Zia Credit Union

P.O. Box 490
Los Alamos, NM 87544
(505) 662-4671
www.ziacu.org

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Zia Credit Union is headquartered in LOS ALAMOS and is the 12^st largest credit union in the state of New Mexico. It is also the 1,166^th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 48 employees and 13,098 members. Zia Credit Union has a 4-star health rating.

Zia Credit Union Routing Number: 307084240

High-Yield Reward Checking Account at Zia Credit Union in Parts of New Mexico - 10/28/2010

Zia Credit Union is offering a high-yield reward checking account called Perfect Sense Checking . Like many of the new rewards checking accounts, this one also has a balance cap that's a little low. I ...

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See Rates for: Checking | Savings | CD | IRA

Zia Credit Union Checking Account Rates

Apy	Min	Max	Product
2.48%	-	$15k	Perfect Sense Checking
0.35%	$40k	-	Common Sense Checking
0.05%	-	-	Perfect Tunes Checking

Zia Credit Union Savings Account Rates

Apy	Min	Max	Product
0.35%	$40k	-	Share Account
0.35%	-	-	IRA Savings
0.35%	-	-	Roth IRA Savings
0.35%	-	-	CESA Savings

Zia Credit Union CD Rates

Apy	Min	Max	Product
1.06%	$95k	-	36 Month Jumbo CD
0.95%	$95k	-	30 Month Jumbo CD
0.85%	$95k	-	24 Month Jumbo CD
0.85%	$1k	$10k	36 Month CD
0.75%	$95k	-	18 Month Jumbo CD
0.75%	$1k	$10k	30 Month CD
0.65%	$1k	$10k	24 Month CD
0.55%	$1k	$10k	18 Month CD
0.35%	$95k	-	12 Month Jumbo CD
0.30%	$95k	-	180 Day Jumbo CD
0.20%	$95k	-	90 Day Jumbo CD
0.15%	$1k	$10k	12 Month CD
0.10%	$1k	$10k	90 Day CD
0.10%	$1k	$10k	180 Day CD

Zia Credit Union IRA Rates

Apy	Min	Max	Product
1.06%	$95k	-	36 Month Jumbo IRA
1.06%	$95k	-	36 Month Jumbo Roth IRA
1.06%	$95k	-	36 Month Jumbo CESA
0.95%	$95k	-	30 Month Jumbo IRA
0.95%	$95k	-	30 Month Jumbo Roth IRA
0.95%	$95k	-	30 Month Jumbo CESA
0.85%	$1k	$10k	36 Month IRA
0.85%	$95k	-	24 Month Jumbo IRA
0.85%	$95k	-	24 Month Jumbo Roth IRA
0.85%	$1k	$10k	36 Month Roth IRA
0.85%	$95k	-	24 Month Jumbo CESA
0.85%	$1k	$10k	36 Month CESA
0.75%	$1k	$10k	30 Month IRA
0.75%	$95k	-	18 Month Jumbo IRA
0.75%	$95k	-	18 Month Jumbo Roth IRA
0.75%	$1k	$10k	30 Month Roth IRA
0.75%	$95k	-	18 Month Jumbo CESA
0.75%	$1k	$10k	30 Month CESA
0.65%	$1k	$10k	24 Month IRA
0.65%	$1k	$10k	24 Month Roth IRA
0.65%	$1k	$10k	24 Month CESA
0.55%	$1k	$10k	18 Month IRA
0.55%	$1k	$10k	18 Month Roth IRA
0.55%	$1k	$10k	18 Month CESA
0.35%	$95k	-	12 Month Jumbo IRA
0.35%	$95k	-	12 Month Jumbo Roth IRA
0.35%	$95k	-	12 Month Jumbo CESA
0.30%	$95k	-	180 Day Jumbo IRA
0.30%	$95k	-	180 Day Jumbo Roth IRA
0.30%	$95k	-	180 Day Jumbo CESA
0.20%	$95k	-	90 Day Jumbo IRA
0.20%	$95k	-	90 Day Jumbo Roth IRA
0.20%	$95k	-	90 Day Jumbo CESA
0.15%	$1k	$10k	12 Month IRA
0.15%	$1k	$10k	12 Month Roth IRA
0.15%	$1k	$10k	12 Month CESA
0.10%	$1k	$10k	90 Day IRA
0.10%	$1k	$10k	180 Day IRA
0.10%	$1k	$10k	90 Day Roth IRA
0.10%	$1k	$10k	180 Day Roth IRA
0.10%	$1k	$10k	90 Day CESA
0.10%	$1k	$10k	180 Day CESA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

ZIA
NCUA #	60467
BankRate Report	View
Year Chartered	1955
Employees	48
Primary Regulator
Assets and Liabilities
Assets	$133.13 million
Loans	$97.42 million
Deposits	$120.99 million
Equity Capital	$11.22 million
Loan Loss Allowance	$1.46 million
Unbacked Noncurrent Loans	$1.59 million
Real Estate Owned	$804,000
Historic Data - December 2010
Assets	$130.01 million
Equity Capital	$10.91 million
Loan Loss Allowance	$1.08 million
Unbacked Noncurrent Loans	$1.83 million
Real Estate Owned	$1.63 million
Profit Margin - Quarterly
Net Interest Margin	6.52%
Return on Assets	0.31%
Return on Equity	3.64%
Interest Income	$7.44 million
Non-Interest Income	$1.33 million

Institution Health

Overall Score:

4 out of 5

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, 2011 Zia Credit Union had $2.39 million in non-current loans and owned real-estate with $12.68 million in equity and loan loss allowances on hand to cover it. This gives Zia Credit Union a Texas Ratio of 18.85% 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 Zia Credit Union decreased slightly from 28.82% as of December 31, 2010 to 18.85% as of December 31, 2011, resulting in a positive change of 34.57%.This indicates that the balance sheet and financial strength for Zia Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Zia Credit Union has increased its total deposits by $2.67 million, resulting in 2.26% 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 Zia Credit Union has shown is above average.
Capitalization
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. Zia Credit Union has $133.13 million in assets with $12.68 million in equity, resulting in a capitalization level of 9.53%, which is average.

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Zia Credit Union

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