Institution Statistics
| ARCADIA CITY | | NCUA # | 13048 | | BankRate Report | View | | Year Chartered | 1959 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $5.60 million | | Loans | $2.34 million | | Deposits | $5.21 million | | Equity Capital | $365,000 | | Loan Loss Allowance | $9,000 |
Historic Data - December 2010 | | Assets | $5.91 million | | Equity Capital | $383,000 | | Loan Loss Allowance | $17,000 | | Unbacked Noncurrent Loans | $10,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.43% | | Return on Assets | -0.32% | | Return on Equity | -4.93% | | Interest Income | $203,000 | | Non-Interest Income | $45,000 |
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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 Arcadia City Credit Union had $0 in non-current loans and owned real-estate with $374,000 in equity and loan loss allowances on hand to cover it. This gives Arcadia City 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, Arcadia City Credit Union has decreased its total deposits by $-297,000, resulting in -5.39% 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 Arcadia City Credit Union has shown is poor. | | 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. Arcadia City Credit Union has $5.6 million in assets with $374,000 in equity, resulting in a capitalization level of 6.68%, which is below average. |
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