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Overview / Commentary
603-752-2750
200 Coos St
Berlin, NH 03570

Guardian Angel Credit Union is headquartered in Berlin and is the 10st largest credit union in the state of New Hampshire. It is also the 2,493rd largest credit union in the nation. It was established in 1929 and as of December of 2013, it had grown to 12 employees and 4,556 members. Guardian Angel Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live or work within a 50 mile radius of Berlin NH. - See Details

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Health

Data for Q4 2013

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. Guardian Angel 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 Guardian Angel Credit Union had $391,000 in non-current loans and owned real-estate with $8.1 million in equity and loan loss allowances on hand to cover it. This gives Guardian Angel Credit Union a Texas Ratio of 4.83% 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 Guardian Angel Credit Union experienced no significant changes from 3.61% as of December 31, 2012 to 4.83% as of December 31, 2013, resulting in a negative change of 33.55%. This indicates that the balance sheet and financial strength for Guardian Angel Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Guardian Angel Credit Union has increased its total deposits by $1.14 million, resulting in 3.49% 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 Guardian Angel Credit Union has shown is excellent.

Capitalization

GRADE:
A+

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. Guardian Angel Credit Union has $41.92 million in assets with $8.1 million in equity, resulting in a capitalization level of 19.33%, which is excellent.

Institution Statistics

Overall
NCUA #60786
Year Chartered1929
Employees12
Primary Regulator
Assets and Liabilities
Assets$41.92 million
Loans$13.14 million
Deposits$33.93 million
Equity Capital$7.93 million
Loan Loss Allowance$171,000
Unbacked Noncurrent Loans$366,000
Real Estate Owned$25,000
Historic Data - December 2012
Assets$40.94 million
Equity Capital$8.09 million
Loan Loss Allowance$209,000
Unbacked Noncurrent Loans$366,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.86%
Return on Assets-0.36%
Return on Equity-1.92%
Interest Income$1.11 million
Rates
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Guardian Angel Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.40%--IRA Account
0.15%$50-Share Account
0.15%--Christmas Club

Guardian Angel Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.50%$99k-Money Market

Guardian Angel Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.51%$500-5 Year CD
1.30%$500-4 Year CD
1.11%$500-3 Year CD
0.75%$500-2 Year CD
0.75%$500-30 Month CD
0.70%$15k-23 Month CD
0.60%$50k-13 Month CD
0.50%$500-18 Month CD
0.50%$10k-16 Month CD
0.40%$500-1 Year CD
0.40%$500-15 Month CD
0.40%$5k-14 Month CD
0.40%$50k-11 Month CD
0.31%$5k-7 Month CD
0.31%$10k-10 Month CD
0.30%$500-6 Month CD
Locations


Guardian Angel Credit Union Locations
Branch Office200 Coos StBerlin, NH 03570
Branch Office148 Main StLancaster, NH 03584-3059