Institution Statistics
| CHEM FAMILY | | NCUA # | 61055 | | BankRate Report | View | | Year Chartered | 1928 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $6.33 million | | Loans | $1.75 million | | Deposits | $5.33 million | | Equity Capital | $999,000 | | Loan Loss Allowance | $15,000 |
Historic Data - December 2010 | | Assets | $5.96 million | | Equity Capital | $977,000 | | Loan Loss Allowance | $15,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.61% | | Return on Assets | 0.36% | | Return on Equity | 2.3% | | 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 Chem Family Credit Union had $0 in non-current loans and owned real-estate with $1.01 million in equity and loan loss allowances on hand to cover it. This gives Chem Family 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, Chem Family Credit Union has increased its total deposits by $345,000, resulting in 6.92% 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 Chem Family 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. Chem Family Credit Union has $6.33 million in assets with $1.01 million in equity, resulting in a capitalization level of 16.02%, which is excellent. |
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