St. Alphonsus Medical Credit Union is headquartered in Boise and is the 42nd largest credit union in the state of Idaho. It is also the 5,349th largest credit union in the nation. It was established in 1959 and as of September of 2013, it had grown to 3 employees and 1,617 members. St. Alphonsus Medical Credit Union has a B health rating.
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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 September 30, 2013 St. Alphonsus Medical Credit Union had $0 in non-current loans and owned real-estate with $402,000 in equity and loan loss allowances on hand to cover it. This gives St. Alphonsus Medical 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.
The Texas Ratio for St. Alphonsus Medical Credit Union increased slightly from 4.37% as of September 30, 2012 to 0.00% as of September 30, 2013, resulting in a positive change of 100.00%.This indicates that the balance sheet and financial strength for St. Alphonsus Medical Credit Union has declined slightly in recent periods.
In the past year, St. Alphonsus Medical Credit Union has decreased its total deposits by $-978,000, resulting in -18.04% 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 St. Alphonsus Medical Credit Union has shown is poor.
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. St. Alphonsus Medical Credit Union has $4.84 million in assets with $402,000 in equity, resulting in a capitalization level of 8.31%, which is average.
|Assets and Liabilities|
|Loan Loss Allowance||$13,000|
|Real Estate Owned||$0|
|Historic Data - September 2012|
|Loan Loss Allowance||$20,000|
|Unbacked Noncurrent Loans||$0|
|Real Estate Owned||$0|
|Profit Margin - Quarterly|
|Net Interest Margin||4.11%|
|Return on Assets||0%|
|Return on Equity||0%|
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|St. Alphonsus Medical Credit Union Locations|
|Branch Office||6130 W Emerald St||Boise, ID 83704-8857|