Institution Statistics
| COUNTY & MUNICIPAL EMPLOYEES | | NCUA # | 67881 | | BankRate Report | View | | Year Chartered | 1956 | | Employees | 11 | | Primary Regulator | |
Assets and Liabilities | | Assets | $32.06 million | | Loans | $26.79 million | | Deposits | $28.28 million | | Equity Capital | $3.39 million | | Loan Loss Allowance | $566,000 | | Unbacked Noncurrent Loans | $426,000 |
Historic Data - December 2010 | | Assets | $25.89 million | | Equity Capital | $2.85 million | | Loan Loss Allowance | $427,000 | | Unbacked Noncurrent Loans | $324,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.55% | | Return on Assets | 1.7% | | Return on Equity | 16.08% | | Interest Income | $2.14 million | | Non-Interest Income | $375,000 |
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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 County & Municipal Employees Credit Union had $426,000 in non-current loans and owned real-estate with $3.96 million in equity and loan loss allowances on hand to cover it. This gives County & Municipal Employees Credit Union a Texas Ratio of 10.77% 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 County & Municipal Employees Credit Union held steady from 9.90% as of December 31, 2010 to 10.77% as of December 31, 2011, resulting in a negative change of 8.75%. This indicates that the balance sheet and financial strength for County & Municipal Employees Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, County & Municipal Employees Credit Union has increased its total deposits by $5.42 million, resulting in 23.72% 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 County & Municipal Employees Credit Union 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. County & Municipal Employees Credit Union has $32.06 million in assets with $3.96 million in equity, resulting in a capitalization level of 12.34%, which is excellent. |
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