Institution Statistics
| A.B. | | NCUA # | 14879 | | BankRate Report | View | | Year Chartered | 1962 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $4.46 million | | Loans | $1.04 million | | Deposits | $3.79 million | | Equity Capital | $660,000 | | Loan Loss Allowance | $7,000 | | Unbacked Noncurrent Loans | $4,000 |
Historic Data - December 2010 | | Assets | $4.15 million | | Equity Capital | $652,000 | | Loan Loss Allowance | $6,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.83% | | Return on Assets | 0.18% | | Return on Equity | 1.21% | | Interest Income | $148,000 | | Non-Interest Income | $66,000 |
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Institution Health
Overall Score:
5 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.B. Credit Union (PA) had $4,000 in non-current loans and owned real-estate with $667,000 in equity and loan loss allowances on hand to cover it. This gives A.B. Credit Union (PA) a Texas Ratio of 0.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, A.B. Credit Union (PA) has increased its total deposits by $300,000, resulting in 8.59% 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.B. Credit Union (PA) 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.B. Credit Union (PA) has $4.46 million in assets with $667,000 in equity, resulting in a capitalization level of 14.97%, which is excellent. |
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