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Arbuckle Federal Credit Union

Arbuckle Federal Credit Union
Overview / Commentary
580-332-0181
317 S Broadway Ave
ADA, OK 74820

Arbuckle Federal Credit Union is headquartered in Ada and is the 54th largest credit union in the state of Oklahoma. It is also the 4,360th largest credit union in the nation. It was established in 1966 and as of March of 2014, it had grown to 4 employees and 1,261 members. Arbuckle Federal Credit Union has a B health rating.

Field of Membership Restrictions

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Health

Data for Q1 2014

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Arbuckle Federal Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

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 Arbuckle Federal Credit Union had $21,000 in non-current loans and owned real-estate with $834,000 in equity and loan loss allowances on hand to cover it. This gives Arbuckle Federal Credit Union a Texas Ratio of 2.52% 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 Arbuckle Federal Credit Union experienced no significant changes from 1.07% as of March 31, 2013 to 2.52% as of March 31, 2014, resulting in a negative change of 135.43%. This indicates that the balance sheet and financial strength for Arbuckle Federal Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Arbuckle Federal Credit Union has increased its total deposits by $648,000, resulting in 6.87% 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 Arbuckle Federal Credit Union has shown is excellent.

Capitalization

GRADE:
C-

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. Arbuckle Federal Credit Union has $11.08 million in assets with $834,000 in equity, resulting in a capitalization level of 7.53%, which is below average.

Institution Statistics

Overall
NCUA #24843
Year Chartered1966
Employees4
Primary Regulator
Assets and Liabilities
Assets$11.08 million
Loans$7.66 million
Deposits$10.09 million
Equity Capital$784,000
Loan Loss Allowance$50,000
Unbacked Noncurrent Loans$21,000
Real Estate Owned$0
Historic Data - March 2013
Assets$10.22 million
Equity Capital$712,000
Loan Loss Allowance$36,000
Unbacked Noncurrent Loans$21,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.69%
Return on Assets0.76%
Return on Equity10.71%
Interest Income$147,000
Rates

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Locations


Arbuckle Federal Credit Union Locations
Branch Office317 S Broadway AveAda, OK 74820