Institution Statistics
| CTK | | NCUA # | 68533 | | BankRate Report | View | | Year Chartered | 2004 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $485,000 | | Loans | $235,000 | | Deposits | $419,000 | | Equity Capital | $65,000 | | Loan Loss Allowance | $4,000 | | Unbacked Noncurrent Loans | $22,000 |
Historic Data - December 2010 | | Assets | $470,000 | | Equity Capital | $58,000 | | Loan Loss Allowance | $4,000 |
Profit Margin - Quarterly | | Net Interest Margin | 11.81% | | Return on Assets | 1.44% | | Return on Equity | 10.77% | | Interest Income | $30,000 | | Non-Interest Income | $10,000 |
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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 Ctk Credit Union had $22,000 in non-current loans and owned real-estate with $69,000 in equity and loan loss allowances on hand to cover it. This gives Ctk Credit Union a Texas Ratio of 31.88% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Ctk Credit Union has increased its total deposits by $7,000, resulting in 1.7% 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 Ctk Credit Union 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. Ctk Credit Union has $485,000 in assets with $69,000 in equity, resulting in a capitalization level of 14.23%, which is excellent. |
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