Arizona State Credit Union

Arizona State Credit Union is headquartered in PHOENIX and is the 2^nd largest credit union in the state of Arizona. It is also the 123^rd largest credit union in the nation. It was established in 1972 and as of December of 2012, it had grown to 352 employees and 125,665 members. Arizona State Credit Union has a 5-star health rating.

Arizona State Credit Union Routing Number: 322172496

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Data for Q4 2012

Institution Statistics ARIZONA STATE NCUA # 61315 BankRate Report View Year Chartered 1972 Employees 352 Primary Regulator Assets and Liabilities Assets $1.43 billion Loans $915.88 million Deposits $1.25 billion Equity Capital $123.93 million Loan Loss Allowance $24.74 million Unbacked Noncurrent Loans $8.89 million Real Estate Owned $3.41 million Historic Data - December 2011 Assets $1.30 billion Equity Capital $106.24 million Loan Loss Allowance $21.57 million Unbacked Noncurrent Loans $16.57 million Real Estate Owned $8.25 million Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 1.28% Return on Equity 14.83% Interest Income $48.38 million Non-Interest Income $37.52 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, 2012 Arizona State Credit Union had $12.3 million in non-current loans and owned real-estate with $148.67 million in equity and loan loss allowances on hand to cover it. This gives Arizona State Credit Union a Texas Ratio of 8.27% 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 State Credit Union decreased significantly from 19.42% as of December 31, 2011 to 8.27% as of December 31, 2012, resulting in a positive change of 57.41%.This indicates that the balance sheet and financial strength for Arizona State Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Arizona State Credit Union has increased its total deposits by $80.22 million, resulting in 6.84% 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 State Credit Union has shown is excellent. 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 State Credit Union has $1.43 billion in assets with $148.67 million in equity, resulting in a capitalization level of 10.39%, which is above average.

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