Alton & Southern Railroad Emp Federal Credit Union


1000 South 22nd Street
Centreville, IL 62207
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Notable Rates APY Vs.Others
Savings N.A. 1.65% →
1-Year CD N.A. 2.02% →
2-Year CD N.A. 3.00% →
5-Year CD N.A. 3.35% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Alton & Southern Railroad Emp is an NCUA insured institution located in Centreville, IL. It was founded in 1936 and has approximately $1 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 1562
Date Established 1936
Assets $1.00 million
Loans $0.63 million
Deposits $0.75 million
Capital $0.25 million

Deposit Rates - June 26, 2022

Your Current Location: Connecticut, CT 06828

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Loan Rates - June 26, 2022

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for ALTON & SOUTHERN RAILROAD EMP

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 330511
5.575% 5.500% 0.88 $2,078 $1,420 Learn More

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Climate Initiatives

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Financial Details

Alton & Southern Railroad Emp Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alton & Southern Railroad Emp. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Alton & Southern Railroad Emp U.S. Average
4.76% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, Alton & Southern Railroad Emp had $12,084 in non-current loans and $0 in owned assets. To cover these potential losses it had $248,996 in net worth and $4,855 in loans loss reserves. That gives it a Texas Ratio of 4.76%.

Net Worth
Alton & Southern Railroad Emp U.S. Average
24.84% 12.36%

Alton & Southern Railroad Emp FCU has a net worth of 24.84% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.


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