Institution Statistics
| ACUSHNET | | NCUA # | 13814 | | BankRate Report | View | | Year Chartered | 1960 | | Employees | 7 | | Primary Regulator | |
Assets and Liabilities | | Assets | $17.72 million | | Loans | $8.59 million | | Deposits | $15.95 million | | Equity Capital | $1.82 million | | Loan Loss Allowance | $76,000 | | Unbacked Noncurrent Loans | $52,000 |
Historic Data - December 2010 | | Assets | $16.35 million | | Equity Capital | $1.68 million | | Loan Loss Allowance | $96,000 | | Unbacked Noncurrent Loans | $43,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.69% | | Return on Assets | 0.78% | | Return on Equity | 7.63% | | Interest Income | $620,000 | | Non-Interest Income | $118,000 |
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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 Acushnet had $52,000 in non-current loans and owned real-estate with $1.9 million in equity and loan loss allowances on hand to cover it. This gives Acushnet a Texas Ratio of 2.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Acushnet held steady from 2.42% as of December 31, 2010 to 2.74% as of December 31, 2011, resulting in a negative change of 13.28%. This indicates that the balance sheet and financial strength for Acushnet has held steady in recent periods. | | Deposit Growth | | | In the past year, Acushnet has increased its total deposits by $1.28 million, resulting in 8.7% 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 Acushnet 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. Acushnet has $17.72 million in assets with $1.9 million in equity, resulting in a capitalization level of 10.71%, which is above average. |
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