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Overview / Commentary
2926 W Encanto Blvd
Phoenix, AZ 85009

Shamrock Foods Credit Union is headquartered in Phoenix and is the 43rd largest credit union in the state of Arizona. It is also the 5,475th largest credit union in the nation. It was established in 1954 and as of December of 2013, it had grown to 4 employees and 1,423 members. Shamrock Foods Credit Union has a C+ health rating.

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Data for Q4 2013

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. Shamrock Foods Credit Union has a very low asset base.

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 Shamrock Foods Credit Union had $2,000 in non-current loans and owned real-estate with $435,000 in equity and loan loss allowances on hand to cover it. This gives Shamrock Foods Credit Union a Texas Ratio of 0.46% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Shamrock Foods Credit Union has increased its total deposits by $19,000, resulting in 0.52% 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 Shamrock Foods Credit Union has shown is above 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. Shamrock Foods Credit Union has $4.1 million in assets with $435,000 in equity, resulting in a capitalization level of 10.62%, which is above average.

Institution Statistics

NCUA #9111
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$4.10 million
Loans$3.59 million
Deposits$3.65 million
Equity Capital$413,000
Loan Loss Allowance$22,000
Unbacked Noncurrent Loans$2,000
Real Estate Owned$0
Historic Data - December 2012
Assets$4.07 million
Equity Capital$393,000
Loan Loss Allowance$22,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.4%
Return on Assets0.46%
Return on Equity4.6%
Interest Income$233,000

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Shamrock Foods Credit Union Locations
Branch Office2926 W Encanto BlvdPhoenix, AZ 85009