Institution Statistics
| BOOTSTRAP, (C/O COMMONWEALTH OF PR) | | NCUA # | 16532 | | BankRate Report | View | | Year Chartered | 1964 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $967,000 | | Loans | $41,000 | | Deposits | $882,000 | | Equity Capital | $79,000 | | Loan Loss Allowance | $2,000 |
Historic Data - December 2010 | | Assets | $982,000 | | Equity Capital | $84,000 | | Loan Loss Allowance | $2,000 |
Profit Margin - Quarterly | | Net Interest Margin | 8.51% | | Return on Assets | -0.52% | | Return on Equity | -6.33% | | Interest Income | $19,000 |
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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 Bootstrap, (C/O Commonwealth Of Pr) Credit Union had $0 in non-current loans and owned real-estate with $81,000 in equity and loan loss allowances on hand to cover it. This gives Bootstrap, (C/O Commonwealth Of Pr) 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, Bootstrap, (C/O Commonwealth Of Pr) Credit Union has decreased its total deposits by $-8,000, resulting in -0.9% 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 Bootstrap, (C/O Commonwealth Of Pr) 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. Bootstrap, (C/O Commonwealth Of Pr) Credit Union has $967,000 in assets with $81,000 in equity, resulting in a capitalization level of 8.38%, which is average. |
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