Animas Credit Union

2101 E. 20th St.
Farmington, NM 87401
(800) 545-4033
www.animascu.com

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Animas Credit Union is headquartered in FARMINGTON and is the 14^st largest credit union in the state of New Mexico. It is also the 1,335^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 43 employees and 15,981 members. Animas Credit Union's savings rates are 73% higher than the national average, and it boasts a 5-star health rating.

Animas Credit Union Routing Number: 302284058

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See Rates for: Checking | Savings | Money Market | CD | IRA

Animas Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	-	-	Animas Advantage Checking
0.10%	-	-	Interest Checking

Animas Credit Union Savings Account Rates

Apy	Min	Max	Product
0.90%	-	-	Individual Retirement Account
0.90%	-	-	Roth IRA Share Account
0.90%	-	-	CESA Savings Account
0.50%	$75k	-	Primary Tiered Savings Account
0.50%	$75k	-	Kid's Club
0.50%	$75k	-	Holiday Club

Animas Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.50%	$75k	-	Money Market Checking

Animas Credit Union CD Rates

Apy	Min	Max	Product
0.90%	$500	-	60 Month CD
0.60%	$500	-	48-59 Month CD
0.35%	$500	-	36-47 Month CD
0.25%	$500	-	24-35 Month CD
0.20%	$500	-	18-23 Month CD
0.15%	$500	-	12-17 Month CD
0.10%	$500	-	6-11 Month CD

Animas Credit Union IRA Rates

Apy	Min	Max	Product
0.90%	$500	-	60 Month IRA
0.90%	$500	-	60 Month Roth IRA
0.90%	$500	-	60 Month CESA
0.60%	$500	-	48-59 Month IRA
0.60%	$500	-	48-59 Month Roth IRA
0.60%	$500	-	48-59 Month CESA
0.35%	$500	-	36-47 Month IRA
0.35%	$500	-	36-47 Month Roth IRA
0.35%	$500	-	36-47 Month CESA
0.25%	$500	-	24-35 Month IRA
0.25%	$500	-	24-35 Month Roth IRA
0.25%	$500	-	24-35 Month CESA
0.20%	$500	-	18-23 Month IRA
0.20%	$500	-	18-23 Month Roth IRA
0.20%	$500	-	18-23 Month CESA
0.15%	$500	-	12-17 Month IRA
0.15%	$500	-	12-17 Month Roth IRA
0.15%	$500	-	12-17 Month CESA
0.10%	$500	-	6-11 Month IRA
0.10%	$500	-	6-11 Month Roth IRA
0.10%	$500	-	6-11 Month CESA

Rates updated: 5/22/2012

Data for Q4 2011

Institution Statistics

ANIMAS
NCUA #	66142
BankRate Report	View
Year Chartered	1956
Employees	43
Primary Regulator
Assets and Liabilities
Assets	$110.50 million
Loans	$75.03 million
Deposits	$101.43 million
Equity Capital	$8.58 million
Loan Loss Allowance	$514,000
Unbacked Noncurrent Loans	$410,000
Historic Data - December 2010
Assets	$108.64 million
Equity Capital	$7.83 million
Loan Loss Allowance	$642,000
Unbacked Noncurrent Loans	$848,000
Profit Margin - Quarterly
Net Interest Margin	4.64%
Return on Assets	0.52%
Return on Equity	6.75%
Interest Income	$4.35 million
Non-Interest Income	$1.66 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
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, 2011 Animas Credit Union had $410,000 in non-current loans and owned real-estate with $9.09 million in equity and loan loss allowances on hand to cover it. This gives Animas Credit Union a Texas Ratio of 4.51% 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 Animas Credit Union decreased significantly from 10.01% as of December 31, 2010 to 4.51% as of December 31, 2011, resulting in a positive change of 54.93%.This indicates that the balance sheet and financial strength for Animas Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Animas Credit Union has increased its total deposits by $3.92 million, resulting in 4.02% 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 Animas Credit Union has shown is above average.
Capitalization
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. Animas Credit Union has $110.5 million in assets with $9.09 million in equity, resulting in a capitalization level of 8.23%, which is average.

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