Institution Statistics
| BLUFFTON MOTOR WORKS/FRANKLIN ELECT | | NCUA # | 82753 | | BankRate Report | View | | Year Chartered | 1952 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.61 million | | Loans | $237,000 | | Deposits | $1.36 million | | Equity Capital | $249,000 | | Loan Loss Allowance | $31,000 |
Historic Data - December 2010 | | Assets | $1.50 million | | Equity Capital | $247,000 | | Loan Loss Allowance | $31,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.89% | | Return on Assets | 0.06% | | Return on Equity | 0.4% | | Interest Income | $42,000 |
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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 Bluffton Motor Works/Franklin Elect Credit Union had $0 in non-current loans and owned real-estate with $280,000 in equity and loan loss allowances on hand to cover it. This gives Bluffton Motor Works/Franklin Elect 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, Bluffton Motor Works/Franklin Elect Credit Union has increased its total deposits by $111,000, resulting in 8.87% 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 Bluffton Motor Works/Franklin Elect 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. Bluffton Motor Works/Franklin Elect Credit Union has $1.61 million in assets with $280,000 in equity, resulting in a capitalization level of 17.35%, which is excellent. |
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