Azura Credit Union is headquartered in Topeka and is the 6th largest credit union in the state of Kansas. It is also the 564th largest credit union in the nation. It was established in 1956 and as of December of 2019, it had grown to 137 employees and 52,980 members at 11 locations. Azura Credit Union's CD rates are 40% higher than the national average, and it boasts an A+ health rating.
Field of Membership Restrictions
Membership in Azura Credit Union is open to those who live, work, or worship in the Kansas counties of Allen, Anderson, Atchison, Bourbon, Brown, Butler, Chase, Clay, Cloud, Coffey, Dickinson, Doniphan, Douglas, Ellsworth, Franklin, Geary, Greenwood, Harvey, Jackson, Jefferson, Jewell, Johnson, Leavenworth, Lincoln, Linn, Lyon, Marion, Marshall, McPherson, Miami, Mitchell, Morris, Nemaha, Osage, Ottawa, Pottawatomie, Republic, Rice, Riley, Saline, Shawnee, Wabaunsee, Washington, Woodson, or Wyandotte. Membership is also open to all employees and students of Kansas educational institutions, as well as the employees of AT&T, Goodyear Tire & Rubber Company, Southwestern Bell Communications, U.S. government agencies (including local, municipal, or state governments). Immediate family members of anyone eligible to join also qualify for membership.
See current membership details
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Changes, but welcomed
I joined the credit union after obtaining a loan for a motorcycle and decided to move my checking and savings accounts to the same institution as the customer service I had received so far had been so far above average. I was not disappointed. The branches are few and somewhat inconvenient to my work/home; however, their low fees (overdraft fees, check costs, etc.), the interest bearing checking, and the reimbursement of ATM fees made the inconvenient locations a non-issue. It took them awhile to get on board with a decent mobile app that offered mobile deposits, but they did finally offer that option, making the app a breeze to use. The credit union has changed hands a number of times since I first joined, but the employees remain and their steadfast customer service focus makes the changes completely bearable.
Disappointed
I have been with Azura for over 20 years and I loved them before they merged. After the merger it no longer had a local credit union feel. Terrible Customer Service from a call center when I used to be able to just call my branch and speak to whoever answered. In 2016, customer service wouldn't let me opt out of they overdraft protection saying even if my debit card is declined there would still be a fee. 2 years later I find out thats not true, they could have declined my $1 transactions that cost me $24 x 6 in one day.
I used to avoid banks thinking they were for rich people and would charge me a ton of fees. Maybe 20 years ago that was the case but I now have an account with one of those big banks that actually pay me for using my debit card and limit overdrafts to just one fee a day.
Data as of Q4 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 61823 |
| Year Chartered | 1956 |
| Employees | 137 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.7% |
| Return on Equity - YTD | 6.2% |
| Annual Interest Income | $20.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2019vs Q4 2018 | $527.2MM$481.8MM |
| Loans | Q4 2019vs Q4 2018 | $368.3MM$353.6MM |
| Deposits | Q4 2019vs Q4 2018 | $462.3MM$412.1MM |
| Equity Capital | Q4 2019vs Q4 2018 | $59.2MM$54.6MM |
| Loan Loss Allowance | Q4 2019vs Q4 2018 | $2.4MM$3.0MM |
| Unbacked Noncurrent Loans | Q4 2019vs Q4 2018 | $1.6MM$2.7MM |
| Real Estate Owned | Q4 2019vs Q4 2018 | $0$21.00K |
