Sep, 30, 2025 — ALBA-GOLDEN FEDERAL CREDIT UNION is a federal credit union headquartered in ALBA, TX with 1 branch location and about $19.45 million in total assets. Opened 66 years ago in 1960, ALBA-GOLDEN FEDERAL CREDIT UNION has about 1,532 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) | 140 Broadway St ALBA, TX 75410 |
| Phone: | (903) 765-2425 |
| Fax: | (903) 765-2547 |
| Website: | https://www.albagoldfcu.virtualcu.n |
| Branches: | 1 branch locations |
| Members: | 1,532 |
| 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, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $19,453,562 |
| CEO/Manager: | Danielle L Williams |
| Chairperson: | Laura Reid |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,913,515 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 48,277 |
| Other Loans | 14,031,870 |
| TOTAL LOANS | 14,080,146 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -252,453 |
| Land And Building | 222,458 |
| Other Fixed Assets | 16,597 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 141,671 |
| All Other Assets | 11,100 |
| TOTAL ASSETS | 19,453,562 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 54,408 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 118,368 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 9,347,557 |
| All Other Shares & Deposits | 6,468,230 |
| TOTAL SHARES & DEPOSITS | 15,815,787 |
| TOTAL LIABILITIES | 15,988,563 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 3,464,999 |
| TOTAL EQUITY | 3,464,999 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 19,453,562 |
| INCOME & EXPENSE | |
| Loan Income | 904,727 |
| Investment Income | 138,437 |
| Other Income | 34,609 |
| Total Employee Compensation & Benefits | 180,122 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 227,872 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 243,376 |
| Cost of Funds | 177,135 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 279,099 |
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