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Overview / Commentary
703-341-3044
1801 S. Bell St
Arlington, VA 22202

B N A Credit Union is headquartered in Arlington and is the 80th largest credit union in the state of Virginia. It is also the 3,311st largest credit union in the nation. It was established in 1947 and as of December of 2013, it had grown to 3 employees and 1,024 members. B N A Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be a BNA, Inc., Institute of Management and Administration, Inc. (IOMA), Kennedy Information, Inc., McArdle Printing Co., or STF Service Corporation employee. - See Details

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Health

Data for Q4 2013

Institution Health

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

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 B N A Credit Union had $11,000 in non-current loans and owned real-estate with $1.98 million in equity and loan loss allowances on hand to cover it. This gives B N A Credit Union a Texas Ratio of 0.56% 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 B N A Credit Union decreased slightly from 0.70% as of December 31, 2012 to 0.56% as of December 31, 2013, resulting in a positive change of 20.55%.This indicates that the balance sheet and financial strength for B N A Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, B N A Credit Union has decreased its total deposits by -$1.92 million, resulting in -8.31% 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 B N A Credit Union has shown is below average.

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. B N A Credit Union has $23.18 million in assets with $1.98 million in equity, resulting in a capitalization level of 8.53%, which is average.

Institution Statistics

Overall
NCUA #5610
Year Chartered1947
Employees3
Primary Regulator
Assets and Liabilities
Assets$23.18 million
Loans$1.35 million
Deposits$21.19 million
Equity Capital$1.96 million
Loan Loss Allowance$15,000
Unbacked Noncurrent Loans$11,000
Real Estate Owned$0
Historic Data - December 2012
Assets$25.12 million
Equity Capital$1.99 million
Loan Loss Allowance$10,000
Unbacked Noncurrent Loans$11,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.68%
Return on Assets-0.11%
Return on Equity-1.33%
Interest Income$358,000
Rates
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B N A Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.35%$40k-Regular Share Account
0.10%--Holiday Club Account
Locations


B N A Credit Union Locations
Branch Office1801 S Bell StArlington, VA 22202