2024 Overview
General Credit Union Information
Zia is an NCUA insured institution located in Los Alamos, NM. It was founded in 1955 and has approximately $222.41 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60467 |
| Date Established | 1955 |
| Assets | $222.41 million |
| Loans | $162.16 million |
| Deposits | $207.44 million |
| Capital | $17.91 million |
Field of Membership Restrictions
Membership is open to those who live, worship or work in Los Alamos, Rio Arriba, Taos, and Santa Fe Counties in New Mexico.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Free Kasasa Cash Checking | 5.00% | $0 | $0.00 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Zia
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.734% | 6.625% | 0.88 | $3,600 | $2,049 | Learn More |
NMLS ID: 447490 |
6.817% | 6.750% | 0.63 | $2,189 | $2,076 | Learn More |
NMLS ID: 3029 |
7.008% | 6.875% | 0.88 | $4,492 | $2,103 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Zia
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Branches
Below are Zia branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
ZIA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Zia Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Zia. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Zia | U.S. Average |
|---|---|
| 23.36% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Zia had $4,031,141 in non-current loans and $294,774 in owned assets. To cover these potential losses it had $17,905,629 in net worth and $615,887 in loans loss reserves. That gives it a Texas Ratio of 23.36%.
Net Worth
| Zia | U.S. Average |
|---|---|
| 8.05% | 13.62% |
Zia FCU has a net worth of 8.05% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Zia
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