Institution Statistics
| BUFFALO & ERIE CNTY PUB LIBRARY EMP | | NCUA # | 3362 | | BankRate Report | View | | Year Chartered | 1939 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.20 million | | Loans | $134,000 | | Deposits | $1.07 million | | Equity Capital | $131,000 | | Loan Loss Allowance | $2,000 | | Unbacked Noncurrent Loans | $12,000 |
Historic Data - December 2010 | | Assets | $1.23 million | | Equity Capital | $150,000 | | Loan Loss Allowance | $1,000 |
Profit Margin - Quarterly | | Net Interest Margin | 10.26% | | Return on Assets | -1.58% | | Return on Equity | -14.5% | | Interest Income | $22,000 |
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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 Buffalo & Erie Cnty Pub Library Emp Credit Union had $12,000 in non-current loans and owned real-estate with $133,000 in equity and loan loss allowances on hand to cover it. This gives Buffalo & Erie Cnty Pub Library Emp Credit Union a Texas Ratio of 9.02% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Buffalo & Erie Cnty Pub Library Emp Credit Union has increased its total deposits by $2,000, resulting in 0.19% 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 Buffalo & Erie Cnty Pub Library Emp 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. Buffalo & Erie Cnty Pub Library Emp Credit Union has $1.2 million in assets with $133,000 in equity, resulting in a capitalization level of 11.06%, which is above average. |
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