Institution Statistics
| CABOT EMPLOYEES | | NCUA # | 62441 | | BankRate Report | View | | Year Chartered | 1956 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $2.33 million | | Loans | $866,000 | | Deposits | $2.00 million | | Equity Capital | $288,000 | | Loan Loss Allowance | $10,000 |
Historic Data - December 2010 | | Assets | $2.47 million | | Equity Capital | $272,000 | | Loan Loss Allowance | $10,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.56% | | Return on Assets | 0.73% | | Return on Equity | 5.9% | | Interest Income | $83,000 | | Non-Interest Income | $11,000 |
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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 Cabot Employees Credit Union had $0 in non-current loans and owned real-estate with $298,000 in equity and loan loss allowances on hand to cover it. This gives Cabot 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, Cabot Employees Credit Union has decreased its total deposits by $-149,000, resulting in -6.94% 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 Cabot Employees Credit Union has shown is poor. | | 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. Cabot Employees Credit Union has $2.33 million in assets with $298,000 in equity, resulting in a capitalization level of 12.79%, which is excellent. |
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