Institution Statistics
| NCUA # | 63389 | | BankRate Report | View | | Year Established | 1935 | | Employees | 18 | | Primary Regulator | |
Assets and Liabilities | | Assets | $50.41 million | | Loans | $20.47 million | | Deposits | $45.32 million | | Equity Capital | $4.95 million | | Loan Loss Allowance | $133,000 | | Unbacked Noncurrent Loans | $164,000 |
Historic Data - March 2009 | | Assets | $51.04 million | | Equity Capital | $4.54 million | | Loan Loss Allowance | $86,000 | | Unbacked Noncurrent Loans | $115,000 |
Profit Margin - Quarterly | | Net Interest Margin | 1.34% | | Return on Assets | 1.29% | | Return on Equity | 13.11% | | Interest Income | $517,000 | | Non-Interest Income | $132,000 |
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Institution Health
Overall Score:
4 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 March 1, 2010 Community Financial CU had $164,000 in non-current loans and owned real-estate with $5.08 million in equity and loan loss allowances on hand to cover it. This gives Community Financial CU a Texas Ratio of 3.23% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Community Financial CU increased slightly from 2.49% as of March 1, 2009 to 3.23% as of March 1, 2010, resulting in a negative change of 29.71%. This indicates that the balance sheet and financial strength for Community Financial CU has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Community Financial CU has increased it's total deposits by $4.14 million, resulting in 10.06% 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 Community Financial CU 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. Community Financial CU has $50.41 million in assets with $5.08 million in equity, resulting in a capitalization level of 10.09%, which is below average. |
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