Institution Statistics
| ALTON & SOUTHERN RAILROAD EMP | | NCUA # | 1562 | | BankRate Report | View | | Year Chartered | 1936 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.17 million | | Loans | $570,000 | | Deposits | $932,000 | | Equity Capital | $238,000 | | Loan Loss Allowance | $8,000 | | Unbacked Noncurrent Loans | $13,000 |
Historic Data - December 2010 | | Assets | $1.23 million | | Equity Capital | $291,000 | | Loan Loss Allowance | $16,000 |
Profit Margin - Quarterly | | Net Interest Margin | 9.11% | | Return on Assets | -4.43% | | Return on Equity | -21.85% | | Interest Income | $60,000 | | Non-Interest Income | $6,000 |
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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 Alton & Southern Railroad Emp Credit Union had $13,000 in non-current loans and owned real-estate with $246,000 in equity and loan loss allowances on hand to cover it. This gives Alton & Southern Railroad Emp Credit Union a Texas Ratio of 5.28% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Alton & Southern Railroad Emp Credit Union has increased its total deposits by $3,000, resulting in 0.32% 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 Alton & Southern Railroad Emp Credit Union has shown is 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. Alton & Southern Railroad Emp Credit Union has $1.17 million in assets with $246,000 in equity, resulting in a capitalization level of 20.95%, which is excellent. |
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