Garland County Educators Federal Credit Union

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Overview / Commentary

www.gcefcuhotsprings.org

501-623-9230

190 Aviation Plz Ste E
Hot Springs, AR 71913

Garland County Educators Federal Credit Union is headquartered in Hot Springs and is the 46^th largest credit union in the state of Arkansas. It is also the 4,815^th largest credit union in the nation. It was established in 1968 and as of September of 2018, it had grown to 2 employees and 807 members at 1 location. Garland County Educators Federal Credit Union's CD rates are 51% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in Garland County Educators Federal Credit Union is open to employees of Garland County school districts.
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Health

C+

Data as of Q3 2018

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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. Garland County Educators Federal Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #	18814
Year Chartered	1968
Employees	2
Primary Regulator

Profit Margin
Return on Assets - YTD	0.92%
Return on Equity - YTD	9.16%
Annual Interest Income	$141.00K

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$3.8MM$3.8MM
Loans	Q3 2018vs Q3 2017	$2.9MM$2.5MM
Deposits	Q3 2018vs Q3 2017	$3.4MM$3.4MM
Equity Capital	Q3 2018vs Q3 2017	$393.00K$370.00K
Loan Loss Allowance	Q3 2018vs Q3 2017	$7.00K$5.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$4.00K$1,000
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

Rates

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

Garland County Educators Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$5k^*	-	Regular Share Account
OTHER TIERS: 0.15% → $100 - $5k
0.25%^*	$5k^*	-	Christmas Club Account
OTHER TIERS: 0.15% → $100 - $5k
0.25%^*	$5k^*	-	Youth Account
OTHER TIERS: 0.15% → $100 - $5k
0.25%^*	$5k^*	-	Vacation Account
OTHER TIERS: 0.15% → $100 - $5k

Garland County Educators Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.36%	$2.5k	-	6 Month CD
1.36%	$2.5k	-	12 Month CD

Locations

Garland County Educators Federal Credit Union Locations
Branch Office	190 Aviation Plz Ste E	Hot Springs, AR 71913-5531

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