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P.O. Box 305
Tombstone, AZ 85638

Tombstone Credit Union is headquartered in TOMBSTONE and is the 37th largest credit union in the state of Arizona. It is also the 4,723rd largest credit union in the nation. It was established in 1956 and as of December of 2013, it had grown to 5 employees and 1,956 members. Tombstone Credit Union has a F health rating.

Field of Membership Restrictions

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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. Tombstone 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 Tombstone Credit Union had $443,000 in non-current loans and owned real-estate with $312,000 in equity and loan loss allowances on hand to cover it. This gives Tombstone Credit Union a Texas Ratio of 141.99% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Tombstone Credit Union increased slightly from 57.14% as of December 31, 2012 to 141.99% as of December 31, 2013, resulting in a negative change of 148.48%. This indicates that the balance sheet and financial strength for Tombstone Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, Tombstone Credit Union has decreased its total deposits by -$2.11 million, resulting in -21.98% 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 Tombstone Credit Union has shown is poor.



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. Tombstone Credit Union has $8.26 million in assets with $312,000 in equity, resulting in a capitalization level of 3.78%, which is poor.

Institution Statistics

NCUA #11075
Year Chartered1956
Primary Regulator
Assets and Liabilities
Assets$8.26 million
Loans$7.00 million
Deposits$7.48 million
Equity Capital$200,000
Loan Loss Allowance$112,000
Unbacked Noncurrent Loans$443,000
Real Estate Owned$0
Historic Data - December 2012
Assets$9.93 million
Equity Capital$324,000
Loan Loss Allowance$96,000
Unbacked Noncurrent Loans$443,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.96%
Return on Assets-1.49%
Return on Equity-61.5%
Interest Income$454,000

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Tombstone Credit Union Savings Account Rates

0.00%--Regular Savings Account
0.00%$25-IRA Savings Account

Tombstone Credit Union Money Market Rates

0.15%$100k-Money Market Account

Tombstone Credit Union Checking Account Rates

0.00%--Checking Account

Tombstone Credit Union CD Rates

0.50%$10k-12 Month CD
0.35%$10k-6 Month CD
0.00%$1k-18 Month CD
0.00%$1k-24 Month CD
0.00%$1k-36 Month CD
0.00%$1k-60 Month CD

Tombstone Credit Union IRA Rates

0.50%$10k-12 Month IRA
0.35%$10k-6 Month IRA
0.00%$1k-18 Month IRA
0.00%$1k-24 Month IRA
0.00%$1k-36 Month IRA
0.00%$1k-60 Month IRA

Tombstone Credit Union Locations
Branch Office218 S Sumner StTombstone, AZ 85638