Institution Statistics
| CHESHIRE HEALTH | | NCUA # | 16608 | | BankRate Report | View | | Year Chartered | 1965 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $3.22 million | | Loans | $983,000 | | Deposits | $2.91 million | | Equity Capital | $289,000 | | Loan Loss Allowance | $5,000 | | Unbacked Noncurrent Loans | $4,000 |
Historic Data - December 2010 | | Assets | $2.85 million | | Equity Capital | $298,000 | | Loan Loss Allowance | $7,000 |
Profit Margin - Quarterly | | Net Interest Margin | 8.17% | | Return on Assets | -0.22% | | Return on Equity | -2.42% | | Interest Income | $94,000 | | Non-Interest Income | $75,000 |
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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 Cheshire Health Credit Union had $4,000 in non-current loans and owned real-estate with $294,000 in equity and loan loss allowances on hand to cover it. This gives Cheshire Health Credit Union a Texas Ratio of 1.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Cheshire Health Credit Union has increased its total deposits by $369,000, resulting in 14.53% 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 Cheshire Health 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. Cheshire Health Credit Union has $3.22 million in assets with $294,000 in equity, resulting in a capitalization level of 9.13%, which is average. |
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