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Overview / Commentary
112 Williams Lane
Kearny, AZ 85137-1089

Ray Federal Credit Union is headquartered in Kearny and is the 36th largest credit union in the state of Arizona. It is also the 4,320th largest credit union in the nation. It was established in 1955 and as of December of 2016, it had grown to 9 employees and 2,287 members at 2 locations. Ray Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

All the employees, past and present of the Copper Mine, ASARCO Ray mines division, and more recently the employees of any Business situated within 30 miles of the Credit Union, who have signed up for services.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Ray Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #9951
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD-0.83%
Return on Equity - YTD-7.5%
Annual Interest Income$594.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$9.1MM$9.3MM
LoansQ4 2016vs Q4 2015$7.1MM$7.1MM
DepositsQ4 2016vs Q4 2015$8.0MM$8.1MM
Equity CapitalQ4 2016vs Q4 2015$1.0MM$1.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$152.00K$117.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$181.00K$406.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0

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Ray Federal Credit Union Locations
Branch Office112 Williams LaneKearny, AZ 85137-1089
Branch Office161 W Main StSuperior, AZ 85173-2657