Alba, Texas · Peer group 3
Alba-Golden Credit Union
Alba-Golden Credit Union holds $21.9M in assets across 1,562 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1960. Charter number 13655, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $21.9M |
|---|---|
| Total loans | $15.6M |
| Total shares (deposits) | $17.9M |
| Net worth | $3.6M |
| Members | 1,562 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 16.2% | |
|---|---|---|
| Loans | 16.3% | higher than 97% of its peer group |
| Deposits | 17.9% | higher than 99% of its peer group |
| Members | 2.0% | around the 84th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 87.0% | higher than 92% of its peer group |
|---|---|---|
| Net worth ratio | 16.6% | around the 69th percentile of its peer group |
| Return on assets | 0.83% | around the 60th percentile of its peer group |
| Delinquency ratio | 0.46% | around the 44th percentile of its peer group |
| Cash / assets | 14.4% | around the 66th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Alba-Golden Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Northeast Panhandle Teachers Credit Union
Perryton, TX
$21.9M · 2,421 members
- McMurrey Credit Union
TYLER, TX
$22.2M · 1,726 members
- First Priority Credit Union
Abilene, TX
$22.4M · 1,292 members
- Mopac Employees Credit Union
Palestine, TX
$22.5M · 2,429 members
- Odessa Employees Credit Union
Odessa, TX
$21.1M · 1,381 members
- Lcra Credit Union
Austin, TX
$20.7M · 2,115 members
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