Alba-Golden Federal Credit Union


Overview / Commentary
903-765-2425
140 Broadway St
Alba, TX 75410-0360

Alba-Golden Federal Credit Union is headquartered in Alba and is the 265th largest credit union in the state of Texas. It is also the 3,253rd largest credit union in the nation. It was established in 1960 and as of March of 2025, it had grown to 3 employees and 1,532 members at 1 location. Alba-Golden Federal Credit Union has a B health rating.

Field of Membership Restrictions

Alba-Golden Federal Credit Union offers membership to those who work, worship or live in Alba, Emory, Golden, Mineola or Quitman, Texas.
See current membership details

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Alba-Golden Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #13655
Year Chartered1960
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD1.81%
Return on Equity - YTD10.28%
Annual Interest Income$330K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$18.8MM$18.1MM
LoansQ1 2025vs Q1 2024$13.4MM$8.6MM
DepositsQ1 2025vs Q1 2024$15.2MM$14.8MM
Equity CapitalQ1 2025vs Q1 2024$3.3MM$3.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$206K$75K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$151K$61K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


Alba-Golden Federal Credit Union Locations
Branch Office140 Broadway StAlba, TX 75410

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