Institution Statistics
| BIG ISLAND | | NCUA # | 1607 | | BankRate Report | View | | Year Chartered | 1936 | | Employees | 34 | | Primary Regulator | |
Assets and Liabilities | | Assets | $80.58 million | | Loans | $45.86 million | | Deposits | $73.46 million | | Equity Capital | $6.66 million | | Loan Loss Allowance | $730,000 | | Unbacked Noncurrent Loans | $1.38 million |
Historic Data - December 2011 | | Assets | $76.26 million | | Equity Capital | $6.33 million | | Loan Loss Allowance | $486,000 | | Unbacked Noncurrent Loans | $933,000 | | Real Estate Owned | $233,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.25% | | Return on Assets | 0.33% | | Return on Equity | 4% | | Interest Income | $3.43 million | | Non-Interest Income | $987,000 |
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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, 2012 Big Island Credit Union had $1.38 million in non-current loans and owned real-estate with $7.39 million in equity and loan loss allowances on hand to cover it. This gives Big Island Credit Union a Texas Ratio of 18.71% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Big Island Credit Union held steady from 17.10% as of December 31, 2011 to 18.71% as of December 31, 2012, resulting in a negative change of 9.36%. This indicates that the balance sheet and financial strength for Big Island Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, Big Island Credit Union has increased its total deposits by $4.09 million, resulting in 5.9% 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 Big Island 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. Big Island Credit Union has $80.58 million in assets with $7.39 million in equity, resulting in a capitalization level of 9.17%, which is average. |
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