North Alabama Papermakers Credit Union
P.O. Box 508
Stevenson, AL 35772
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North Alabama Papermakers Credit Union is headquartered in STEVENSON and is the 117st largest credit union in the state of Alabama. It is also the 6,374th largest credit union in the nation. It was established in 1975 and as of December of 2011, it had grown to 1 employees and 411 members. North Alabama Papermakers Credit Union has a 5-star health rating.
Data for Q4 2011
Institution Statistics
| NORTH ALABAMA PAPERMAKERS | | NCUA # | 22070 | | BankRate Report | View | | Year Chartered | 1975 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.90 million | | Loans | $964,000 | | Deposits | $1.40 million | | Equity Capital | $490,000 | | Loan Loss Allowance | $16,000 |
Historic Data - December 2010 | | Assets | $1.88 million | | Equity Capital | $503,000 | | Loan Loss Allowance | $22,000 | | Unbacked Noncurrent Loans | $1,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.21% | | Return on Assets | -0.63% | | Return on Equity | -2.45% | | Interest Income | $71,000 | | Non-Interest Income | $6,000 |
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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 North Alabama Papermakers Credit Union had $0 in non-current loans and owned real-estate with $506,000 in equity and loan loss allowances on hand to cover it. This gives North Alabama Papermakers 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, North Alabama Papermakers Credit Union has increased its total deposits by $29,000, resulting in 2.11% 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 North Alabama Papermakers Credit Union has shown is above average. | | 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. North Alabama Papermakers Credit Union has $1.9 million in assets with $506,000 in equity, resulting in a capitalization level of 26.69%, which is excellent. |
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