Institution Statistics
| BERKSHIRE | | NCUA # | 17414 | | BankRate Report | View | | Year Chartered | 1966 | | Employees | 4 | | Primary Regulator | |
Assets and Liabilities | | Assets | $13.40 million | | Loans | $3.84 million | | Deposits | $12.14 million | | Equity Capital | $1.19 million | | Loan Loss Allowance | $8,000 | | Unbacked Noncurrent Loans | $43,000 |
Historic Data - December 2010 | | Assets | $13.81 million | | Equity Capital | $1.37 million | | Loan Loss Allowance | $9,000 | | Unbacked Noncurrent Loans | $4,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.78% | | Return on Assets | -1.37% | | Return on Equity | -15.39% | | Interest Income | $461,000 | | Non-Interest Income | $2,000 |
|
|
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 Berkshire Credit Union had $43,000 in non-current loans and owned real-estate with $1.2 million in equity and loan loss allowances on hand to cover it. This gives Berkshire Credit Union a Texas Ratio of 3.59% 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 Berkshire Credit Union held steady from 0.29% as of December 31, 2010 to 3.59% as of December 31, 2011, resulting in a negative change of 1,141.14%. This indicates that the balance sheet and financial strength for Berkshire Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, Berkshire Credit Union has decreased its total deposits by $-227,000, resulting in -1.84% 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 Berkshire 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. Berkshire Credit Union has $13.4 million in assets with $1.2 million in equity, resulting in a capitalization level of 8.93%, which is average. |
|
