Arkansas Am & N College Credit Union

Arkansas Am & N College Credit Union is headquartered in Pine Bluff and is the 54^th largest credit union in the state of Arkansas. It is also the 6,248^th largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 2 employees and 947 members. Arkansas Am & N College Credit Union has a 5-star health rating.

Arkansas Am & N College Credit Union Savings Account Rates

Arkansas Am & N College Credit Union CD Rates

Data for Q4 2011

Institution Statistics ARKANSAS AM & N COLLEGE NCUA # 7700 BankRate Report View Year Chartered 1952 Employees 2 Primary Regulator Assets and Liabilities Assets $2.27 million Loans $1.37 million Deposits $2.03 million Equity Capital $231,000 Loan Loss Allowance $2,000 Unbacked Noncurrent Loans $4,000 Historic Data - December 2010 Assets $2.07 million Equity Capital $224,000 Loan Loss Allowance $2,000 Unbacked Noncurrent Loans $9,000 Profit Margin - Quarterly Net Interest Margin 5.31% Return on Assets 0.22% Return on Equity 2.16% Interest Income $84,000 Non-Interest Income $8,000

Institution Health Overall Score: 5 out of 5 Texas Ratio 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, 2011 Arkansas Am & N College Credit Union had $4,000 in non-current loans and owned real-estate with $233,000 in equity and loan loss allowances on hand to cover it. This gives Arkansas Am & N College Credit Union a Texas Ratio of 1.72% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Arkansas Am & N College Credit Union decreased significantly from 3.98% as of December 31, 2010 to 1.72% as of December 31, 2011, resulting in a positive change of 56.89%.This indicates that the balance sheet and financial strength for Arkansas Am & N College Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Arkansas Am & N College Credit Union has increased its total deposits by $201,000, resulting in 10.97% 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 Arkansas Am & N College Credit Union has shown is excellent. Capitalization 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. Arkansas Am & N College Credit Union has $2.27 million in assets with $233,000 in equity, resulting in a capitalization level of 10.25%, which is above average.

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