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

Ray Federal Credit Union is headquartered in Kearny and is the 35th largest credit union in the state of Arizona. It is also the 4,208th largest credit union in the nation. It was established in 1955 and as of March of 2017, it had grown to 9 employees and 2,272 members at 2 locations. Ray Federal Credit Union has a B 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 low asset base.

Health Grade Components

NCUA #9951
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD9.99%
Annual Interest Income$133.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$10.2MM$9.4MM
LoansQ1 2017vs Q1 2016$6.8MM$7.0MM
DepositsQ1 2017vs Q1 2016$8.9MM$8.2MM
Equity CapitalQ1 2017vs Q1 2016$1.0MM$1.1MM
Loan Loss AllowanceQ1 2017vs Q1 2016$131.00K$152.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$176.00K$240.00K
Real Estate OwnedQ1 2017vs Q1 2016$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