America's Credit Union

12th and Pendleton Building #2201
Fort Lewis, WA 98433
866.YOUR1CU
www.youracu.org
 

Related Blog Posts

3.00% 25-Month CD & 2.50% 13-Month CD with Add-On Feature at America's Credit Union - Easy Membership - 9/9/2009

Update 9/25/09: The specials have changed, and the rates have fallen. There's now only one Super Bump Flex Certificate: 2.50% APY for 25 months. The other ones are now standard share certificates: 2.00% APY for 7 months and 2.15% APY for 13 months.The...

4.00% 7-Month Add-On CD at America's Credit Union in WA - Easy Membership - 12/15/2008

Update 2/14/09: New lower rate Super Bump Flex Certificates have been posted: 2.50% APY 3-monthUpdate 1/24/09: New lower rate Super Bump Flex Certificates have been posted: 3.25% APY 6-month and 2.75% APY 3-monthUpdate 12/15/08: The term of the Super...

5.00% 24-Month / 4.50% 13-Month CD at America's Credit Union - Easy Membership - 10/8/2008

Update 10/25/08: The website was showing the 5% CD again, BUT according to the CSR, this is a mistake. The 5% 24-month CD did end on the 23rd. However, they still have a 4% APY 15-month CD with the same add-on feature.America's Credit Union has two very...


Institution Statistics


NCUA #9373
BankRate ReportView
Year Established1954
Employees92
Primary Regulator

Assets and Liabilities

Assets$359.97 million
Loans$216.73 million
Deposits$326.48 million
Equity Capital$26.98 million
Loan Loss Allowance$4.59 million
Unbacked Noncurrent Loans$3.76 million
Real Estate Owned$497,000

Historic Data - March 2009

Assets$347.59 million
Equity Capital$25.49 million
Loan Loss Allowance$3.99 million
Unbacked Noncurrent Loans$3.27 million

Profit Margin - Quarterly

Net Interest Margin1.35%
Return on Assets1.78%
Return on Equity23.7%
Interest Income$4.53 million
Non-Interest Income$1.87 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio5
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 March 1, 2010 America's Credit Union had $4.25 million in non-current loans and owned real-estate with $31.58 million in equity and loan loss allowances on hand to cover it. This gives America's Credit Union a Texas Ratio of 13.47% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for America's Credit Union increased slightly from 11.10% as of March 1, 2009 to 13.47% as of March 1, 2010, resulting in a negative change of 21.37%. This indicates that the balance sheet and financial strength for America's Credit Union has declined slightly in recent periods.
Deposit Growth4
In the past year, America's Credit Union has increased it's total deposits by $26.2 million, resulting in 8.72% 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.
Capitalization2
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 $359.97 million in assets with $31.58 million in equity, resulting in a capitalization level of 8.77%, which is below average.
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