Institution Statistics
| C U P | | NCUA # | 13833 | | BankRate Report | View | | Year Chartered | 1960 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $6.76 million | | Loans | $4.55 million | | Deposits | $5.76 million | | Equity Capital | $978,000 | | Loan Loss Allowance | $17,000 |
Historic Data - December 2010 | | Assets | $6.66 million | | Equity Capital | $972,000 | | Loan Loss Allowance | $22,000 | | Unbacked Noncurrent Loans | $15,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.49% | | Return on Assets | 0.07% | | Return on Equity | 0.51% | | Interest Income | $241,000 | | Non-Interest Income | $6,000 |
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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 C U P Credit Union had $0 in non-current loans and owned real-estate with $995,000 in equity and loan loss allowances on hand to cover it. This gives C U P 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, C U P Credit Union has increased its total deposits by $107,000, resulting in 1.89% 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 C U P Credit Union has shown is above 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. C U P Credit Union has $6.76 million in assets with $995,000 in equity, resulting in a capitalization level of 14.71%, which is excellent. |
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