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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 4,137th largest credit union in the nation. It was established in 1955 and as of December of 2017, it had grown to 11 employees and 2,287 members at 2 locations. Ray Federal Credit Union's CD rates are 11% higher than the national average, but it 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.
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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, and a negative return on assets.

Health Grade Components

NCUA #9951
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD-2.25%
Return on Equity - YTD-28.23%
Annual Interest Income$566.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$9.9MM$9.1MM
LoansQ4 2017vs Q4 2016$7.0MM$7.1MM
DepositsQ4 2017vs Q4 2016$8.8MM$8.0MM
Equity CapitalQ4 2017vs Q4 2016$790.00K$1.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$442.00K$152.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$453.00K$181.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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Ray Federal Credit Union Savings Account Rates

0.50%--Christmas Club
0.25%*$50k*-Share (Savings)
OTHER TIERS: 0.10% $300 - $25k | 0.15% $25k - $50k

Ray Federal Credit Union CD Rates

1.15%$500-60 Month CD
1.10%$500-48 Month CD
1.05%$500-36 Month CD
1.00%$500-24 Month CD
1.00%$1k-3 Month CD Special
1.00%$1k-12 Month CD Special
0.40%$500-12 Month CD
0.30%$500-6 Month CD
0.25%$500-3 Month CD

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