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Overview / Commentary
6201 South Fwy
Fort Worth, TX 76134

Alcon Employees Credit Union is headquartered in Fort Worth and is the 217st largest credit union in the state of Texas. It is also the 2,798th largest credit union in the nation. It was established in 1972 and as of March of 2014, it had grown to 5 employees and 3,715 members. Alcon Employees Credit Union has a B health rating.

Field of Membership Restrictions

You are eligible for membership if you work for Alcon Holdings Corp., Novartis or if you are an immediate family member of these employees. - See Details

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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. Alcon Employees 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 Alcon Employees Credit Union had $60,000 in non-current loans and owned real-estate with $5.45 million in equity and loan loss allowances on hand to cover it. This gives Alcon Employees Credit Union a Texas Ratio of 1.10% 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 Alcon Employees Credit Union experienced no significant changes from 0.71% as of March 31, 2013 to 1.10% as of March 31, 2014, resulting in a negative change of 55.95%. This indicates that the balance sheet and financial strength for Alcon Employees Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Alcon Employees Credit Union has decreased its total deposits by -$2.27 million, resulting in -7.34% 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 Alcon Employees Credit Union has shown is below average.



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. Alcon Employees Credit Union has $34.05 million in assets with $5.45 million in equity, resulting in a capitalization level of 16.00%, which is excellent.

Institution Statistics

NCUA #20990
Year Chartered1972
Primary Regulator
Assets and Liabilities
Assets$34.05 million
Loans$9.56 million
Deposits$28.68 million
Equity Capital$5.36 million
Loan Loss Allowance$89,000
Unbacked Noncurrent Loans$60,000
Real Estate Owned$0
Historic Data - March 2013
Assets$36.26 million
Equity Capital$5.28 million
Loan Loss Allowance$105,000
Unbacked Noncurrent Loans$60,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.29%
Return on Equity1.87%
Interest Income$166,000
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Alcon Employees Credit Union Savings Account Rates


Alcon Employees Credit Union Checking Account Rates

0.10%--Share Draft Checking

Alcon Employees Credit Union Locations
Branch Office6201 South FwyFort Worth, TX 76134