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Overview / Commentary
Yuma, AZ 85364

AEA Federal Credit Union is headquartered in YUMA and is the 13st largest credit union in the state of Arizona. It is also the 802nd largest credit union in the nation. It was established in 1942 and as of March of 2014, it had grown to 99 employees and 39,445 members. AEA Federal Credit Union has a C- health rating.

Field of Membership Restrictions

Membership at AEA Federal Credit Union is open to you if you or an immediate family member lives, works, worships, or attends school in either Yuma or La Paz County. Once a member, your family members and others living within your household are also eligible to join! - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 AEA Federal Credit Union had $7.24 million in non-current loans and owned real-estate with -$1.55 million in equity and loan loss allowances on hand to cover it. This gives AEA Federal Credit Union a Texas Ratio of (infinite) which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, AEA Federal Credit Union has increased its total deposits by $3.03 million, resulting in 1.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth AEA Federal Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. AEA Federal Credit Union has $248.05 million in assets with -$1.55 million in equity, resulting in a capitalization level of -0.62%, which is poor.

Institution Statistics

NCUA #4915
Year Chartered1942
Primary Regulator
Assets and Liabilities
Assets$248.05 million
Loans$186.40 million
Deposits$231.54 million
Equity Capital($4,726,000)
Loan Loss Allowance$3.18 million
Unbacked Noncurrent Loans$3.48 million
Real Estate Owned$3.76 million
Historic Data - March 2013
Assets$243.52 million
Equity Capital($9,867,000)
Loan Loss Allowance$4.30 million
Unbacked Noncurrent Loans$3.48 million
Real Estate Owned$6.08 million
Profit Margin - Quarterly
Return on Assets1.21%
Return on Equity0%
Interest Income$2.56 million

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AEA Federal Credit Union Savings Account Rates

0.20%$10k-Share Savings
0.20%--Health Savings Account
0.20%--Share IRA
0.10%--Vacation Club
0.10%--Christmas Club

AEA Federal Credit Union Money Market Rates

0.40%$150k-Money Market Access Account

AEA Federal Credit Union Checking Account Rates

0.25%$5k-Good Life Checking Club - Gold Membership
0.20%$150k-Business Checking
0.15%$5k-Good Life Checking Club - Silver Membership

AEA Federal Credit Union CD Rates

1.31%$100k-60 Month CD
1.21%$100k-48 - 59 Month CD
1.00%$100k-36 - 47 Month CD
0.80%$100k-24 - 35 Month CD
0.75%$100k-18 - 23 Month CD
0.60%$500-Growth Certificate
0.55%$100k-12 - 17 Month CD
0.40%$100-Student Certificate
0.40%$100-Youth Savings Certificate
0.40%$100-College Savings Certificate
0.36%$10k$100k9 - 11 Month CD
0.25%$10k-6 - 8 Month CD
0.15%$10k-3 - 5 Month CD
0.10%$50-Summer Saver Certificate Special CD

AEA Federal Credit Union IRA Rates

1.31%$50k-60 Month IRA
1.21%$50k-48 - 59 Month IRA
1.00%$50k-36 - 47 Month IRA
0.80%$50k-24 - 35 Month IRA
0.55%$50k-12 - 23 Month IRA

AEA Federal Credit Union Locations
Branch Office11252 N FRONTAGE RDYUMA, AZ 85367
Branch Office1780 S 1st AveYUMA, AZ 85364-5705
Branch Office916 W 14th St Ste FParker, AZ 85344-5709
Branch Office530 E Main StSomerton, AZ 85350-6300
Branch Office2378 W 24th StYuma, AZ 85364-6124