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Overview / Commentary
78 West Ray Rd Ste 1
Chandler, AZ 85225

San Tan Credit Union is headquartered in Chandler and is the 36th largest credit union in the state of Arizona. It is also the 4,537th largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 3 employees and 1,485 members. San Tan Credit Union has a C+ health rating.

Field of Membership Restrictions

Must live or work within the boundaries of Chandler, Gilbert, Queen Creek, Highley or Kyrene School District or in one of the several select zip codes. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. San Tan Credit Union has a very low asset base.

Texas Ratio


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 San Tan Credit Union had $19,000 in non-current loans and owned real-estate with $701,000 in equity and loan loss allowances on hand to cover it. This gives San Tan Credit Union a Texas Ratio of 2.71% 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 San Tan Credit Union decreased slightly from 3.26% as of March 31, 2013 to 2.71% as of March 31, 2014, resulting in a positive change of 16.92%.This indicates that the balance sheet and financial strength for San Tan Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, San Tan Credit Union has decreased its total deposits by $-606,000, resulting in -6.54% 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 San Tan Credit Union has shown is below average.



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. San Tan Credit Union has $9.51 million in assets with $701,000 in equity, resulting in a capitalization level of 7.37%, which is below average.

Institution Statistics

NCUA #60651
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$9.51 million
Loans$4.27 million
Deposits$8.66 million
Equity Capital$677,000
Loan Loss Allowance$24,000
Unbacked Noncurrent Loans$19,000
Real Estate Owned$0
Historic Data - March 2013
Assets$10.24 million
Equity Capital$778,000
Loan Loss Allowance$19,000
Unbacked Noncurrent Loans$19,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.88%
Return on Equity-12.41%
Interest Income$56,000
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San Tan Credit Union Savings Account Rates

0.01%$250$100Master Shares Account
0.01%$2,500$2,500Smart Money Account
0.01%--Club (Sub) Account
0.01%$1k-IRA Shares Account

San Tan Credit Union CD Rates

0.01%$1k-1 Year CD

San Tan Credit Union Locations
Branch Office78 W Ray Rd Ste 1Chandler, AZ 85225-1913