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Overview / Commentary
918-245-1301
202 E Morrow Rd
Sand Springs, OK 74063-6532

Green Country Federal Credit Union is headquartered in Sand Springs and is the 28th largest credit union in the state of Oklahoma. It is also the 2,283rd largest credit union in the nation. It was established in 1970 and as of March of 2014, it had grown to 23 employees and 8,684 members. Green Country Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

GCFCU serves the community of Sand Springs, Oklahoma. Those who live, work, worship or attend school in Sand Springs are eligible for membership with our credit union. - See Details

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Health

Data for Q1 2014

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. Green Country Federal Credit Union has a relatively low asset base.

Texas Ratio

GRADE:
B

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 Green Country Federal Credit Union had $854,000 in non-current loans and owned real-estate with $4.22 million in equity and loan loss allowances on hand to cover it. This gives Green Country Federal Credit Union a Texas Ratio of 20.22% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Green Country Federal Credit Union increased slightly from 11.16% as of March 31, 2013 to 20.22% as of March 31, 2014, resulting in a negative change of 81.15%. This indicates that the balance sheet and financial strength for Green Country Federal Credit Union has declined slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Green Country Federal Credit Union has increased its total deposits by $3.17 million, resulting in 7.41% 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 Green Country 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. Green Country Federal Credit Union has $50.55 million in assets with $4.22 million in equity, resulting in a capitalization level of 8.36%, which is average.

Institution Statistics

Overall
NCUA #24613
Year Chartered1970
Employees23
Primary Regulator
Assets and Liabilities
Assets$50.55 million
Loans$30.52 million
Deposits$46.01 million
Equity Capital$3.73 million
Loan Loss Allowance$497,000
Unbacked Noncurrent Loans$854,000
Real Estate Owned$0
Historic Data - March 2013
Assets$47.32 million
Equity Capital$3.86 million
Loan Loss Allowance$384,000
Unbacked Noncurrent Loans$854,000
Real Estate Owned$80,000
Profit Margin - Quarterly
Net Interest Margin1.43%
Return on Assets1.15%
Return on Equity15.56%
Interest Income$500,000
Rates
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Green Country Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%--Regular Shares
0.30%--IRA
0.30%--Club Account

Green Country Federal Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%--Money Market

Green Country Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$5k-24 Month CD
0.75%$5k-18 Month CD
0.60%--1 Year CD
0.50%--6 Month CD
0.25%--3 Month CD
Locations


Green Country Federal Credit Union Locations
Branch Office202 E Morrow RdSand Springs, OK 74063-6532
Branch Office3973 s highway 97sand springs, OK 74063-3829