Arizona Credit Union

Arizona Credit Union is headquartered in Phoenix and is the 3^rd largest credit union in the state of Arizona. It is also the 134^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 348 employees and 171,825 members. Arizona Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics ARIZONA NCUA # 1747 BankRate Report View Year Chartered 1936 Employees 348 Primary Regulator Assets and Liabilities Assets $1.27 billion Loans $545.89 million Deposits $1.14 billion Equity Capital $83.12 million Loan Loss Allowance $29.69 million Unbacked Noncurrent Loans $15.18 million Real Estate Owned $373,000 Historic Data - December 2010 Assets $1.27 billion Equity Capital $39.46 million Loan Loss Allowance $65.48 million Unbacked Noncurrent Loans $37.27 million Real Estate Owned $363,000 Profit Margin - Quarterly Net Interest Margin 8.47% Return on Assets 3.55% Return on Equity 54.19% Interest Income $58.28 million Non-Interest Income $51.84 million

Institution Health Overall Score: 4 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 Arizona Credit Union had $15.55 million in non-current loans and owned real-estate with $112.81 million in equity and loan loss allowances on hand to cover it. This gives Arizona Credit Union a Texas Ratio of 13.78% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Arizona Credit Union decreased significantly from 35.86% as of December 31, 2010 to 13.78% as of December 31, 2011, resulting in a positive change of 61.56%.This indicates that the balance sheet and financial strength for Arizona Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Arizona Credit Union has decreased its total deposits by -$43.49 million, resulting in -3.67% 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 Arizona Credit Union has shown is below 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. Arizona Credit Union has $1.27 billion in assets with $112.81 million in equity, resulting in a capitalization level of 8.88%, which is average.

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