America's Credit Union is headquartered in JBLM and is the 21st largest credit union in the state of Washington. It is also the 507th largest credit union in the nation. It was established in 1954 and as of December of 2013, it had grown to 113 employees and 37,915 members. America's Credit Union 's savings rates are 3X the national average, and it has a A health rating.
Typically, membership in ACU includes all members of the Armed Forces (active, retired, and reservists), civilian personnel, and relatives of these members, as well as select employer groups. If you do not fall within these categories, you can join the Association of the United States Army (AUSA) in order to become a member of ACU. When completing your online application select the first bulleted item to indicate you are eligible as a member of AUSA. - See Details
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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 Credit Union had $2.32 million in non-current loans and owned real-estate with $45.48 million in equity and loan loss allowances on hand to cover it. This gives America's Credit Union a Texas Ratio of 5.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for America's Credit Union decreased slightly from 6.47% as of December 31, 2012 to 5.09% as of December 31, 2013, resulting in a positive change of 21.37%.This indicates that the balance sheet and financial strength for America's Credit Union has improved slightly in recent periods.
In the past year, America's Credit Union has increased its total deposits by $10.26 million, resulting in 2.91% 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 Credit Union has shown is above 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. America's Credit Union has $421.81 million in assets with $45.48 million in equity, resulting in a capitalization level of 10.78%, which is above average.
|Assets and Liabilities|
|Equity Capital||$42.07 million|
|Loan Loss Allowance||$3.41 million|
|Unbacked Noncurrent Loans||$1.84 million|
|Real Estate Owned||$477,000|
|Historic Data - December 2012|
|Equity Capital||$37.14 million|
|Loan Loss Allowance||$4.03 million|
|Unbacked Noncurrent Loans||$1.84 million|
|Real Estate Owned||$757,000|
|Profit Margin - Quarterly|
|Net Interest Margin||5.75%|
|Return on Assets||1.06%|
|Return on Equity||10.62%|
|Interest Income||$18.27 million|
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|0.35%||$500||-||Super Bump Flex Certificate|
|0.30%||$50||-||Roth IRA Savings|
|0.20%||-||-||Tree Fort Club|
|0.75%||$100k||-||Ultimate Money Market|
|0.65%||$50k||-||Supreme Money Market|
|0.40%||$50k||-||Guaranteed Money Market MEGA|
|0.30%||$25k||-||Guaranteed Money Market ULTRA|
|0.25%||$5k||-||Guaranteed Money Market PLUS|
|0.25%||$25k||-||Premium Money Market|
|0.15%||$2,500||-||Preferred Market Checking|
|0.20%||$2,500||-||Golden 55 Checking|
|1.55%||$10k||-||60 Month Term Promotional Standard Share Certificate|
|1.25%||$10k||-||36 Month Term Promotional Standard Share Certificate|
|1.00%||$25k||-||36 Month Flex Promotional Standard Share Certificate|
|1.00%||$500||-||5 Month Term Loyalty Certificate|
|0.75%||$100||-||6 Month Term Veterans Family Fund Certificate|
|0.75%||$25k||-||21-30 Month Term Promotional Standard Share Certificate|
|0.65%||$25k||-||17-20 Month Term Promotional Standard Share Certificate|
|0.60%||$25k||$100k||48 Month Flex Certificate Account|
|0.60%||$25k||$100k||48 Month Standard Certificate Account|
|0.55%||$25k||$100k||24-47 Month Standard Certificate Account|
|0.50%||$25k||-||13-16 Month Term Promotional Standard Share Certificate|
|0.45%||$25k||$100k||24-47 Month Flex Certificate Account|
|0.45%||$25k||$100k||12-23 Month Standard Certificate Account|
|0.30%||$25k||$100k||12-23 Month Flex Certificate Account|
|0.30%||$500||$100k||3-11 Month Standard Certificate Account|
|0.20%||$25k||$100k||3-11 Month Flex Certificate Account|
|1.00%||$10k||-||36 Month IRA Certficate|
|0.60%||$25k||$100k||48 Month IRA Certificate Account (Traditional,Roth,CESA)|
|0.55%||$25k||$100k||24-47 Month IRA Certificate Account (Traditional,Roth,CESA)|
|0.45%||$500||$100k||12-23 Month IRA Certificate Account (Traditional,Roth,CESA)|