Community Trust Credit Union

Community Trust Credit Union Locations
825 S Park Ave
Apopka, FL 32703

NCUA


Community Trust Credit Union is headquartered in Apopka and is the 144th largest credit union in the state of Florida. It is also the 5,220th largest credit union in the nation. It was established in 1982 and as of December of 2012, it had grown to 3 employees and 2,548 members. Community Trust Credit Union has a 4-star health rating.

Related Posts

Competitive 12-Month and 18-Month CD Rates at Community Trust Credit Union in California - Local Only - 2/11/2010

Community Trust Credit Union is offering some competitive CD and IRA CD rates. These include a 2.07% APY 12-month CD, a 2.17% APY 18-month CD and a 2.33% APY 24-month CD. Minimum deposit is $2,500. T ...


Data for Q4 2012


Institution Statistics


COMMUNITY TRUST
NCUA #23948
BankRate ReportView
Year Chartered1982
Employees3
Primary Regulator

Assets and Liabilities

Assets$6.02 million
Loans$3.51 million
Deposits$5.52 million
Equity Capital$447,000
Secondary Capital$20,000
Loan Loss Allowance$55,000
Unbacked Noncurrent Loans$102,000

Historic Data - December 2011

Assets$5.59 million
Equity Capital$432,000
Loan Loss Allowance$126,000
Unbacked Noncurrent Loans$86,000

Profit Margin - Quarterly

Net Interest Margin6.84%
Return on Assets0.25%
Return on Equity3.36%
Interest Income$250,000
Non-Interest Income$72,000

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
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, 2012 Community Trust Credit Union had $102,000 in non-current loans and owned real-estate with $522,000 in equity and loan loss allowances on hand to cover it. This gives Community Trust Credit Union a Texas Ratio of 19.54% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Community Trust Credit Union held steady from 15.41% as of December 31, 2011 to 19.54% as of December 31, 2012, resulting in a negative change of 26.78%. This indicates that the balance sheet and financial strength for Community Trust Credit Union has held steady in recent periods.
Deposit Growth5
In the past year, Community Trust Credit Union has increased its total deposits by $421,000, resulting in 8.26% 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 Trust Credit Union has shown is excellent.
Capitalization3
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 Trust Credit Union has $6.02 million in assets with $502,000 in equity, resulting in a capitalization level of 8.34%, which is average.
Write Review

No reviews have been left for this bank yet. Be the first to review.