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ALBA-GOLDEN FEDERAL CREDIT UNION

Dec, 31, 2021 — ALBA-GOLDEN FEDERAL CREDIT UNION is a federal credit union headquartered in ALBA, TX with 1 branch location and about $20.14 million in total assets. Opened 62 years ago in 1960, ALBA-GOLDEN FEDERAL CREDIT UNION has about 1,446 members and employs 7 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)
140 Broadway St
ALBA, TX 75410
Phone:(903) 765-2425
Fax:(903) 765-2547
Website:http://www.albagoldenfcu.com
Branches:1 branch locations
Members:1,446
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, 2021
FHLB Member:No
Low Income Designation:No
Assets:$20,135,014
CEO/Manager:Diane W Caughron
Chairperson:Lana Rhodes

Call Report

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 4,388,227
TOTAL INVESTMENTS 6,860,554
Loans Held for Sale 0
 
 Real Estate Loans 0
 Unsecured Loans 58,556
 Other Loans 8,496,789
 TOTAL LOANS 8,555,345
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -103,859
 Land And Building 248,391
 Other Fixed Assets 159
 NCUSIF Deposit 138,761
 All Other Assets 47,436
  TOTAL ASSETS 20,135,014
LIABILITIES & CAPITAL:  
 Dividends Payable 66,164
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 100,720
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 0
 Regular shares 11,083,393
 All Other Shares & Deposits 6,025,427
  TOTAL SHARES & DEPOSITS 17,108,820
  TOTAL LIABILITIES 17,275,704
 Regular Reserve 187,316
 Other Reserves 0
 Undivided Earnings 2,671,994
  TOTAL EQUITY 2,859,310
  TOTAL LIABILITIES, SHARES, & EQUITY 20,135,014
INCOME & EXPENSE  
 Loan Income 587,224
 Investment Income 35,968
 Other Income 47,172
 Total Employee Compensation & Benefits 251,641
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 163,978
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 0
 Cost of Funds 135,704
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 161,616
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