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Overview / Commentary
520-887-5010
6850 N Oracle Rd
Tucson, AZ 85704

Pima Credit Union is headquartered in Tucson and is the 10st largest credit union in the state of Arizona. It is also the 526th largest credit union in the nation. It was established in 1951 and as of December of 2013, it had grown to 133 employees and 51,413 members. Pima Credit Union has a A health rating.

Field of Membership Restrictions

You are probably already eligible to join Pima Federal Credit Union - you just need to meet one of the following requirements: * Work as an employee of a company in the Select Employee Group. * Be an employee, volunteer or registered member of any non-profit organization in Pima County. * Be related to anyone who qualifies for membership under our Select Employee Group. * Join Literacy Volunteers of Tucson, with a $10 membership fee, when you open your account. - See Details

Reviews (1)

Personal And Friendly

Have been with this credit union since 1977 or thereabouts.  While they have grown from a small building into a larger building and bigger operation, they still haven't lost their personal touch.  They are responsive, friendly, and caring.  I enjoy being treated like a person instead of a wallet or number. 



Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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, 2013 Pima Credit Union had $647,000 in non-current loans and owned real-estate with $38.38 million in equity and loan loss allowances on hand to cover it. This gives Pima Credit Union a Texas Ratio of 1.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Pima Credit Union experienced no significant changes from 1.18% as of December 31, 2012 to 1.69% as of December 31, 2013, resulting in a negative change of 42.65%. This indicates that the balance sheet and financial strength for Pima Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Pima Credit Union has increased its total deposits by $11.43 million, resulting in 3.44% 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 Pima Credit Union has shown is excellent.

Capitalization

GRADE:
B

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. Pima Credit Union has $401.58 million in assets with $38.38 million in equity, resulting in a capitalization level of 9.56%, which is above average.

Institution Statistics

Overall
NCUA #7316
Year Chartered1951
Employees133
Primary Regulator
Assets and Liabilities
Assets$401.58 million
Loans$195.56 million
Deposits$343.67 million
Equity Capital$36.02 million
Loan Loss Allowance$2.36 million
Unbacked Noncurrent Loans$529,000
Real Estate Owned$118,000
Historic Data - December 2012
Assets$376.22 million
Equity Capital$40.01 million
Loan Loss Allowance$1.87 million
Unbacked Noncurrent Loans$529,000
Real Estate Owned$54,000
Profit Margin - Quarterly
Net Interest Margin5.24%
Return on Assets0.38%
Return on Equity4.25%
Interest Income$13.97 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Pima Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Pima Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$50k-IRA Shares
0.20%$50k-Roth IRA Shares
0.05%$25-Regular Shares
0.05%$25-Holiday Shares
0.05%--Special Shares

Pima Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$50k-Money Market Savings Account

Pima Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.00%--Checking Shares

Pima Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.45%$250-60 Month CD
1.20%$250-48 Month CD
1.00%$250-36 Month CD
0.85%$250-30 Month CD
0.65%$250-24 Month CD
0.50%$250-18 Month CD
0.30%$250-12 Month CD
0.20%$250-6 Month CD

Pima Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.55%$250-60 Month IRA (Traditional,Roth)
1.30%$250-48 Month IRA (Traditional,Roth)
1.10%$250-36 Month IRA (Traditional,Roth)
0.95%$250-30 Month IRA (Traditional,Roth)
0.75%$250-24 Month IRA (Traditional,Roth)
0.60%$250-18 Month IRA (Traditional,Roth)
0.40%$250-12 Month IRA (Traditional,Roth)
0.30%$250-6 Month IRA (Traditional,Roth)
Locations


Pima Credit Union Locations
Branch Office2455 E Valencia Rdtucson, AZ 85706-5838
Branch Office6850 N Oracle RdTucson, AZ 85704-4223
Branch Office830 E Main St Unit 170springerville, AZ 85938
Branch Office6510 N Thornydale Rdtucson, AZ 85741-2804
Branch Office231 N Pantano Rdtucson, AZ 85710-2343
Branch Office1177 W Silverlake Rdtucson, AZ 85713-1439
Branch Office3730 N Stone Avetucson, AZ 85705-3204