Institution Statistics
| COMMUNITY HEALTHCARE | | NCUA # | 12847 | | BankRate Report | View | | Year Chartered | 1959 | | Employees | 6 | | Primary Regulator | |
Assets and Liabilities | | Assets | $11.62 million | | Loans | $6.54 million | | Deposits | $10.62 million | | Equity Capital | $699,000 | | Loan Loss Allowance | $330,000 | | Unbacked Noncurrent Loans | $151,000 |
Historic Data - December 2010 | | Assets | $12.54 million | | Equity Capital | $661,000 | | Loan Loss Allowance | $385,000 | | Unbacked Noncurrent Loans | $171,000 |
Profit Margin - Quarterly | | Net Interest Margin | 8.26% | | Return on Assets | 0.34% | | Return on Equity | 5.58% | | Interest Income | $682,000 | | Non-Interest Income | $241,000 |
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Institution Health
Overall Score:
3 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 Community Healthcare CU (WA) had $151,000 in non-current loans and owned real-estate with $1.03 million in equity and loan loss allowances on hand to cover it. This gives Community Healthcare CU (WA) a Texas Ratio of 14.67% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Community Healthcare CU (WA) held steady from 16.35% as of December 31, 2010 to 14.67% as of December 31, 2011, resulting in a positive change of 10.24%.This indicates that the balance sheet and financial strength for Community Healthcare CU (WA) has held steady in recent periods. | | Deposit Growth |  | | In the past year, Community Healthcare CU (WA) has decreased its total deposits by -$1 million, resulting in -8.65% 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 Healthcare CU (WA) has shown is poor. | | 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 Healthcare CU (WA) has $11.62 million in assets with $1.03 million in equity, resulting in a capitalization level of 8.85%, which is average. |
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