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America's Best Community Credit Union

Based on 1 review
America's Best Community Credit Union
Overview / Commentary
541-567-0161
P.O. Box 1226
Hermiston, OR 97838

America's Best Community Credit Union is headquartered in Hermiston and is the 60th largest credit union in the state of Oregon. It is also the 5,327th largest credit union in the nation. It was established in 1973 and as of December of 2013, it had grown to 3 employees and 1,949 members. America's Best Community Credit Union has a C+ health rating.

Reviews (1)

The Loan Rates Are Not Worth The Poor Customer Service.

The people who work here are very rude! You have to wait in the drive thru until someone feels like helping you. Information is not accurately given and when a mistake comes to their attention it is the customer's fault. They do not offer online banking or even a number where you can call and check a balance in order to check that you must go in person, the atm, or call the credit union. I would have to say the only good thing they offer are the loan rates.



Health

Data for Q4 2013

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. America's Best Community Credit Union has a very low asset base.

Texas Ratio

GRADE:
A+

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 America's Best Community Credit Union had $45,000 in non-current loans and owned real-estate with $591,000 in equity and loan loss allowances on hand to cover it. This gives America's Best Community Credit Union a Texas Ratio of 7.61% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for America's Best Community Credit Union increased slightly from 0.17% as of December 31, 2012 to 7.61% as of December 31, 2013, resulting in a negative change of 4,483.76%. This indicates that the balance sheet and financial strength for America's Best Community Credit Union has declined slightly in recent periods.

Deposit Growth

GRADE:
F

In the past year, America's Best Community Credit Union has decreased its total deposits by $-577,000, resulting in -12.16% 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 America's Best Community Credit Union has shown is poor.

Capitalization

GRADE:
A+

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. America's Best Community Credit Union has $4.72 million in assets with $591,000 in equity, resulting in a capitalization level of 12.53%, which is excellent.

Institution Statistics

Overall
NCUA #21387
Year Chartered1973
Employees3
Primary Regulator
Assets and Liabilities
Assets$4.72 million
Loans$2.43 million
Deposits$4.17 million
Equity Capital$541,000
Loan Loss Allowance$50,000
Unbacked Noncurrent Loans$45,000
Real Estate Owned$0
Historic Data - December 2012
Assets$5.31 million
Equity Capital$552,000
Loan Loss Allowance$50,000
Unbacked Noncurrent Loans$45,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.39%
Return on Assets-0.23%
Return on Equity-2.03%
Interest Income$172,000
Rates

Sorry, we do not have rate data for America's Best Community Credit Union

Locations


America's Best Community Credit Union Locations
Branch Office175 E Cornell PlHermiston, OR 97838-1164