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Overview / Commentary
1511 N Project Dr
Tempe, AZ 85281

Altier Credit Union is headquartered in Tempe and is the 17st largest credit union in the state of Arizona. It is also the 1,041st largest credit union in the nation. It was established in 1947 and as of March of 2014, it had grown to 64 employees and 17,755 members. Altier Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Maricopa County, Zip codes 86040, 86036, 86053 (Page, Arizona), 86502, 85936, 85938, 85937, 85935, 85901, 85924 or 85925 (in and around St Johns, Arizona). - 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 Altier Credit Union had $230,000 in non-current loans and owned real-estate with $13.75 million in equity and loan loss allowances on hand to cover it. This gives Altier Credit Union a Texas Ratio of 1.67% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Altier Credit Union experienced no significant changes from 1.50% as of March 31, 2013 to 1.67% as of March 31, 2014, resulting in a negative change of 11.85%. This indicates that the balance sheet and financial strength for Altier Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Altier Credit Union has decreased its total deposits by $-589,000, resulting in -0.37% 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 Altier Credit Union has shown is 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. Altier Credit Union has $174.44 million in assets with $13.75 million in equity, resulting in a capitalization level of 7.88%, which is below average.

Institution Statistics

NCUA #68372
Year Chartered1947
Primary Regulator
Assets and Liabilities
Assets$174.44 million
Loans$122.73 million
Deposits$159.62 million
Equity Capital$12.97 million
Loan Loss Allowance$783,000
Unbacked Noncurrent Loans$230,000
Real Estate Owned$0
Historic Data - March 2013
Assets$173.85 million
Equity Capital$11.82 million
Loan Loss Allowance$1.02 million
Unbacked Noncurrent Loans$230,000
Real Estate Owned$93,000
Profit Margin - Quarterly
Net Interest Margin1.05%
Return on Assets-0.27%
Return on Equity-3.64%
Interest Income$1.44 million

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Altier Credit Union Savings Account Rates

0.06%$80k-Savings IRA
0.05%--Health Savings Account

Altier Credit Union Money Market Rates

0.05%$80k-Money Maker Account

Altier Credit Union Checking Account Rates

2.50%-$5kKasasa Cash - Qualifying
0.03%--Kasasa Cash - Non Qualifying

Altier Credit Union CD Rates

1.16%$100k-5 Year Jumbo Share Certificate
1.05%$2,500-5 Year Share Certificate
0.85%$100k-4 Year Jumbo Share Certificate
0.75%$2,500-4 Year Share Certificate
0.70%$100k-3 Year Jumbo Share Certificate
0.60%$2,500-3 Year Share Certificate
0.50%$100k-2 1/2 Year Jumbo Share Certificate
0.50%$100k-3 Year Step Up Jumbo Share Certificate
0.45%$100k-2 Year Jumbo Share Certificate
0.40%$2,500-3 Year Step Up Share Certificate
0.40%$500-2 Year Share Certificate
0.40%$500-2 1/2 Year Share Certificate
0.23%$100k-14 Month Jumbo Share Certificate
0.20%$100k-1 Year Jumbo Share Certificate
0.18%$10k-14 Month Share Certificate
0.15%$500-1 Year Share Certificate
0.15%$100k-180 Day Jumbo Share Certificate
0.15%$100k-6-12 Month Flex Term Jumbo Share Certificate
0.10%$2,500-180 Day Share Certificate
0.10%$1k-6-12 Month Flex Term Share Certificate

Altier Credit Union IRA Rates

1.16%$100k-5 Year Jumbo IRA
1.05%$2,500-5 Year IRA
0.85%$100k-4 Year Jumbo IRA
0.75%$2,500-4 Year IRA
0.70%$100k-3 Year Jumbo IRA
0.60%$2,500-3 Year IRA
0.50%$100k-2 1/2 Year Jumbo IRA
0.50%$100k-3 Year Step Up Jumbo IRA
0.45%$100k-2 Year Jumbo IRA
0.40%$500-2 Year IRA
0.40%$500-2 1/2 Year IRA
0.40%$2,500-3 Year Step Up IRA
0.23%$100k-14 Month Jumbo IRA
0.20%$100k-1 Year Jumbo IRA
0.18%$10k-14 Month IRA
0.15%$100k-180 Day Jumbo IRA
0.15%$100k-6-12 Month Flex Term Jumbo IRA
0.15%$500-1 Year IRA
0.10%$2,500-180 Day IRA
0.10%$1k-6-12 Month Flex Term IRA

Altier Credit Union Locations
Branch Office6846 E Warner RdMesa, AZ 85212-2138
Branch Office221 N 79th AveTolleson, AZ 85353-3127
Branch Office449 Haul RoadPAGE, AZ 86040
Branch OfficeU.S. Hwy 191, 7 mi N.E.ST JOHNS, AZ 85936
Branch Office1511 N Project DrTempe, AZ 85281