America's Credit Union is headquartered in JBLM and is the 21st largest credit union in the state of Washington. It is also the 515st largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 114 employees and 39,109 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 capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 America's Credit Union had $2.89 million in non-current loans and owned real-estate with $46.78 million in equity and loan loss allowances on hand to cover it. This gives America's Credit Union a Texas Ratio of 6.17% 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 experienced no significant changes from 5.80% as of March 31, 2013 to 6.17% as of March 31, 2014, resulting in a negative change of 6.40%. This indicates that the balance sheet and financial strength for America's Credit Union has had no significant changes in recent periods.
In the past year, America's Credit Union has increased its total deposits by $12.65 million, resulting in 3.57% 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 excellent.
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 $427.22 million in assets with $46.78 million in equity, resulting in a capitalization level of 10.95%, which is above average.
|Assets and Liabilities|
|Equity Capital||$43.53 million|
|Loan Loss Allowance||$3.26 million|
|Unbacked Noncurrent Loans||$2.47 million|
|Real Estate Owned||$420,000|
|Historic Data - March 2013|
|Equity Capital||$39.05 million|
|Loan Loss Allowance||$3.93 million|
|Unbacked Noncurrent Loans||$2.47 million|
|Real Estate Owned||$677,000|
|Profit Margin - Quarterly|
|Net Interest Margin||1.5%|
|Return on Assets||1.03%|
|Return on Equity||10.08%|
|Interest Income||$5.07 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|
|5.00%||-||$1k||Perk Checking - Qualifying|
|0.20%||$2,500||-||Golden 55 Checking|
|1.80%||$10k||-||48 Month Term Promotional Standard Share Certificate|
|1.50%||$10k||-||36 Month Term Promotional Standard Share Certificate|
|1.00%||$500||-||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%||$500||-||21-30 Month Term Promotional Standard Share Certificate|
|0.65%||$500||-||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%||$500||-||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|
|0.55%||$25k||$100k||24-47 Month IRA Certificate Account|
|0.45%||$500||$100k||12-23 Month IRA Certificate Account|