Institution Statistics
| C-F LA. | | NCUA # | 63851 | | BankRate Report | View | | Year Chartered | 1977 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $8.10 million | | Loans | $3.86 million | | Deposits | $7.09 million | | Equity Capital | $1.01 million | | Loan Loss Allowance | $8,000 |
Historic Data - December 2010 | | Assets | $7.68 million | | Equity Capital | $1.02 million | | Loan Loss Allowance | $8,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4% | | Return on Assets | 0% | | Return on Equity | 0% | | Interest Income | $196,000 |
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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-F La. Credit Union had $0 in non-current loans and owned real-estate with $1.02 million in equity and loan loss allowances on hand to cover it. This gives C-F La. 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-F La. Credit Union has increased its total deposits by $428,000, resulting in 6.43% 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-F La. Credit Union has shown is excellent. | | 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-F La. Credit Union has $8.1 million in assets with $1.02 million in equity, resulting in a capitalization level of 12.57%, which is excellent. |
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