See the exact thresholds →
ATransparency10% of the rating4 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Arizona Financial Credit Union: 4 of 5 disclosure signals earns a A on this criterion. See the exact thresholds →
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Mission
The purpose of arizona financial credit union (azfcu) is to promote thrift and to provide credit to its members.
What they do
Azfcu offers credit life and disability insurance to its members when they finance a vehicle or open a credit card. this insurance would pay off the loan in the case of a death or disability. azfcu offers auto warranties at fair prices to its members. these warranties are comprehensive and help with the costs of repair of the vehicle.
Contact & location
- Address
- 333 N 44th St, Phoenix, AZ, 85008
- City
- Phoenix
- State
- Arizona
- Category
- Public & Societal Benefit
- Subcategory
- Financial Institutions
- Phone
- …
- Website
- …
Financial trends
Revenue grew from $80.0M (FY2022) to $225.9M (FY2024) across 3 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $3.1BNet assets $339.0M
Operating margin
12.7%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$3.4B
Total liabilities
$3.1B
Net assets
$339.0M
Salaries & benefits
$82.2M
42% of expenses
Board members
9
9 independent
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $225,880,309▲10.6% | $197,180,064▲17.4% | $339,019,476▲12.4% | $3,421,476,840▲3.2% | 990 |
| 2023 | $204,218,702▲155% | $167,917,483▲159% | $301,725,320▲24.6% | $3,314,738,957▲4.5% | 990 |
| 2022 | $80,017,866 | $64,824,348 | $242,229,035 | $3,171,193,266 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Leadership & compensation (FY2024)
Highest-paid: Amy Hysell — $777,889 (0.39% of total expenses)
| Name | Title | Hours/week | Compensation |
|---|---|---|---|
| Amy Hysell | President/ceo (azfcu) | 40 | $777,889 |
| Kelly Harding | Commercial Producer (afis) | 40 | $639,141 |
| Gregory Okonowski | Commercial Producer (afis) | 40 | $577,140 |
| Jason Paprocki | Evp & Chief Strategy Officer (azfcu) | 40 | $506,725 |
| Michael Thorell | Arizona Market President & Chief Lending Officer (azfcu) | 40 | $488,270 |
| Andrew Martinez | Commercial Producer (afis) | 40 | $486,232 |
| Ryan West | Investment Representative (azfcu) | 40 | $470,211 |
| Joseph Cook | Ppd Producer (afis) | 40 | $468,862 |
| Chad Forkenbrock | Evp & Chief Operating Officer (azfcu) | 40 | $448,658 |
| Gregory Thorell | Svp Residential Lending (azfcu) | 40 | $423,266 |
| William Randall Gaston | Svp & Commercial Lending (azfcu) | 40 | $418,085 |
| Juan Ruiz | Evp & Chief People and Culture Officer (azfcu) | 40 | $385,392 |
| Travis Merrell | Svp & Chief Credit Officer (azfcu) | 40 | $316,688 |
| Travis Fonnesbeck | Svp & Cfo (azfcu) | 40 | $306,833 |
| William Greene | Board Chairperson | 3 | $21,979 |
| Libby Bissa | Board Secretary | 3 | $17,010 |
| Cathleen Gleason | Board Member | 3 | $12,412 |
| David Albertson | Board Vice Chairperson | 3 | $1,588 |
| Debby Black | Board Member | 3 | — |
| Jeffrey Barton | Board Member | 3 | — |
Top vendors & contractors (FY2024)
| Contractor | Services | Paid |
|---|---|---|
| Dbsi | Design Services | $1,209,809 |
| Diebold Inc | Atm Services | $576,715 |
| Pscu Inc | Afer Hours Customer Service | $564,240 |
| Mark A Kirkorsky PC | Credit Collections | $504,161 |
| Tolin Mechanical Systems Co | Mechanical Maintenance Services | $456,181 |
Grants made · $210K in FY2024
17 grants totaling $210K in FY2024 — showing the 15 largest. All grants made by Arizona Financial Credit Union →
| Recipient | Purpose | Amount |
|---|---|---|
| Karuna Horse Rescue Inc | General support | $27,500 |
| Autism Society of Greater Phoenix | General assistance | $17,500 |
| A Permanent Voice | General support | $12,500 |
| Agua Fria Food and Clothing Bank Inc | General support | $12,500 |
| Base Arizona | General support | $12,500 |
| United Sound Inc | General support | $12,500 |
| Arizona State Fire Training Committee Inc | General support | $12,500 |
| Help A Dog Smile | General support | $12,500 |
| Local First For Business | Small business grant | $10,000 |
| Confidence Kits Inc | General support | $10,000 |
| Larry Thomas Youth Development Corporation | General support | $10,000 |
| Lights Camera Discover | General support | $10,000 |
| Young & Empowered Women | General support | $10,000 |
| Shethrives Foundation | General support | $10,000 |
| Little Humble Entrepreneurs Foundation | General support | $10,000 |
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Compare Arizona Financial Credit Union
Frequently asked questions
- Is Arizona Financial Credit Union a legitimate nonprofit?
- Yes. Arizona Financial Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 86-0101004, based in Phoenix, Arizona.
- What is Arizona Financial Credit Union's EIN?
- Arizona Financial Credit Union's Employer Identification Number (EIN) is 86-0101004.
- How much revenue does Arizona Financial Credit Union report?
- Arizona Financial Credit Union reported $225,880,309 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does Arizona Financial Credit Union have?
- CharityIndex grades Arizona Financial Credit Union A, based on financial health (reserves and operating margin).
- How much does Arizona Financial Credit Union's highest-paid employee make?
- The highest reported compensation on Arizona Financial Credit Union's latest Form 990 is $777,889, paid to Amy Hysell (President/ceo (azfcu)).
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Data for Arizona Financial Credit Union (EIN 86-0101004) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.