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Overview / Commentary
410-931-3123
8601 Honeygo Blvd., Suite H
Baltimore, MD 21236

Oldham Family Alliance Credit Union is headquartered in Baltimore and is the 79th largest credit union in the state of Maryland. It is also the 5,110st largest credit union in the nation. It was established in 1950 and as of December of 2013, it had grown to 1 employees and 900 members. Oldham Family Alliance Credit Union has a D health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in White Marsh, Perry Hall, Nottingham, Rosedale or Fullerton. - See Details

Reviews (1)

Don't Open Account...Fees Are HIGH

I opened a savings account with several hundred dollars. Oldham Family Credit Union began charging $2.00 a month just for having a savings account with them!! Can you believe that? This credit union charges fees more than banks. DO NOT BANK WITH OLDHAM FAMILY CREDIT UNION !!!



Health

Data for Q4 2013

Institution Health

D
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Oldham Family Alliance Credit Union has a very low asset base.

Texas Ratio

GRADE:
C+

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 Oldham Family Alliance Credit Union had $40,000 in non-current loans and owned real-estate with $167,000 in equity and loan loss allowances on hand to cover it. This gives Oldham Family Alliance Credit Union a Texas Ratio of 23.95% which is 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 Oldham Family Alliance Credit Union experienced no significant changes from 25.85% as of December 31, 2012 to 23.95% as of December 31, 2013, resulting in a positive change of 7.33%.This indicates that the balance sheet and financial strength for Oldham Family Alliance Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
F

In the past year, Oldham Family Alliance Credit Union has decreased its total deposits by -$1.47 million, resulting in -20.31% 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 Oldham Family Alliance Credit Union has shown is poor.

Capitalization

GRADE:
F

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. Oldham Family Alliance Credit Union has $5.85 million in assets with $167,000 in equity, resulting in a capitalization level of 2.85%, which is poor.

Institution Statistics

Overall
NCUA #6644
Year Chartered1950
Employees1
Primary Regulator
Assets and Liabilities
Assets$5.85 million
Loans$3.73 million
Deposits$5.79 million
Equity Capital$67,000
Loan Loss Allowance$100,000
Unbacked Noncurrent Loans$40,000
Real Estate Owned$0
Historic Data - December 2012
Assets$7.62 million
Equity Capital$389,000
Loan Loss Allowance$83,000
Unbacked Noncurrent Loans$40,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin7.67%
Return on Assets-5.47%
Return on Equity-477.61%
Interest Income$308,000
Rates
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Oldham Family Alliance Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.25%$10k-24 Month CD
0.15%$10k-12 Month CD

Oldham Family Alliance Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.25%$500-30 Month IRA
0.15%$500-12 Month IRA
Locations


Oldham Family Alliance Credit Union Locations
Branch Office2188 Parkway Lake DrHoover, AL 35244-1803
Branch Office8601 Honeygo Blvd Ste HBaltimore, MD 21236-2524