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800-221-4179
1000 E Florence Blvd
Casa Grande, AZ 85122

Pinal County Credit Union is headquartered in Casa Grande and is the 22nd largest credit union in the state of Arizona. It is also the 1,410st largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 63 employees and 19,501 members. Pinal County Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Pinal County. For business accounts, business must be headquartered in Pinal County. - See Details

Reviews (1)

Fraud Is Prevelent

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!



Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

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 Pinal County Credit Union had $362,000 in non-current loans and owned real-estate with $7.67 million in equity and loan loss allowances on hand to cover it. This gives Pinal County Credit Union a Texas Ratio of 4.72% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Pinal County Credit Union decreased dramatically from 8.06% as of March 31, 2013 to 4.72% as of March 31, 2014, resulting in a positive change of 41.45%.This indicates that the balance sheet and financial strength for Pinal County Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, Pinal County Credit Union has increased its total deposits by $3.94 million, resulting in 3.95% 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.

Capitalization

GRADE:
C-

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 $111.54 million in assets with $7.67 million in equity, resulting in a capitalization level of 6.88%, which is below average.

Institution Statistics

Overall
NCUA #9099
Year Chartered1954
Employees63
Primary Regulator
Assets and Liabilities
Assets$111.54 million
Loans$61.26 million
Deposits$103.52 million
Equity Capital$6.97 million
Loan Loss Allowance$704,000
Unbacked Noncurrent Loans$362,000
Real Estate Owned$0
Historic Data - March 2013
Assets$106.90 million
Equity Capital$6.84 million
Loan Loss Allowance$730,000
Unbacked Noncurrent Loans$362,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.52%
Return on Assets0.52%
Return on Equity8.38%
Interest Income$1.04 million
Rates
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Pinal County Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$10k-IRA Savings
0.25%$10k-Roth IRA Savings
0.25%$10k-SEP IRA Savings
0.25%$10k-Educational IRA Savings
0.10%--Youth Savings
0.01%--Savings Account
0.01%--Holiday Club
0.01%--Vacation Club
0.01%--My Club
0.01%--Business Share Account

Pinal County Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.05%$2,500-Money Market Account

Pinal County Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.80%$1k-5 Year Share Certificate
0.60%$1k-4 Year Share Certificate
0.30%$1k-3 Year Share Certificate
0.20%$1k-2 Year Share Certificate
0.10%$1k-1 Year Share Certificate
0.05%$500-6 Month Share Certificate

Pinal County Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.80%$1k-5 Year IRA Certificate
0.60%$1k-4 Year IRA Certificate
0.30%$1k-3 Year IRA Certificate
0.20%$1k-2 Year IRA Certificate
0.10%$1k-1 Year IRA Certificate
0.05%$500-6 Month IRA Certificate
Locations


Pinal County Credit Union Locations
Branch Office290 S Phelps DrApache Junction, AZ 85120
Branch Office44600 W Smith Enke Rd Ste,105Maricopa, AZ 85139
Branch Office200 W 20th StFlorence, AZ 85132
Branch Office1491 N Arizona Blvd Suite # 101Coolidge, AZ 85128
Branch Office1000 E Florence BlvdCasa Grande, AZ 85122
Branch Office3125 W Hunt Hwy Ste 105Queen Creek, AZ 85142