Institution Statistics
| BESSER | | NCUA # | 62203 | | BankRate Report | View | | Year Chartered | 1966 | | Employees | 18 | | Primary Regulator | |
Assets and Liabilities | | Assets | $59.70 million | | Loans | $28.70 million | | Deposits | $53.74 million | | Equity Capital | $5.43 million | | Loan Loss Allowance | $237,000 | | Unbacked Noncurrent Loans | $187,000 | | Real Estate Owned | $276,000 |
Historic Data - December 2010 | | Assets | $56.75 million | | Equity Capital | $5.26 million | | Loan Loss Allowance | $276,000 | | Unbacked Noncurrent Loans | $808,000 | | Real Estate Owned | $292,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.93% | | Return on Assets | 0.28% | | Return on Equity | 3.1% | | Interest Income | $2.11 million | | Non-Interest Income | $481,000 |
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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 Besser Credit Union had $463,000 in non-current loans and owned real-estate with $5.66 million in equity and loan loss allowances on hand to cover it. This gives Besser Credit Union a Texas Ratio of 8.18% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Besser Credit Union decreased significantly from 19.88% as of December 31, 2010 to 8.18% as of December 31, 2011, resulting in a positive change of 58.87%.This indicates that the balance sheet and financial strength for Besser Credit Union has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Besser Credit Union has increased its total deposits by $2.65 million, resulting in 5.19% 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 Besser Credit Union has shown is excellent. | | 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. Besser Credit Union has $59.7 million in assets with $5.66 million in equity, resulting in a capitalization level of 9.49%, which is average. |
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