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ALBA-GOLDEN FEDERAL CREDIT UNION

Dec, 31, 2020 — ALBA-GOLDEN FEDERAL CREDIT UNION is a federal credit union headquartered in Alba, TX with 1 branch location and about $16.83 million in total assets. Opened 61 years ago in 1960, ALBA-GOLDEN FEDERAL CREDIT UNION has about 1,426 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:ALBA-GOLDEN FEDERAL CREDIT UNION
Address:
(Main Office)
PO Box 360
Alba, TX 75410
Phone:(903) 765-2425
Fax:(903) 765-2547
Website:http://www.albagoldenfcu.com
Branches:1 branch locations
Members:1,426
Credit Union Type:Federal Credit Union
Charter Number:13655
Membership Type:Community credit unions, urban or rural, other than those designated 'low income'
Corporate Credit Union:No
Year Opened:1960
Last Audited:Sep 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$16,825,515
CEO/Manager:Diane W Caughron
Chairperson:Lana Rhodes

Call Report

  • Risk Based Loans

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 3,220,330
TOTAL INVESTMENTS 5,037,554
Loans Held for Sale 0
 
 Real Estate Loans 0
 Unsecured Loans 73,839
 Other Loans 8,186,811
 TOTAL LOANS 8,260,650
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -100,000
 Land And Building 255,307
 Other Fixed Assets 310
 NCUSIF Deposit 109,610
 All Other Assets 41,754
  TOTAL ASSETS 16,825,515
LIABILITIES & CAPITAL:  
 Dividends Payable 60,380
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 84,549
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 0
 Regular shares 8,717,320
 All Other Shares & Deposits 5,265,572
  TOTAL SHARES & DEPOSITS 13,982,892
  TOTAL LIABILITIES 14,127,821
 Regular Reserve 187,316
 Other Reserves 0
 Undivided Earnings 2,510,378
  TOTAL EQUITY 2,697,694
  TOTAL LIABILITIES, SHARES, & EQUITY 16,825,515
INCOME & EXPENSE  
 Loan Income 546,614
 Investment Income 64,506
 Other Income 77,411
 Total Employee Compensation & Benefits 194,876
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 142,508
 Non-operating Income & (Expense) -1
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 61,689
 Cost of Funds 146,970
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 142,487
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