Alcoa Community Federal Credit Union

Overview / Commentary

www.alcoacommunityfcu.org

501-315-5626

1125 Military Rd
Benton, AR 72015

Alcoa Community Federal Credit Union is headquartered in Benton and is the 13^th largest credit union in the state of Arkansas. It is also the 2,446^th largest credit union in the nation. It was established in 1957 and as of June of 2020, it had grown to 12 employees and 5,439 members at 1 location. Alcoa Community Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in Alcoa Community Credit Union is open to those who live, work, attend school, or worship in Saline County, Arkansas.
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Health

B+

Data as of Q2 2020

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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. Alcoa Community Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	11913
Year Chartered	1957
Employees	12
Primary Regulator

Profit Margin
Return on Assets - YTD	0.34%
Return on Equity - YTD	3.25%
Annual Interest Income	$842.00K

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$48.9MM$44.0MM
Loans	Q2 2020vs Q2 2019	$33.1MM$30.5MM
Deposits	Q2 2020vs Q2 2019	$43.1MM$38.6MM
Equity Capital	Q2 2020vs Q2 2019	$4.9MM$4.8MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$79.00K$76.00K
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$88.00K$93.00K
Real Estate Owned	Q2 2020vs Q2 2019	$0$52.00K

Rates

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Savings
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Alcoa Community Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	-	-	IRA Accounts
1.00%^*	-	$5k	Christmas Club Accounts
OTHER TIERS: 0.25% → $5k+
1.00%^*	-	$5k	Vacation Club Accounts
OTHER TIERS: 0.25% → $5k+
0.50%^*	$20k^*	-	Monthly Dividend Accounts
OTHER TIERS: 0.30% → Up to $20k
0.35%^*	$10k^*	-	Regular Savings Accounts
OTHER TIERS: 0.25% → Up to $10k

Alcoa Community Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$2.5k^*	-	Share Draft Accounts
OTHER TIERS: 0.22% → $400 - $2.5k

Alcoa Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$2.5k	-	2 Year Share Certificate
0.65%	$2.5k	-	1 Year Share Certificate
0.50%	$1k	-	6 Month Share Certificate

Locations

Alcoa Community Federal Credit Union Locations
Branch Office	1125 Military Rd	Benton, AR 72015

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