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Overview / Commentary
602-246-5120
7339 N 35th Ave
Phoenix, AZ 85051

Alhambra Credit Union is headquartered in Phoenix and is the 30th largest credit union in the state of Arizona. It is also the 3,544th largest credit union in the nation. It was established in 1956 and as of December of 2013, it had grown to 14 employees and 3,990 members. Alhambra Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be an employee, student, or parent of Alhambra Elementary, Agua Fria Union High School, Avondale Elementary, Litchfield Elementary, Littleton Elementary, Pendergast Elementary, or Estrella Mountain Community College. - See Details

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Health

Data for Q4 2013

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Alhambra Credit Union has a low asset base.

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Alhambra Credit Union had $191,000 in non-current loans and owned real-estate with $1.94 million in equity and loan loss allowances on hand to cover it. This gives Alhambra Credit Union a Texas Ratio of 9.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Alhambra Credit Union decreased slightly from 12.65% as of December 31, 2012 to 9.83% as of December 31, 2013, resulting in a positive change of 22.36%.This indicates that the balance sheet and financial strength for Alhambra Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
C

In the past year, Alhambra Credit Union has decreased its total deposits by $-395,000, resulting in -2.2% 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 Alhambra Credit Union has shown is average.

Capitalization

GRADE:
B

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. Alhambra Credit Union has $19.61 million in assets with $1.94 million in equity, resulting in a capitalization level of 9.91%, which is above average.

Institution Statistics

Overall
NCUA #60165
Year Chartered1956
Employees14
Primary Regulator
Assets and Liabilities
Assets$19.61 million
Loans$12.49 million
Deposits$17.56 million
Equity Capital$1.85 million
Loan Loss Allowance$98,000
Unbacked Noncurrent Loans$191,000
Real Estate Owned$0
Historic Data - December 2012
Assets$19.77 million
Equity Capital$1.61 million
Loan Loss Allowance$172,000
Unbacked Noncurrent Loans$191,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin8.09%
Return on Assets1.18%
Return on Equity12.51%
Interest Income$1.08 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Alhambra Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Alhambra Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$10k-Regular Shares
0.20%--IRA Shares

Alhambra Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$10k-Money Market

Alhambra Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.00%-$25kGold Star Checking
0.05%$1k-Checking

Alhambra Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.56%$100k-5 Year Share Certificate
0.90%$100k-3 Year Share Certificate
0.65%$100k-2 Year Share Certificate
0.30%$50k-1 Year Share Certificate
0.15%$1k-6 Month Share Certificate

Alhambra Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.56%$100k-5 Year IRA
0.90%$100k-3 Year IRA
0.65%$100k-2 Year IRA
0.30%$50k-1 Year IRA
0.15%$1k-6 Month IRA
Locations


Alhambra Credit Union Locations
Branch Office13331 W Indian School Rd Ste 205Litchfield Park, AZ 85340
Branch Office7339 N 35th AvePhoenix, AZ 85051