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Not Federally Insured
208-367-2224
6130 W Emerald St
Boise, ID 83704

St. Alphonsus Medical Credit Union is headquartered in Boise and is the 39th largest credit union in the state of Idaho. It is also the 5,288th largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 3 employees and 1,618 members. St. Alphonsus Medical Credit Union has a C health rating.

Field of Membership Restrictions

Membership in our credit union is open to all persons who are employed in the medical or health care fields or are a Saint Alphonsus Health System employee. Family members of any member can also join. - 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. St. Alphonsus Medical Credit Union has a very low asset base.

Texas Ratio

GRADE:
A+

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 St. Alphonsus Medical Credit Union had $0 in non-current loans and owned real-estate with $396,000 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.

Deposit Growth

GRADE:
F

In the past year, St. Alphonsus Medical Credit Union has decreased its total deposits by $-694,000, resulting in -13.38% 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.

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. St. Alphonsus Medical Credit Union has $4.88 million in assets with $396,000 in equity, resulting in a capitalization level of 8.12%, which is average.

Institution Statistics

Overall
NCUA #82537
Year Chartered1959
Employees3
Primary Regulator
Assets and Liabilities
Assets$4.88 million
Loans$2.40 million
Deposits$4.49 million
Equity Capital$380,000
Loan Loss Allowance$16,000
Real Estate Owned$0
Historic Data - March 2013
Assets$5.58 million
Equity Capital$382,000
Loan Loss Allowance$30,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-1.07%
Return on Equity-13.68%
Interest Income$33,000
Rates

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Locations


St. Alphonsus Medical Credit Union Locations
Branch Office6130 W Emerald StBoise, ID 83704-8857