Institution Statistics
| CLEMENTS | | NCUA # | 13998 | | BankRate Report | View | | Year Chartered | 1960 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $391,000 | | Loans | $158,000 | | Deposits | $321,000 | | Equity Capital | $69,000 | | Loan Loss Allowance | $1,000 |
Historic Data - December 2010 | | Assets | $395,000 | | Equity Capital | $76,000 | | Loan Loss Allowance | $1,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.02% | | Return on Assets | -1.53% | | Return on Equity | -8.7% | | Interest Income | $12,000 | | Non-Interest Income | $2,000 |
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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 Clements Credit Union had $0 in non-current loans and owned real-estate with $70,000 in equity and loan loss allowances on hand to cover it. This gives Clements 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, Clements Credit Union has increased its total deposits by $3,000, resulting in 0.94% 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 Clements Credit Union has shown is average. | | 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. Clements Credit Union has $391,000 in assets with $70,000 in equity, resulting in a capitalization level of 17.90%, which is excellent. |
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