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Tucson Old Pueblo Credit Union

Tucson Old Pueblo Credit Union
Overview / Commentary
520-881-6262
2500 E 22nd St
Tucson, AZ 85713

Tucson Old Pueblo Credit Union is headquartered in Tucson and is the 19st largest credit union in the state of Arizona. It is also the 1,214st largest credit union in the nation. It was established in 1935 and as of December of 2013, it had grown to 54 employees and 11,703 members. Tucson Old Pueblo Credit Union has a B+ health rating.

Field of Membership Restrictions

Joining Tucson Old Pueblo Credit Union is easy! If you live, work, worship, or attend school in the following zip codes, you are eligible for membership: 85701 through 85750, 85614, 85621, 85628, 85641 and 85648, Oro Valley, Sahuarita, and South Tucson. Even though you must be within these zip codes to begin using our services, you don’t lose the benefits if you move or change employment. - See Details

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A+

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 Tucson Old Pueblo Credit Union had $669,000 in non-current loans and owned real-estate with $10.26 million in equity and loan loss allowances on hand to cover it. This gives Tucson Old Pueblo Credit Union a Texas Ratio of 6.52% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Tucson Old Pueblo Credit Union decreased slightly from 7.89% as of December 31, 2012 to 6.52% as of December 31, 2013, resulting in a positive change of 17.40%.This indicates that the balance sheet and financial strength for Tucson Old Pueblo Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Tucson Old Pueblo Credit Union has decreased its total deposits by $-18,000, resulting in -0.01% 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 Tucson Old Pueblo Credit Union has shown is average.

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. Tucson Old Pueblo Credit Union has $134.18 million in assets with $10.26 million in equity, resulting in a capitalization level of 7.65%, which is below average.

Institution Statistics

Overall
NCUA #66116
Year Chartered1935
Employees54
Primary Regulator
Assets and Liabilities
Assets$134.18 million
Loans$62.29 million
Deposits$123.60 million
Equity Capital$8.88 million
Loan Loss Allowance$1.39 million
Unbacked Noncurrent Loans$608,000
Real Estate Owned$61,000
Historic Data - December 2012
Assets$133.29 million
Equity Capital$8.90 million
Loan Loss Allowance$1.88 million
Unbacked Noncurrent Loans$608,000
Real Estate Owned$451,000
Profit Margin - Quarterly
Net Interest Margin5.35%
Return on Assets0.13%
Return on Equity1.94%
Interest Income$4.05 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Tucson Old Pueblo Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Tucson Old Pueblo Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$25k-Member IRA Savings
0.15%$25k-Silver IRA Savings
0.15%--Gold IRA Savings
0.15%$25k-Member Roth IRA Savings
0.15%$25k-Silver Roth IRA Savings
0.15%--Gold Roth IRA Savings
0.11%$25-Gold Savings
0.11%--Gold Club Savings
0.11%$25-Gold Youth Savings
0.06%$25-Silver Savings
0.06%--Silver Club Savings
0.06%$25-Silver Youth Savings
0.01%$25-Member Savings
0.01%--Member Club Savings
0.01%$25-Member Youth Savings

Tucson Old Pueblo Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$25k-Member Money Market Savings
0.15%$25k-Silver Money Market Savings
0.15%$2,500-Gold Money Market Savings

Tucson Old Pueblo Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.11%$2,500-Gold Checking
0.06%$2,500-Silver Checking
0.01%$2,500-Member Checking

Tucson Old Pueblo Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.85%$1k-Gold 5 Year CD
0.80%$1k-Member 5 Year CD
0.75%$1k-Silver 5 Year CD
0.69%$1k-Gold 4 Year CD
0.64%$1k-Member 4 Year CD
0.59%$1k-Silver 4 Year CD
0.48%$1k-Gold 3 Year CD
0.43%$1k-Member 3 Year CD
0.38%$1k-Silver 3 Year CD
0.35%$1k-Gold 2 Year CD
0.30%$1k-Silver 2 Year CD
0.25%$1k-Member 2 Year CD
0.25%$1k-Gold 1 Year CD
0.20%$1k-Silver 1 Year CD
0.20%$1k-Gold 6 Month CD
0.15%$1k-Member 1 Year CD
0.15%$1k-Silver 6 Month CD
0.15%$500-1 Year Gold Piggy Bank Thrift Certificate
0.10%$1k-Member 6 Month CD
0.10%$500-1 Year Silver Piggy Bank Thrift Certificate
0.05%$500-1 Year Member Piggy Bank Thrift Certificate

Tucson Old Pueblo Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.85%$1k-Gold 5 Year IRA (Traditional,Roth,CESA)
0.80%$1k-Silver 5 Year IRA (Traditional,Roth,CESA)
0.75%$1k-Member 5 Year IRA (Traditional,Roth,CESA)
0.69%$1k-Gold 4 Year IRA (Traditional,Roth,CESA)
0.64%$1k-Silver 4 Year IRA (Traditional,Roth,CESA)
0.59%$1k-Member 4 Year IRA (Traditional,Roth,CESA)
0.48%$1k-Gold 3 Year IRA (Traditional,Roth,CESA)
0.43%$1k-Member 3 Year IRA (Traditional,Roth,CESA)
0.38%$1k-Silver 3 Year IRA (Traditional,Roth,CESA)
0.35%$1k-Gold 2 Year IRA (Traditional,Roth,CESA)
0.30%$1k-Silver 2 Year IRA (Traditional,Roth,CESA)
0.25%$1k-Gold 1 Year IRA (Traditional,Roth,CESA)
0.25%$1k-Member 2 Year IRA (Traditional,Roth,CESA)
0.20%$1k-Gold 6 Month IRA (Traditional,Roth,CESA)
0.20%$1k-Silver 1 Year IRA (Traditional,Roth,CESA)
0.15%$1k-Silver 6 Month IRA (Traditional,Roth,CESA)
0.15%$1k-Member 1 Year IRA (Traditional,Roth,CESA)
0.10%$1k-Member 6 Month IRA (Traditional,Roth,CESA)
Locations


Tucson Old Pueblo Credit Union Locations
Branch Office2500 E 22nd StTucson, AZ 857132002
Branch Office177 N Church Ave Ste 100Tucson, AZ 85701-1117
Branch Office9725 E Broadway BlvdTucson, AZ 85748-3214