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Overview / Commentary
800-325-9905
1001 Lynch Street
Saint Louis, MO 63118

Anheuser-Busch Employees Credit Union is headquartered in Saint Louis and is the 3rd largest credit union in the state of Missouri. It is also the 132nd largest credit union in the nation. It was established in 1939 and as of December of 2013, it had grown to 325 employees and 114,480 members. Anheuser-Busch Employees Credit Union's savings rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an Anheuser-Busch Company employee or retiree. - See Details

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Health

Data for Q4 2013

Institution Health

B+

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 Anheuser-Busch Employees Credit Union had $14.6 million in non-current loans and owned real-estate with $149.75 million in equity and loan loss allowances on hand to cover it. This gives Anheuser-Busch Employees Credit Union a Texas Ratio of 9.75% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Anheuser-Busch Employees Credit Union decreased slightly from 11.53% as of December 31, 2012 to 9.75% as of December 31, 2013, resulting in a positive change of 15.41%.This indicates that the balance sheet and financial strength for Anheuser-Busch Employees Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Anheuser-Busch Employees Credit Union has increased its total deposits by $21.32 million, resulting in 1.73% 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 Anheuser-Busch Employees Credit Union has shown is above average.

Capitalization

GRADE:
B+

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. Anheuser-Busch Employees Credit Union has $1.41 billion in assets with $149.75 million in equity, resulting in a capitalization level of 10.60%, which is above average.

Institution Statistics

Overall
NCUA #62715
Year Chartered1939
Employees325
Primary Regulator
Assets and Liabilities
Assets$1.41 billion
Loans$1.07 billion
Deposits$1.25 billion
Equity Capital$136.41 million
Loan Loss Allowance$13.34 million
Unbacked Noncurrent Loans$13.32 million
Real Estate Owned$1.29 million
Historic Data - December 2012
Assets$1.40 billion
Equity Capital$130.58 million
Loan Loss Allowance$14.33 million
Unbacked Noncurrent Loans$13.32 million
Real Estate Owned$847,000
Profit Margin - Quarterly
Net Interest Margin4.79%
Return on Assets0.68%
Return on Equity7.07%
Interest Income$56.43 million
Rates

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Anheuser-Busch Employees Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
3.51%-$1kEarn & Learn Savings
0.55%$250k-IRA Daily Interest Fund
0.55%$250k-HSA Daily Interest Fund
0.55%$250k-Roth IRA Daily Interest Fund
0.55%$250k-Education IRA Daily Interest Fund
0.15%$100-Regular Savings
0.15%--Holiday Savings
0.15%$100-Multiple Savings
0.15%--Junior Account Savings
0.15%--Financial Youth Grp Savings
0.15%--Young Adult Financial Grp Savings
0.15%--IRA Accumulation
0.15%--HSA Savings
0.15%--Roth IRA Accumulation
0.15%--Education IRA Accumulation
0.10%$500-HSA Interest Checking

Anheuser-Busch Employees Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.55%$250k-Money Market Account

Anheuser-Busch Employees Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%--Interest Checking Plus
0.10%--Eagle Advantage Checking

Anheuser-Busch Employees Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.50%$1k-60 Month Member Merits-Gold Share Certificate
1.45%$1k-60 Month Share Certificate
1.45%$500-60 Month Financial Youth Group Share Certificate
1.45%$500-60 Month Young Adult Financial Group Share Certificate
1.45%$500-60 Month Junior Account Program Share Certificate
1.25%$1k-48 Month Member Merits-Gold Share Certificate
1.20%$1k-48 Month Share Certificate
1.20%$500-48 Month Financial Youth Group Share Certificate
1.20%$500-48 Month Young Adult Financial Group Share Certificate
1.20%$500-48 Month Junior Account Program Share Certificate
1.00%$1k-36 Month Member Merits-Gold Share Certificate
1.00%$1k-60 Month Variable Rate Member Merits-Gold Share Certificate
0.95%$1k-36 Month Share Certificate
0.95%$1k-60 Month Variable Rate Share Certificate
0.95%$500-36 Month Financial Youth Group Share Certificate
0.95%$500-60 Month Variable Rate Financial Youth Group Share Certificate
0.95%$500-36 Month Young Adult Financial Group Share Certificate
0.95%$500-60 Month Variable Rate Young Adult Financial Group Share Certificate
0.95%$500-36 Month Junior Account Program Share Certificate
0.95%$500-60 Month Variable Rate Junior Account Program Share Certificate
0.90%$1k-30 Month Member Merits-Gold Share Certificate
0.85%$1k-30 Month Share Certificate
0.85%$500-30 Month Financial Youth Group Share Certificate
0.85%$500-30 Month Young Adult Financial Group Share Certificate
0.85%$500-30 Month Junior Account Program Share Certificate
0.75%$1k-36 Month Variable Rate Member Merits-Gold Share Certificate
0.70%$1k-36 Month Variable Rate Share Certificate
0.70%$500-36 Month Variable Rate Financial Youth Group Share Certificate
0.70%$500-36 Month Variable Rate Young Adult Financial Group Share Certificate
0.70%$500-36 Month Variable Rate Junior Account Program Share Certificate
0.70%$1k-24 Month Member Merits-Gold Share Certificate
0.65%$1k-24 Month Share Certificate
0.65%$500-24 Month Financial Youth Group Share Certificate
0.65%$500-24 Month Young Adult Financial Group Share Certificate
0.65%$500-24 Month Junior Account Program Share Certificate
0.55%$1k-18 Month Member Merits-Gold Share Certificate
0.50%$1k-18 Month Share Certificate
0.50%$500-18 Month Financial Youth Group Share Certificate
0.50%$500-18 Month Young Adult Financial Group Share Certificate
0.50%$500-18 Month Junior Account Program Share Certificate
0.45%$1k-12 Month Membe Merits-Gold Share Certificate
0.40%$1k-12 Month Share Certificate
0.40%$500-12 Month Financial Youth Group Share Certificate
0.40%$500-12 Month Young Adult Financial Group Share Certificate
0.40%$500-12 Month Junior Account Program Share Certificate
0.35%$1k-9 Month Member Merits-Gold Share Certificate
0.30%$1k-9 Month Share Certificate
0.30%$500-9 Month Financial Youth Group Share Certificate
0.30%$500-9 Month Young Adult Financial Group Share Certificate
0.30%$500-9 Month Junior Account Program Share Certificate
0.30%$1k-6 Month Member Merits-Gold Share Certificate
0.25%$1k-6 Month Share Certificate
0.25%$500-6 Month Financial Youth Group Share Certificate
0.25%$500-6 Month Young Adult Financial Group Share Certificate
0.25%$500-6 Month Junior Account Program Share Certificate

Anheuser-Busch Employees Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.50%$1k-60 Month IRA (Traditional,Roth,CESA)
1.25%$1k-48 Month IRA (Traditional,Roth,CESA)
1.00%$1k-36 Month IRA (Traditional,Roth,CESA)
1.00%$1k-60 Month Variable Rate IRA
0.90%$1k-30 Month IRA (Traditional,Roth,CESA)
0.75%$1k-36 Month Variable Rate IRA
0.70%$1k-24 Month IRA (Traditional,Roth,CESA)
0.55%$1k-18 Month IRA (Traditional,Roth,CESA)
0.45%$1k-12 Month IRA (Traditional,Roth,CESA)
0.35%$1k-9 Month IRA (Traditional,Roth,CESA)
0.30%$1k-6 Month IRA (Traditional,Roth,CESA)
Locations

Anheuser-Busch Employees Credit Union has 27 locations. Click to view all Anheuser-Busch Employees Credit Union locations.