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Overview / Commentary
721 N 3rd St
Phoenix, AZ 85004

Marisol Credit Union is headquartered in Phoenix and is the 26th largest credit union in the state of Arizona. It is also the 2,819st largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 20 employees and 6,973 members. Marisol Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee or retiree of Maricopa County. Also open to those who live, work or worship in selected areas in Mesa, Arizona. - See Details

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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. Marisol Credit Union has a 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 Marisol Credit Union had $37,000 in non-current loans and owned real-estate with $3.01 million in equity and loan loss allowances on hand to cover it. This gives Marisol Credit Union a Texas Ratio of 1.23% 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 Marisol Credit Union decreased dramatically from 3.72% as of March 31, 2013 to 1.23% as of March 31, 2014, resulting in a positive change of 66.98%.This indicates that the balance sheet and financial strength for Marisol Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Marisol Credit Union has increased its total deposits by $837,000, resulting in 2.85% 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 Marisol 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. Marisol Credit Union has $33.46 million in assets with $3.01 million in equity, resulting in a capitalization level of 9.00%, which is average.

Institution Statistics

NCUA #9469
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$33.46 million
Loans$16.29 million
Deposits$30.18 million
Equity Capital$2.81 million
Loan Loss Allowance$198,000
Unbacked Noncurrent Loans$37,000
Real Estate Owned$0
Historic Data - March 2013
Assets$32.62 million
Equity Capital$2.84 million
Loan Loss Allowance$219,000
Unbacked Noncurrent Loans$37,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.67%
Return on Assets0.32%
Return on Equity3.84%
Interest Income$327,000

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Marisol Credit Union Savings Account Rates

0.15%$10k-IRA Savings Account
0.15%$10k-Roth IRA Savings Account
0.15%$10k-Coverdell Education Savings Account
0.10%$25-Kids Club Account
0.10%--Vacation Club Account
0.10%--Christmas Club Account
0.03%$25-Share (Savings) Account

Marisol Credit Union Money Market Rates

0.05%$1k-Money Market Savings Account

Marisol Credit Union Checking Account Rates

0.10%--Premier Checking Account

Marisol Credit Union CD Rates

0.85%$500-60 Month Share CD
0.55%$500-36 Month Share CD
0.40%$500-24 Month Share CD
0.15%$500-12 Month Share CD
0.10%$500-6 Month Share CD

Marisol Credit Union IRA Rates

0.95%$500-60 Month IRA Share Certificate
0.65%$500-36 Month IRA Share Certificate
0.50%$500-24 Month IRA Share Certificate
0.25%$500-12 Month IRA Share Certificate
0.25%$2k-12 Month Coverdell IRA Share Certificate
0.20%$500-6 Month IRA Share Certificate

Marisol Credit Union Locations
Branch Office3220 W Gibson Ln SUITE 200Phoenix, AZ 85009
Branch Office635 E Broadway RdMesa, AZ 85204
Branch Office721 N 3rd StPhoenix, AZ 85004
Branch Office2601 E ROOSEVELT ST Rm 0-B-23PHOENIX, AZ 85008-4973