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Overview / Commentary
501-225-3636
P.O. Box 25636
Little Rock, AR 72221

Truservice Community Credit Union is headquartered in LIttle Rock and is the 15st largest credit union in the state of Arkansas. It is also the 2,664th largest credit union in the nation. It was established in 1976 and as of March of 2014, it had grown to 17 employees and 5,994 members. Truservice Community Credit Union has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Pulaski or Faulkner County, Arkansas - See Details

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Health

Data for Q1 2014

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. Truservice Community Credit Union has a 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 Truservice Community Credit Union had $161,000 in non-current loans and owned real-estate with $3.17 million in equity and loan loss allowances on hand to cover it. This gives Truservice Community Credit Union a Texas Ratio of 5.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Truservice Community Credit Union decreased dramatically from 11.40% as of March 31, 2013 to 5.04% as of March 31, 2014, resulting in a positive change of 55.74%.This indicates that the balance sheet and financial strength for Truservice Community Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Truservice Community Credit Union has increased its total deposits by $691,000, resulting in 2.03% 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 Truservice Community Credit Union has shown is above average.

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. Truservice Community Credit Union has $37.89 million in assets with $3.17 million in equity, resulting in a capitalization level of 8.37%, which is average.

Institution Statistics

Overall
NCUA #24390
Year Chartered1976
Employees17
Primary Regulator
Assets and Liabilities
Assets$37.89 million
Loans$27.66 million
Deposits$34.68 million
Equity Capital$3.07 million
Loan Loss Allowance$107,000
Unbacked Noncurrent Loans$161,000
Real Estate Owned$0
Historic Data - March 2013
Assets$37.22 million
Equity Capital$3.07 million
Loan Loss Allowance$131,000
Unbacked Noncurrent Loans$161,000
Real Estate Owned$233,000
Profit Margin - Quarterly
Net Interest Margin1.29%
Return on Assets-0.17%
Return on Equity-2.09%
Interest Income$418,000
Rates

Always verify rates and promotions with the bank or credit union. We are not Truservice Community Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Truservice Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$100k-Regular Shares
0.20%$200-Christmas Club
0.20%$200-IRA Shares
0.05%$1k-Performance Shares
0.05%$200-Misc Club

Truservice Community Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$100k-Money Market Savings
0.10%$10k-Money Market Checking

Truservice Community Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$1k-High-Five Checking

Truservice Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$500-5 Year CD
0.90%$500-3 Year CD
0.75%$500-2 Year CD
0.45%$500-1 Year CD
0.30%$500-6 Month CD

Truservice Community Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$500-5 Year IRA
0.90%$500-3 Year IRA
0.75%$500-2 Year IRA
0.45%$500-1 Year IRA
0.30%$500-6 Month IRA
Locations


Truservice Community Credit Union Locations
Branch Office11001 Hermitage RdLIttle Rock, AR 72211
Branch Office1600 Washington AveConway, AR 72032
Branch Office300 W Pershing BlvdNorth Little Rock, AR 72114