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Overview / Commentary
16215 N 28th Ave
Phoenix, AZ 85053

Deer Valley Credit Union is headquartered in Phoenix and is the 15st largest credit union in the state of Arizona. It is also the 909th largest credit union in the nation. It was established in 1971 and as of March of 2014, it had grown to 53 employees and 14,997 members. Deer Valley Credit Union has a B+ health rating.

Field of Membership Restrictions

Deer Valley Credit Union offers membership to all individuals who live, work, or worship within the community throughout the Central, North and Northwest Valley. Boundaries are South to University Ave, North to Anthem, West to the White Tanks Mountains and East to Scottsdale Road. - See Details

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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 Deer Valley Credit Union had $200,000 in non-current loans and owned real-estate with $17.9 million in equity and loan loss allowances on hand to cover it. This gives Deer Valley Credit Union a Texas Ratio of 1.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Deer Valley Credit Union decreased dramatically from 4.70% as of March 31, 2013 to 1.12% as of March 31, 2014, resulting in a positive change of 76.22%.This indicates that the balance sheet and financial strength for Deer Valley Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Deer Valley Credit Union has decreased its total deposits by $-551,000, resulting in -0.29% 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 Deer Valley Credit Union has shown is 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. Deer Valley Credit Union has $210.05 million in assets with $17.9 million in equity, resulting in a capitalization level of 8.52%, which is average.

Institution Statistics

NCUA #68498
Year Chartered1971
Primary Regulator
Assets and Liabilities
Assets$210.05 million
Loans$95.05 million
Deposits$190.37 million
Equity Capital$16.65 million
Loan Loss Allowance$1.25 million
Unbacked Noncurrent Loans$200,000
Real Estate Owned$0
Historic Data - March 2013
Assets$209.31 million
Equity Capital$16.20 million
Loan Loss Allowance$1.53 million
Unbacked Noncurrent Loans$200,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.53%
Return on Equity6.66%
Interest Income$1.30 million

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Deer Valley Credit Union Savings Account Rates

0.50%-$2,500High Yield Youth Savings Account
0.05%--Savings Accounts
0.05%--IRA Account

Deer Valley Credit Union Money Market Rates

0.10%$50k-Money Market Maximizer

Deer Valley Credit Union Checking Account Rates

0.15%$50k-Particpation Accounts
0.02%--Value Checking Account

Deer Valley Credit Union CD Rates

1.00%$500-5-Year Share Certificate
0.35%$500-3-Year Share Certificate
0.25%$500-2-Year Share Certificate
0.20%$500-52-Week Share Certificate
0.15%$500-26-Week Share Certificate
0.10%$500-13-Week Share Certificate

Deer Valley Credit Union IRA Rates

1.00%$500-5-Year IRA Share Certificate
0.35%$500-3-Year IRA Share Certificate
0.25%$500-2-Year IRA Share Certificate
0.20%$500-52-Week IRA Share Certificate
0.15%$500-26-Week IRA Share Certificate
0.10%$500-13-Week IRA Share Certificate

Deer Valley Credit Union Locations
Branch Office15613 W Bell RdSurprise, AZ 85374-3558
Branch Office18559 N 59th AveGlendale, AZ 85308-1251
Branch Office3428 W Anthem WayAnthem, AZ 85086-0452
Branch Office16215 N 28th AvePhoenix, AZ 85053