Institution Statistics
| A M E UNION | | NCUA # | 16121 | | BankRate Report | View | | Year Chartered | 1964 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $36,000 | | Loans | $4,000 | | Deposits | $33,000 | | Equity Capital | $3,000 | | Unbacked Noncurrent Loans | $2,000 |
Historic Data - December 2010 | | Assets | $33,000 | | Equity Capital | $5,000 | | Loan Loss Allowance | $1,000 |
Profit Margin - Quarterly | | Net Interest Margin | 0% | | Return on Assets | 0% | | Return on Equity | 0% |
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Institution Health
Overall Score:
3 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 A M E Union Credit Union had $2,000 in non-current loans and owned real-estate with $3,000 in equity and loan loss allowances on hand to cover it. This gives A M E Union Credit Union a Texas Ratio of 66.67% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, A M E Union Credit Union has increased its total deposits by $5,000, resulting in 17.86% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth A M E Union Credit Union has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. A M E Union Credit Union has $36,000 in assets with $3,000 in equity, resulting in a capitalization level of 8.33%, which is average. |
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