Navy Army Community Credit Union

5725 Spohn Drive
Corpus Christi, TX 78414
361-986-4500
www.navyarmyccu.com

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Navy Army Community Credit Union is headquartered in Corpus Christi and is the 8^th largest credit union in the state of Texas. It is also the 100^th largest credit union in the nation. It was established in 1955 and as of December of 2012, it had grown to 305 employees and 111,602 members. Navy Army Community Credit Union's savings rates are 2X the national average, and it boasts a 5-star health rating.

Best CD in America has a Rate Cut - Navy Army Community CU in Texas - Local Only - 1/9/2013

The rate has fallen, but it remains a great deal. It's the 30-month CD at Navy Army Community Credit Union . Most of last year it had a 3.00% APY. On Monday the yield fell to 2.50%. Minimum deposit is ...

Navy Army CCU Pays 12% Year-End Dividend (Forum) - 12/17/2012

A welcome piece of news in the afternoon mail: a letter from NavyArmy dated 12/13 announcing a 12% bonus dividend to be deposited into a member's savings (share) account on or before 12/17/12 (today). The amount equates to 2012 dividends pai

Top 30-Month CD Rate Continues at Navy Army Community Credit Union in Texas - Local Only - 11/13/2012

I was surprised last December when I saw Navy Army Community Credit Union offering a 3.00% APY 30-month CD. It's amazing that this credit union continues to offer this CD which is the best CD deal in ...

Top Mid-Term CD Rate at NavyArmy Federal Credit Union in Texas - Local Only - 12/8/2011

Finding 3 percent CDs is very difficult these days. It's even hard to find these CDs with terms of 7 and 10 years. That's why I was surprised when I noticed the new 30-month 3.00% APY CD from NavyArmy ...

2011

3/18 - NavyArmy FCU Rate Change For Libery Checking (Forum)

2010

2009

6/28 - High-Yield Reward Checking Account at NavyArmy Federal Credit Union in Texas - Local Only

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

Navy Army Community Credit Union Checking Account Rates

Apy	Min	Max	Product
3.51%	-	$25k	Liberty Checking Share Draft
0.00%	-	-	Basic Share Draft

Navy Army Community Credit Union Savings Account Rates

Apy	Min	Max	Product
1.25%	$50	-	IRA Share Account
1.25%	$50	-	Roth IRA Share Account
1.25%	$50	-	CESA Share Account
0.75%	$10k	-	Home Savings
0.75%	$10k	-	Share Savings

Navy Army Community Credit Union Money Market Rates

	Apy	Min	Max	Product
	1.00%	$2k	-	Money Market Account

Navy Army Community Credit Union CD Rates

Apy	Min	Max	Product
2.50%	$1k	$500k	30 Month Term Share Account
1.85%	$100k	-	2 Year Term Share Account
1.45%	$100k	-	1 Year Term Share Account
1.20%	$100k	-	9 Month Term Share Account
1.15%	$100k	-	6 Month Term Share Account
1.05%	$100k	-	3 Month Term Share Account

Navy Army Community Credit Union IRA Rates

Apy	Min	Max	Product
2.00%	$1k	-	2 Year IRA Term Share
2.00%	$1k	-	2 Year Roth IRA Term Share
2.00%	$1k	-	2 Year CESA Term Share
1.60%	$1k	-	1 Year IRA Term Share
1.60%	$1k	-	1 Year Roth IRA Term Share
1.60%	$1k	-	1 Year CESA Term Share

Rates updated: 5/23/2013

Data for Q4 2012

Institution Statistics

NAVY ARMY COMMUNITY
NCUA #	68615
BankRate Report	View
Year Chartered	1955
Employees	305
Primary Regulator
Assets and Liabilities
Assets	$1.68 billion
Loans	$1.51 billion
Deposits	$1.51 billion
Equity Capital	$155.18 million
Loan Loss Allowance	$11.37 million
Unbacked Noncurrent Loans	$6.76 million
Historic Data - December 2011
Assets	$1.33 billion
Equity Capital	$125.46 million
Loan Loss Allowance	$8.37 million
Unbacked Noncurrent Loans	$4.59 million
Real Estate Owned	$247,000
Profit Margin - Quarterly
Net Interest Margin	3.47%
Return on Assets	1.96%
Return on Equity	21.16%
Interest Income	$77.88 million
Non-Interest Income	$25.04 million

Institution Health

Overall Score:

5 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, 2012 Navy Army Community Credit Union had $6.76 million in non-current loans and owned real-estate with $166.54 million in equity and loan loss allowances on hand to cover it. This gives Navy Army Community Credit Union a Texas Ratio of 4.06% 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 Navy Army Community Credit Union held steady from 3.62% as of December 31, 2011 to 4.06% as of December 31, 2012, resulting in a negative change of 12.31%. This indicates that the balance sheet and financial strength for Navy Army Community Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Navy Army Community Credit Union has increased its total deposits by $306.7 million, resulting in 25.44% 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 Navy Army Community 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. Navy Army Community Credit Union has $1.68 billion in assets with $166.54 million in equity, resulting in a capitalization level of 9.94%, which is average.