Institution Statistics
| CLAY COUNTY FARM BUREAU CO-OP | | NCUA # | 82754 | | BankRate Report | View | | Year Chartered | 1937 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $8.06 million | | Loans | $3.42 million | | Deposits | $6.87 million | | Equity Capital | $1.19 million | | Loan Loss Allowance | $23,000 |
Historic Data - December 2010 | | Assets | $7.16 million | | Equity Capital | $1.13 million | | Loan Loss Allowance | $12,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.6% | | Return on Assets | 0.68% | | Return on Equity | 4.64% | | Interest Income | $209,000 | | Non-Interest Income | $1,000 |
|
|
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 Clay County Farm Bureau Co-Op Credit Union had $0 in non-current loans and owned real-estate with $1.21 million in equity and loan loss allowances on hand to cover it. This gives Clay County Farm Bureau Co-Op 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, Clay County Farm Bureau Co-Op Credit Union has increased its total deposits by $851,000, resulting in 14.14% 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 Clay County Farm Bureau Co-Op 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. Clay County Farm Bureau Co-Op Credit Union has $8.06 million in assets with $1.21 million in equity, resulting in a capitalization level of 15.00%, which is excellent. |
|
