Institution Statistics
| CAANO EMPLOYEES | | NCUA # | 6508 | | BankRate Report | View | | Year Chartered | 1950 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $2.78 million | | Loans | $1.23 million | | Deposits | $2.40 million | | Equity Capital | $366,000 | | Loan Loss Allowance | $24,000 |
Historic Data - December 2010 | | Assets | $2.83 million | | Equity Capital | $396,000 | | Loan Loss Allowance | $29,000 | | Unbacked Noncurrent Loans | $78,000 |
Profit Margin - Quarterly | | Net Interest Margin | 8.77% | | Return on Assets | -1.01% | | Return on Equity | -7.65% | | Interest Income | $118,000 | | Non-Interest Income | $14,000 |
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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 Caano Employees Credit Union had $0 in non-current loans and owned real-estate with $390,000 in equity and loan loss allowances on hand to cover it. This gives Caano Employees 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, Caano Employees Credit Union has decreased its total deposits by $-20,000, resulting in -0.83% 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 Caano Employees 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. Caano Employees Credit Union has $2.78 million in assets with $390,000 in equity, resulting in a capitalization level of 14.05%, which is excellent. |
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