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Overview / Commentary
5414 W Glenn Dr
Glendale, AZ 85301

Jacl Credit Union is headquartered in Glendale and is the 45th largest credit union in the state of Arizona. It is also the 6,281st largest credit union in the nation. It was established in 1970 and as of March of 2014, it had grown to 190 members. Jacl Credit Union has a C+ health rating.

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Data for Q1 2014

Institution Health

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

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 Jacl Credit Union had $0 in non-current loans and owned real-estate with $145,000 in equity and loan loss allowances on hand to cover it. This gives Jacl Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Jacl Credit Union has decreased its total deposits by $-37,000, resulting in -5.22% 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 Jacl Credit Union has shown is below 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. Jacl Credit Union has $819,000 in assets with $145,000 in equity, resulting in a capitalization level of 17.70%, which is excellent.

Institution Statistics

NCUA #61451
Year Chartered1970
Primary Regulator
Assets and Liabilities
Equity Capital$143,000
Loan Loss Allowance$2,000
Real Estate Owned$0
Historic Data - March 2013
Equity Capital$154,000
Loan Loss Allowance$2,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin0.75%
Return on Assets-0.98%
Return on Equity-5.59%
Interest Income$2,000

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Jacl Credit Union Locations
Branch Office5414 W Glenn DrGlendale, AZ 85301-2628