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Overview / Commentary
140 Broadway St
Alba, TX 75410

Alba-Golden Credit Union is headquartered in Alba and is the 330th largest credit union in the state of Texas. It is also the 4,267th largest credit union in the nation. It was established in 1960 and as of March of 2014, it had grown to 3 employees and 1,292 members. Alba-Golden Credit Union's savings rates are 15% higher than the national average, and it 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 Q1 2014

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 capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Alba-Golden Credit Union had $0 in non-current loans and owned real-estate with $1.54 million in equity and loan loss allowances on hand to cover it. This gives Alba-Golden Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Alba-Golden Credit Union has increased its total deposits by $1.54 million, resulting in 17.46% 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 $11.95 million in assets with $1.54 million in equity, resulting in a capitalization level of 12.87%, which is excellent.

Institution Statistics

NCUA #13655
Year Chartered1960
Primary Regulator
Assets and Liabilities
Assets$11.95 million
Loans$6.53 million
Deposits$10.33 million
Equity Capital$1.43 million
Loan Loss Allowance$111,000
Real Estate Owned$0
Historic Data - March 2013
Assets$10.09 million
Equity Capital$1.23 million
Loan Loss Allowance$138,000
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets2.01%
Return on Equity16.82%
Interest Income$134,000
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Alba-Golden Credit Union Savings Account Rates

0.60%--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