1 star ratingAverage User Rating:
1 star rating based on 1 review.

Pinal County Credit Union

Pinal County Credit Union Locations
1000 East Florence Boulevard
Casa Grande, AZ 85222
1-800-221-4179
www.pinalcountyfcu.com

Pinal County Credit Union is headquartered in Casa Grande and is the 21st largest credit union in the state of Arizona. It is also the 1,473rd largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 55 employees and 17,898 members. Pinal County Credit Union has a 4-star health rating.



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

Pinal County Credit Union Checking Account Rates

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0.15%$2,500-Business Checking Account

Pinal County Credit Union Savings Account Rates

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0.75%$50k-IRA Savings
0.75%$50k-Roth IRA Savings
0.75%$50k-SEP IRA Savings
0.75%$50k-Educational IRA Savings
0.15%--Youth Savings
0.10%--Holiday Club
0.10%--Vacation Club
0.10%--My Club
0.10%--Business Share Account
0.05%--Savings Account

Pinal County Credit Union Money Market Rates

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0.15%$25k-Money Market Account

Pinal County Credit Union CD Rates

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1.76%$5k-5 Year Share Certificate
1.51%$5k-4 Year Share Certificate
1.01%$5k-3 Year Share Certificate
0.80%$5k-2 Year Share Certificate
0.50%$5k-1 Year Share Certificate
0.25%$500-6 Month Share Certificate

Pinal County Credit Union IRA Rates

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1.76%$5k-5 Year IRA Certificate
1.76%$5k-5 Year Roth IRA Certificate
1.76%$5k-5 Year SEP IRA Certificate
1.76%$5k-5 Year Educational IRA Certificate
1.51%$5k-4 Year IRA Certificate
1.51%$5k-4 Year Roth IRA Certificate
1.51%$5k-4 Year SEP IRA Certificate
1.51%$5k-4 Year Educational IRA Certificate
1.01%$5k-3 Year IRA Certificate
1.01%$5k-3 Year Roth IRA Certificate
1.01%$5k-3 Year SEP IRA Certificate
1.01%$5k-3 Year Educational IRA Certificate
0.80%$5k-2 Year IRA Certificate
0.80%$5k-2 Year Roth IRA Certificate
0.80%$5k-2 Year SEP IRA Certificate
0.80%$5k-2 Year Educational IRA Certificate
0.50%$5k-1 Year IRA Certificate
0.50%$5k-1 Year Roth IRA Certificate
0.50%$5k-1 Year SEP IRA Certificate
0.50%$5k-1 Year Educational IRA Certificate
0.25%$500-6 Month IRA Certificate
0.25%$500-6 Month Roth IRA Certificate
0.25%$500-6 Month SEP IRA Certificate
0.25%$500-6 Month Educational IRA Certificate

Rates updated: 5/27/2012 * Not all products updated

Data for Q4 2011


Institution Statistics


PINAL COUNTY
NCUA #9099
BankRate ReportView
Year Chartered1954
Employees55
Primary Regulator

Assets and Liabilities

Assets$95.11 million
Loans$61.96 million
Deposits$87.77 million
Equity Capital$6.81 million
Loan Loss Allowance$1.20 million
Unbacked Noncurrent Loans$1.18 million

Historic Data - December 2010

Assets$86.36 million
Equity Capital$6.05 million
Loan Loss Allowance$1.99 million
Unbacked Noncurrent Loans$1.01 million

Profit Margin - Quarterly

Net Interest Margin7.56%
Return on Assets0.97%
Return on Equity13.61%
Interest Income$4.89 million
Non-Interest Income$2.71 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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 Pinal County Credit Union had $1.18 million in non-current loans and owned real-estate with $8.01 million in equity and loan loss allowances on hand to cover it. This gives Pinal County Credit Union a Texas Ratio of 14.71% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Pinal County Credit Union held steady from 12.57% as of December 31, 2010 to 14.71% as of December 31, 2011, resulting in a negative change of 17.03%. This indicates that the balance sheet and financial strength for Pinal County Credit Union has held steady in recent periods.
Deposit Growth5
In the past year, Pinal County Credit Union has increased its total deposits by $7.69 million, resulting in 9.61% 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 Pinal County Credit Union has shown is excellent.
Capitalization3
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. Pinal County Credit Union has $95.11 million in assets with $8.01 million in equity, resulting in a capitalization level of 8.42%, which is average.
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Fraud Is Prevelent
1 stars - fixpinalcounty - Sunday, August 7, 2011 - 3:29 PM

The Pinal County Federal Credit Union has recently gone thru an overhaul of its management, including its CEO, CFO and many upper management.  The Credit Union is under fire for its employees forging member signatures to secure loans using and forging loan documents.  Further there are a choice few members, management and oversight personel who use and allow the  assets of the Pinal County Federal Credit Union to be used as a private piggy bank.  It is further comming to light that local goverment employees are recieving loans and paying said loans with cash payments, the Credit Union is being used to launder money from iligal means and ilgotten gains.  Law enforcement along with the N.C.U.A have been made aware of this thru complaints by members but a blind eye has been turned.

Not a safe place to keep your money!

2
 
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