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Overview / Commentary
P.O. Box 85429
Tucson, AZ 85754

Apc Employees Credit Union is headquartered in Tucson and is the 44th largest credit union in the state of Arizona. It is also the 6,136th largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 210 members. Apc Employees Credit Union has a C health rating.

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Health

Data for Q1 2014

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. Apc Employees Credit Union has a very low asset base.

Texas Ratio

GRADE:
C+

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 Apc Employees Credit Union had $57,000 in non-current loans and owned real-estate with $227,000 in equity and loan loss allowances on hand to cover it. This gives Apc Employees Credit Union a Texas Ratio of 25.11% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Apc Employees Credit Union increased slightly from 17.62% as of March 31, 2013 to 25.11% as of March 31, 2014, resulting in a negative change of 42.50%. This indicates that the balance sheet and financial strength for Apc Employees Credit Union has declined slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Apc Employees Credit Union has increased its total deposits by $60,000, resulting in 6.33% 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 Apc Employees Credit Union has shown is excellent.

Capitalization

GRADE:
A+

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. Apc Employees Credit Union has $1.23 million in assets with $227,000 in equity, resulting in a capitalization level of 18.47%, which is excellent.

Institution Statistics

Overall
NCUA #9552
Year Chartered1954
Employees0
Primary Regulator
Assets and Liabilities
Assets$1.23 million
Loans$706,000
Deposits$1.01 million
Equity Capital$219,000
Loan Loss Allowance$8,000
Unbacked Noncurrent Loans$57,000
Real Estate Owned$0
Historic Data - March 2013
Assets$1.17 million
Equity Capital$217,000
Loan Loss Allowance$10,000
Unbacked Noncurrent Loans$57,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.64%
Return on Assets0.65%
Return on Equity3.65%
Interest Income$13,000
Rates

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Locations


Apc Employees Credit Union Locations
Branch Office3376 N Belmont Mine PlTucson, AZ 85745