Institution Statistics
| COAST-TEL | | NCUA # | 13090 | | BankRate Report | View | | Year Chartered | 1959 | | Employees | 4 | | Primary Regulator | |
Assets and Liabilities | | Assets | $14.70 million | | Loans | $7.19 million | | Deposits | $13.77 million | | Equity Capital | $783,000 | | Loan Loss Allowance | $68,000 | | Unbacked Noncurrent Loans | $28,000 | | Real Estate Owned | $325,000 |
Historic Data - December 2010 | | Assets | $15.30 million | | Equity Capital | $936,000 | | Loan Loss Allowance | $66,000 | | Unbacked Noncurrent Loans | $70,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.56% | | Return on Assets | -1.03% | | Return on Equity | -19.28% | | Interest Income | $565,000 | | Non-Interest Income | $110,000 |
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Institution Health
Overall Score:
2 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 Coast-Tel Credit Union had $353,000 in non-current loans and owned real-estate with $851,000 in equity and loan loss allowances on hand to cover it. This gives Coast-Tel Credit Union a Texas Ratio of 41.48% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Coast-Tel Credit Union increased slightly from 6.99% as of December 31, 2010 to 41.48% as of December 31, 2011, resulting in a negative change of 493.77%. This indicates that the balance sheet and financial strength for Coast-Tel Credit Union has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Coast-Tel Credit Union has decreased its total deposits by $-494,000, resulting in -3.46% 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 Coast-Tel Credit Union has shown is below 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. Coast-Tel Credit Union has $14.7 million in assets with $851,000 in equity, resulting in a capitalization level of 5.79%, which is below average. |
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