Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
79 E Roanoke Ave
Phoenix, AZ 85004

U-Haul Credit Union is headquartered in PHOENIX and is the 41st largest credit union in the state of Arizona. It is also the 5,237th largest credit union in the nation. It was established in 1963 and as of December of 2013, it had grown to 4 employees and 3,467 members. U-Haul Credit Union has a C health rating.

No reviews have been left for this bank yet. Be the first to review.


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. U-Haul 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 U-Haul Credit Union had $180,000 in non-current loans and owned real-estate with $782,000 in equity and loan loss allowances on hand to cover it. This gives U-Haul Credit Union a Texas Ratio of 23.02% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for U-Haul Credit Union increased slightly from 9.08% as of December 31, 2012 to 23.02% as of December 31, 2013, resulting in a negative change of 153.63%. This indicates that the balance sheet and financial strength for U-Haul Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, U-Haul Credit Union has decreased its total deposits by $-20,000, resulting in -0.45% 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 U-Haul Credit Union has shown is 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. U-Haul Credit Union has $5.15 million in assets with $782,000 in equity, resulting in a capitalization level of 15.20%, which is excellent.

Institution Statistics

NCUA #15847
Year Chartered1963
Primary Regulator
Assets and Liabilities
Assets$5.15 million
Loans$3.84 million
Deposits$4.41 million
Equity Capital$726,000
Loan Loss Allowance$56,000
Unbacked Noncurrent Loans$180,000
Real Estate Owned$0
Historic Data - December 2012
Assets$5.01 million
Equity Capital$567,000
Loan Loss Allowance$17,000
Unbacked Noncurrent Loans$180,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin9.59%
Return on Assets3.09%
Return on Equity21.9%
Interest Income$373,000

Sorry, we do not have rate data for U-Haul Credit Union


U-Haul Credit Union Locations
Branch Office79 E Roanoke AvePhoenix, AZ 85004
Branch Office79 E Roanoke AvePhoenix, AZ 85004