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P.O. Box 12100
Tucson, AZ 85732

Pyramid Credit Union is headquartered in Tucson and is the 21st largest credit union in the state of Arizona. It is also the 1,235th largest credit union in the nation. It was established in 1929 and as of December of 2013, it had grown to 50 employees and 15,736 members. Pyramid Credit Union has a A health rating.

Field of Membership Restrictions

Pyramid is able to serve more people then ever. Anyone who lives, works, worships or attends school in Pima County is eligible to join. - See Details

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Data for Q4 2013

Institution Health


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, 2013 Pyramid Credit Union had $1.06 million in non-current loans and owned real-estate with $13.83 million in equity and loan loss allowances on hand to cover it. This gives Pyramid Credit Union a Texas Ratio of 7.63% 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 Pyramid Credit Union decreased dramatically from 16.10% as of December 31, 2012 to 7.63% as of December 31, 2013, resulting in a positive change of 52.60%.This indicates that the balance sheet and financial strength for Pyramid Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Pyramid Credit Union has increased its total deposits by $14.97 million, resulting in 14.85% 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 Pyramid Credit Union has shown is excellent.



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. Pyramid Credit Union has $131.3 million in assets with $11.83 million in equity, resulting in a capitalization level of 9.01%, which is average.

Institution Statistics

NCUA #24826
Year Chartered1929
Primary Regulator
Assets and Liabilities
Assets$131.30 million
Loans$75.41 million
Deposits$115.76 million
Equity Capital$11.10 million
Secondary Capital$2.00 million
Loan Loss Allowance$723,000
Unbacked Noncurrent Loans$867,000
Real Estate Owned$188,000
Historic Data - December 2012
Assets$116.23 million
Equity Capital$10.71 million
Loan Loss Allowance$916,000
Unbacked Noncurrent Loans$867,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.82%
Return on Assets0.27%
Return on Equity3.25%
Interest Income$4.98 million
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Pyramid Credit Union Savings Account Rates

0.35%$20k-Roth IRA
0.35%$20k-Education IRA
0.05%--Member Shares
0.05%--Smart Money

Pyramid Credit Union Money Market Rates

0.20%$175k-Money Market Account

Pyramid Credit Union CD Rates

1.15%--5 Year CD
0.85%--4 Year CD
0.70%--3 Year CD
0.50%--2 Year CD
0.27%--1 Year CD
0.18%--6 Month CD

Pyramid Credit Union IRA Rates

1.15%--5 Year IRA CD
0.85%--4 Year IRA CD
0.70%--3 Year IRA CD
0.50%--2 Year IRA CD
0.27%--1 Year IRA CD
0.18%--6 Month IRA CD

Pyramid Credit Union Locations
Branch Office7740 E Speedway BlvdTucson, AZ 85710
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