Mazuma Credit Union

9300 Troost Ave
Kansas City, MO 64131
www.mazuma.org

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Mazuma Credit Union is headquartered in Kansas City and is the 5^th largest credit union in the state of Missouri. It is also the 431^st largest credit union in the nation. It was established in 1948 and as of December of 2011, it had grown to 194 employees and 52,448 members. Mazuma Credit Union's CD rates are 23% higher than the national average, and it has a 3-star health rating.

Mazuma Credit Union Routing Number: 301080855

6.00% 60-Month CD ($6K Max) at Mazuma Credit Union in Missouri - 10/9/2008

Mazuma Credit Union is offering a special 6.00% APY 5-year CD. The minimum deposit is $500, and the maximum is $6,000. It's also available as an IRA CD. The special is scheduled to last through 11/30/08.The maximum deposit of $6K hurts this deal, but the...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Mazuma Credit Union Checking Account Rates

Apy	Min	Max	Product
0.16%	$5k	-	Premier Checking Account
0.11%	$1k	-	Signature Checking Account
0.00%	-	-	Classic Checking Account

Mazuma Credit Union Savings Account Rates

Apy	Min	Max	Product
0.36%	$10k	-	Youth Savings - Money Bunny
0.36%	$10k	-	FYI Savings Account
0.21%	$10k	-	Regular Savings Account
0.21%	$10k	-	Special Share Savings Account
0.21%	$10k	-	IRA Share
0.21%	$10k	-	Roth IRA Share
0.21%	$10k	-	Education IRA Share

Mazuma Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.56%	$100k	-	Money Market Account

Mazuma Credit Union CD Rates

Apy	Min	Max	Product
1.83%	$25k	-	5 Year Premier CD
1.73%	$10k	-	5 Year Signature CD
1.63%	$500	-	5 Year Classic CD
1.47%	$25k	-	4 Year Premier CD
1.37%	$10k	-	4 Year Signature CD
1.31%	$25k	-	3 Year Premier CD
1.27%	$500	-	4 Year Classic CD
1.21%	$10k	-	3 Year Signature CD
1.11%	$500	-	3 Year Classic CD
1.11%	$5k	-	3 Year Jump Up CD
1.11%	$100	$5k	3 Year Young Investor CD
1.11%	$5k	-	3 Year Deposit CD
0.91%	$25k	-	2 Year Premier CD
0.81%	$10k	-	2 Year Signature CD
0.71%	$500	-	2 Year Classic CD
0.71%	$5k	-	2 Year Jump Up CD
0.71%	$5k	-	2 Year Deposit CD
0.61%	$25k	-	1 Year Premier CD
0.51%	$10k	-	1 Year Signature CD
0.41%	$500	-	1 Year Classic CD
0.41%	$100	-	1 Year Wealth Builder CD
0.41%	$500	-	1 Year Retirement Access CD
0.31%	$500	-	6 Month Classic CD
0.21%	$500	-	3 Month Classic CD

Mazuma Credit Union IRA Rates

Apy	Min	Max	Product
1.83%	$25k	-	5 Year Premier IRA
1.83%	$25k	-	5 Year Premier Roth IRA
1.83%	$25k	-	5 Year Premier Education IRA
1.73%	$10k	-	5 Year Signature IRA
1.73%	$10k	-	5 Year Signature Roth IRA
1.73%	$10k	-	5 Year Signature Education IRA
1.63%	$500	-	5 Year Classic IRA
1.63%	$500	-	5 Year Classic Roth IRA
1.63%	$500	-	5 Year Classic Education IRA
1.47%	$25k	-	4 Year Premier IRA
1.47%	$25k	-	4 Year Premier Roth IRA
1.47%	$25k	-	4 Year Premier Education IRA
1.37%	$10k	-	4 Year Signature IRA
1.37%	$10k	-	4 Year Signature Roth IRA
1.37%	$10k	-	4 Year Signature Education IRA
1.31%	$25k	-	3 Year Premier IRA
1.31%	$25k	-	3 Year Premier Roth IRA
1.31%	$25k	-	3 Year Premier Education IRA
1.27%	$500	-	4 Year Classic IRA
1.27%	$500	-	4 Year Classic Roth IRA
1.27%	$500	-	4 Year Classic Education IRA
1.21%	$10k	-	3 Year Signature IRA
1.21%	$10k	-	3 Year Signature Roth IRA
1.21%	$10k	-	3 Year Signature Education IRA
1.11%	$500	-	3 Year Classic IRA
1.11%	$500	-	3 Year Classic Roth IRA
1.11%	$500	-	3 Year Classic Education IRA
0.91%	$25k	-	2 Year Premier IRA
0.91%	$25k	-	2 Year Premier Roth IRA
0.91%	$25k	-	2 Year Premier Education IRA
0.81%	$10k	-	2 Year Signature IRA
0.81%	$10k	-	2 Year Signature Roth IRA
0.81%	$10k	-	2 Year Signature Education IRA
0.71%	$500	-	2 Year Classic IRA
0.71%	$500	-	2 Year Classic Roth IRA
0.71%	$500	-	2 Year Classic Education IRA
0.61%	$25k	-	1 Year Premier IRA
0.61%	$25k	-	1 Year Premier Roth IRA
0.61%	$25k	-	1 Year Premier Education IRA
0.51%	$10k	-	1 Year Signature IRA
0.51%	$10k	-	1 Year Signature Roth IRA
0.51%	$10k	-	1 Year Signature Education IRA
0.41%	$500	-	1 Year Classic IRA
0.41%	$500	-	1 Year Retirement Access IRA
0.41%	$500	-	1 Year Classic Roth IRA
0.41%	$500	-	1 Year Classic Education IRA
0.31%	$500	-	6 Month Classic IRA
0.31%	$500	-	6 Month Classic Roth IRA
0.31%	$500	-	6 Month Classic Education IRA
0.21%	$500	-	3 Month Classic IRA
0.21%	$500	-	3 Month Classic Roth IRA
0.21%	$500	-	3 Month Classic Education IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

MAZUMA
NCUA #	64084
BankRate Report	View
Year Chartered	1948
Employees	194
Primary Regulator
Assets and Liabilities
Assets	$452.30 million
Loans	$292.29 million
Deposits	$399.27 million
Equity Capital	$39.11 million
Loan Loss Allowance	$6.42 million
Unbacked Noncurrent Loans	$13.83 million
Real Estate Owned	$1.68 million
Historic Data - December 2010
Assets	$420.41 million
Equity Capital	$34.99 million
Loan Loss Allowance	$7.55 million
Unbacked Noncurrent Loans	$6.06 million
Real Estate Owned	$1.81 million
Profit Margin - Quarterly
Net Interest Margin	6.13%
Return on Assets	0.95%
Return on Equity	11.04%
Interest Income	$20.10 million
Non-Interest Income	$14.64 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Mazuma Credit Union had $15.51 million in non-current loans and owned real-estate with $45.52 million in equity and loan loss allowances on hand to cover it. This gives Mazuma Credit Union a Texas Ratio of 34.07% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Mazuma Credit Union increased slightly from 18.50% as of December 31, 2010 to 34.07% as of December 31, 2011, resulting in a negative change of 84.15%. This indicates that the balance sheet and financial strength for Mazuma Credit Union has declined slightly in recent periods.
Deposit Growth
In the past year, Mazuma Credit Union has increased its total deposits by $28.77 million, resulting in 7.77% 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 Mazuma Credit Union has shown is excellent.
Capitalization
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. Mazuma Credit Union has $452.3 million in assets with $45.52 million in equity, resulting in a capitalization level of 10.06%, which is above average.