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Overview / Commentary
866-456-0011
509 Vigil Ave
Las Animas, CO 81054

Arkansas Valley Credit Union is headquartered in Las Animas and is the 66th largest credit union in the state of Colorado. It is also the 4,309th largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 4 employees and 3,014 members. Arkansas Valley Credit Union's savings rates are 44% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Bent, Crowley or Otero County. - See Details

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Health

Data for Q1 2014

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Arkansas Valley Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

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 Arkansas Valley Credit Union had $2,000 in non-current loans and owned real-estate with $1.22 million in equity and loan loss allowances on hand to cover it. This gives Arkansas Valley Credit Union a Texas Ratio of 0.16% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Arkansas Valley Credit Union decreased dramatically from 0.33% as of March 31, 2013 to 0.16% as of March 31, 2014, resulting in a positive change of 50.37%.This indicates that the balance sheet and financial strength for Arkansas Valley Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Arkansas Valley Credit Union has increased its total deposits by $203,000, resulting in 1.99% 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 Arkansas Valley Credit Union has shown is above average.

Capitalization

GRADE:
B+

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. Arkansas Valley Credit Union has $11.58 million in assets with $1.22 million in equity, resulting in a capitalization level of 10.52%, which is above average.

Institution Statistics

Overall
NCUA #1479
Year Chartered1936
Employees4
Primary Regulator
Assets and Liabilities
Assets$11.58 million
Loans$4.93 million
Deposits$10.38 million
Equity Capital$1.16 million
Loan Loss Allowance$54,000
Unbacked Noncurrent Loans$2,000
Real Estate Owned$0
Historic Data - March 2013
Assets$11.37 million
Equity Capital$1.15 million
Loan Loss Allowance$59,000
Unbacked Noncurrent Loans$2,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.17%
Return on Equity-1.72%
Interest Income$75,000
Rates
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Arkansas Valley Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.75%--Burial Fund Trust Account
0.75%--IRA Share
0.75%--Roth IRA Share
0.05%--Regular Share
0.05%--Christmas Club

Arkansas Valley Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.02%$500-Share Draft Account

Arkansas Valley Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.70%$500-24 Month CD
0.60%$500-18 Month CD
0.35%$500-12 Month CD
0.25%$500-6 Month CD

Arkansas Valley Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.85%$1k-24 Month IRA
Locations


Arkansas Valley Credit Union Locations
Branch Office509 Vigil AveLas Animas, CO 81054
Branch Office401 N 6th StRocky Ford, CO 81067-1135