Gabriels Community Credit Union
Gabriels Community Credit Union is headquartered in LANSING and is the 249th largest credit union in the state of Michigan. It is also the 4,246th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 5 employees and 2,189 members. Gabriels Community Credit Union has a 5-star health rating.
See Rates for: Savings |
Money Market |
CD |
IRA
Gabriels Community Credit Union Savings Account Rates
|
Apy | Min | Max | Product |
| 0.50% | $100 | - | IRA Share Account |
| 0.05% | $100 | - | Primary Savings Account |
| 0.05% | $100 | - | Christmas Account |
| 0.05% | $100 | - | Wish Account |
| 0.05% | $100 | - | Vacation Account |
Gabriels Community Credit Union Money Market Rates
Gabriels Community Credit Union CD Rates
|
Apy | Min | Max | Product |
| 1.50% | $500 | - | 5 Year CD |
| 1.35% | $500 | - | 4 Year CD |
| 0.95% | $500 | - | 3 Year CD |
| 0.55% | $500 | - | 2 Year CD |
| 0.25% | $500 | - | 1 Year CD |
| 0.25% | $500 | - | 15 Month CD |
| 0.20% | $500 | - | 9 Month CD |
Gabriels Community Credit Union IRA Rates
|
Apy | Min | Max | Product |
| 1.50% | $500 | - | 5 Year IRA CD |
| 1.35% | $500 | - | 4 Year IRA CD |
| 0.95% | $500 | - | 3 Year IRA CD |
| 0.55% | $500 | - | 2 Year IRA CD |
| 0.25% | $500 | - | 1 Year IRA CD |
| 0.25% | $500 | - | 15 Month IRA CD |
| 0.20% | $500 | - | 9 Month IRA CD |
Rates updated: 5/25/2012
Data for Q4 2011
Institution Statistics
| GABRIELS COMMUNITY | | NCUA # | 61630 | | BankRate Report | View | | Year Chartered | 1957 | | Employees | 5 | | Primary Regulator | |
Assets and Liabilities | | Assets | $12.70 million | | Loans | $6.15 million | | Deposits | $11.55 million | | Equity Capital | $1.12 million | | Loan Loss Allowance | $28,000 |
Historic Data - December 2010 | | Assets | $11.29 million | | Equity Capital | $1.11 million | | Loan Loss Allowance | $23,000 | | Unbacked Noncurrent Loans | $7,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.39% | | Return on Assets | 0.13% | | Return on Equity | 1.51% | | Interest Income | $411,000 | | Non-Interest Income | $129,000 |
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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 Gabriels Community Credit Union had $0 in non-current loans and owned real-estate with $1.15 million in equity and loan loss allowances on hand to cover it. This gives Gabriels Community Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Gabriels Community Credit Union has increased its total deposits by $1.39 million, resulting in 13.65% 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 Gabriels Community 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. Gabriels Community Credit Union has $12.7 million in assets with $1.15 million in equity, resulting in a capitalization level of 9.06%, which is average. |
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