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100 S 3rd St
Hamilton, OH 45011-2816

Chaco Credit Union is headquartered in Hamilton and is the 34th largest credit union in the state of Ohio. It is also the 1,027th largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 61 employees and 25,022 members. Chaco Credit Union has a B health rating.

Field of Membership Restrictions

Anyone who lives, works, attends school or worships in Butler, Hamilton, Preble or Warren counties is eligible to join. You can also join if you are employed by one of CHACOs Select Employee Groups. - See Details

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Reviews (1)

Don't Deal With This Bank

I purchased a car from a member of this credit union. I went with him the day I purchased it, and wrote a check for the full amount. My check cleared the following day. It has been over a month and still no title. It's obvious that this bank suffers from a severe lack of internal processes.


Data for Q1 2014

Institution Health


Texas Ratio


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 Chaco Credit Union had $1.73 million in non-current loans and owned real-estate with $15.1 million in equity and loan loss allowances on hand to cover it. This gives Chaco Credit Union a Texas Ratio of 11.47% 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 Chaco Credit Union decreased slightly from 16.27% as of March 31, 2013 to 11.47% as of March 31, 2014, resulting in a positive change of 29.54%.This indicates that the balance sheet and financial strength for Chaco Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Chaco Credit Union has increased its total deposits by $1.05 million, resulting in 0.66% 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 Chaco Credit Union has shown is above average.



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. Chaco Credit Union has $177.67 million in assets with $15.1 million in equity, resulting in a capitalization level of 8.50%, which is average.

Institution Statistics

NCUA #60954
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$177.67 million
Loans$125.74 million
Deposits$160.42 million
Equity Capital$13.99 million
Loan Loss Allowance$1.11 million
Unbacked Noncurrent Loans$1.56 million
Real Estate Owned$168,000
Historic Data - March 2013
Assets$176.54 million
Equity Capital$13.73 million
Loan Loss Allowance$1.50 million
Unbacked Noncurrent Loans$1.56 million
Real Estate Owned$463,000
Profit Margin - Quarterly
Return on Assets0.18%
Return on Equity2.35%
Interest Income$1.49 million

Always verify rates and promotions with the bank or credit union. We are not Chaco Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Chaco Credit Union Savings Account Rates

0.20%--IRA Accumulation Account
0.20%--Roth IRA Accumulation Account
0.02%--Basic Shares Account

Chaco Credit Union Money Market Rates

0.20%$100k-Classic Oak Money Market Account

Chaco Credit Union Checking Account Rates

0.05%--Members Choice Checking Account

Chaco Credit Union CD Rates

1.00%$500-72 Month CD
0.90%$500-49-59 Month CD
0.90%$500-60 Month CD
0.85%$500-37-48 Month CD
0.65%$500-31-36 Month CD
0.60%$500-30 Month CD
0.43%$500-24-29 Month CD
0.28%$500-18-23 Month CD
0.24%$500-12-17 Month CD
0.18%$500-7-11 Month CD
0.13%$500-6 Month CD
0.05%$500-3 Month CD

Chaco Credit Union IRA Rates

1.00%$500-72 Month IRA
0.90%$500-49-59 Month IRA
0.90%$500-60 Month IRA
0.85%$500-37-48 Month IRA
0.65%$500-31-36 Month IRA
0.60%$500-30 Month IRA
0.43%$500-24-29 Month IRA
0.28%$500-18-23 Month IRA
0.24%$500-12-17 Month IRA
0.18%$500-7-11 Month IRA
0.13%$500-6 Month IRA
0.05%$500-3 Month IRA

Chaco Credit Union Locations
Branch Office601 Park AveHamilton, OH 45013-3064
Branch Office100 S 3rd StHamilton, OH 45011-2816
Branch Office3201 Princeton RdHamilton, OH 45011-5332
Branch Office7237 Cincinnati Dayton RdWest Chester, OH 45069
Branch Office950 Deis DrFairfield, OH 45014-8128