Institution Statistics
| ATRIUM | | NCUA # | 63446 | | BankRate Report | View | | Year Chartered | 1958 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $6.92 million | | Loans | $4.22 million | | Deposits | $5.97 million | | Equity Capital | $788,000 | | Loan Loss Allowance | $24,000 |
Historic Data - December 2010 | | Assets | $6.81 million | | Equity Capital | $759,000 | | Loan Loss Allowance | $19,000 | | Unbacked Noncurrent Loans | $3,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.7% | | Return on Assets | 0.42% | | Return on Equity | 3.68% | | Interest Income | $312,000 | | Non-Interest Income | $153,000 |
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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 Atrium Credit Union had $0 in non-current loans and owned real-estate with $812,000 in equity and loan loss allowances on hand to cover it. This gives Atrium 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, Atrium Credit Union has increased its total deposits by $16,000, resulting in 0.27% 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 Atrium 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. Atrium Credit Union has $6.92 million in assets with $812,000 in equity, resulting in a capitalization level of 11.73%, which is above average. |
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