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P.O. Box 360
Alba, TX 75410

Alba-Golden Credit Union is headquartered in Alba and is the 339th largest credit union in the state of Texas. It is also the 4,335th largest credit union in the nation. It was established in 1960 and as of December of 2013, it had grown to 3 employees and 1,250 members. Alba-Golden Credit Union has a B+ health rating.

Field of Membership Restrictions

To Become a Member you Must: Live, Work or Worship in Alba, Emory, Golden, Mineola or Quitman or be a relative to an existing member. - See Details

Reviews (1)

Great Hometown Banking

the personnel are very friendly and down to earth, they go above and beyond to help you.....I would reccomend this credit union to everyone.


kim wolfe


Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Alba-Golden Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Alba-Golden Credit Union had $72,000 in non-current loans and owned real-estate with $1.48 million in equity and loan loss allowances on hand to cover it. This gives Alba-Golden Credit Union a Texas Ratio of 4.87% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Alba-Golden Credit Union decreased slightly from 5.99% as of December 31, 2012 to 4.87% as of December 31, 2013, resulting in a positive change of 18.73%.This indicates that the balance sheet and financial strength for Alba-Golden Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Alba-Golden Credit Union has increased its total deposits by $1.02 million, resulting in 11.71% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Alba-Golden Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Alba-Golden Credit Union has $11.16 million in assets with $1.48 million in equity, resulting in a capitalization level of 13.24%, which is excellent.

Institution Statistics

NCUA #13655
Year Chartered1960
Primary Regulator
Assets and Liabilities
Assets$11.16 million
Loans$6.16 million
Deposits$9.75 million
Equity Capital$1.37 million
Loan Loss Allowance$111,000
Unbacked Noncurrent Loans$72,000
Real Estate Owned$0
Historic Data - December 2012
Assets$10.01 million
Equity Capital$1.18 million
Loan Loss Allowance$142,000
Unbacked Noncurrent Loans$72,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.87%
Return on Assets1.7%
Return on Equity13.9%
Interest Income$506,000
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Alba-Golden Credit Union Savings Account Rates

0.50%--Share Account

Alba-Golden Credit Union CD Rates

1.00%$5k-2 Year Share Certificate
0.80%$5k-1 Year Share Certificate

Alba-Golden Credit Union Locations
Branch Office140 Broadway StAlba, TX 75410