Institution Statistics
| CREDIT UNION FOR ROBERTSON COUNTY | | NCUA # | 67741 | | BankRate Report | View | | Year Chartered | 1968 | | Employees | 21 | | Primary Regulator | |
Assets and Liabilities | | Assets | $35.43 million | | Loans | $25.18 million | | Deposits | $31.27 million | | Equity Capital | $3.95 million | | Loan Loss Allowance | $550,000 | | Unbacked Noncurrent Loans | $581,000 | | Real Estate Owned | $60,000 |
Historic Data - December 2010 | | Assets | $34.88 million | | Equity Capital | $3.70 million | | Loan Loss Allowance | $396,000 | | Unbacked Noncurrent Loans | $616,000 | | Real Estate Owned | $66,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.46% | | Return on Assets | 0.72% | | Return on Equity | 6.45% | | Interest Income | $2.27 million | | Non-Interest Income | $837,000 |
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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 December 31, 2011 Credit Union For Robertson County had $641,000 in non-current loans and owned real-estate with $4.5 million in equity and loan loss allowances on hand to cover it. This gives Credit Union For Robertson County a Texas Ratio of 14.23% 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 Credit Union For Robertson County held steady from 16.66% as of December 31, 2010 to 14.23% as of December 31, 2011, resulting in a positive change of 14.57%.This indicates that the balance sheet and financial strength for Credit Union For Robertson County has held steady in recent periods. | | Deposit Growth | | | In the past year, Credit Union For Robertson County has increased its total deposits by $706,000, resulting in 2.31% 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 Credit Union For Robertson County has shown is above 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. Credit Union For Robertson County has $35.42 million in assets with $4.5 million in equity, resulting in a capitalization level of 12.71%, which is excellent. |
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