Alba-Golden Credit Union

Alba-Golden Credit Union is headquartered in Alba and is the 374^th largest credit union in the state of Texas. It is also the 4,900^th largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 3 employees and 1,135 members. Alba-Golden Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics ALBA-GOLDEN NCUA # 13655 BankRate Report View Year Chartered 1960 Employees 3 Primary Regulator Assets and Liabilities Assets $8.16 million Loans $5.35 million Deposits $7.13 million Equity Capital $983,000 Loan Loss Allowance $182,000 Unbacked Noncurrent Loans $67,000 Historic Data - December 2010 Assets $7.95 million Equity Capital $875,000 Loan Loss Allowance $160,000 Unbacked Noncurrent Loans $183,000 Profit Margin - Quarterly Net Interest Margin 6.59% Return on Assets 1.31% Return on Equity 10.89% Interest Income $442,000 Non-Interest Income $44,000

Institution Health Overall Score: 5 out of 5 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, 2011 Alba-Golden Credit Union had $67,000 in non-current loans and owned real-estate with $1.16 million in equity and loan loss allowances on hand to cover it. This gives Alba-Golden Credit Union a Texas Ratio of 5.75% 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 significantly from 17.68% as of December 31, 2010 to 5.75% as of December 31, 2011, resulting in a positive change of 67.47%.This indicates that the balance sheet and financial strength for Alba-Golden Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Alba-Golden Credit Union has increased its total deposits by $126,000, resulting in 1.8% 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 above average. Capitalization 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 $8.16 million in assets with $1.16 million in equity, resulting in a capitalization level of 14.27%, which is excellent.