Institution Statistics
| ALDERSGATE | | NCUA # | 15062 | | BankRate Report | View | | Year Chartered | 1962 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $3.18 million | | Loans | $2.87 million | | Deposits | $2.92 million | | Equity Capital | $253,000 | | Loan Loss Allowance | $27,000 |
Historic Data - December 2010 | | Assets | $3.22 million | | Equity Capital | $247,000 | | Loan Loss Allowance | $15,000 | | Unbacked Noncurrent Loans | $35,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.31% | | Return on Assets | 0.22% | | Return on Equity | 2.77% | | Interest Income | $191,000 |
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Institution Health
Overall Score:
4 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 Aldersgate Credit Union had $0 in non-current loans and owned real-estate with $280,000 in equity and loan loss allowances on hand to cover it. This gives Aldersgate Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Aldersgate Credit Union has decreased its total deposits by $-32,000, resulting in -1.08% 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 Aldersgate Credit Union has shown is below average. | | 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. Aldersgate Credit Union has $3.18 million in assets with $280,000 in equity, resulting in a capitalization level of 8.79%, which is average. |
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