Institution Statistics
| CVPS EMPLOYEES' | | NCUA # | 63852 | | BankRate Report | View | | Year Chartered | 1974 | | Employees | 5 | | Primary Regulator | |
Assets and Liabilities | | Assets | $16.85 million | | Loans | $2.92 million | | Deposits | $15.51 million | | Equity Capital | $1.34 million | | Loan Loss Allowance | $6,000 |
Historic Data - December 2010 | | Assets | $18.51 million | | Equity Capital | $1.54 million | | Loan Loss Allowance | $5,000 | | Unbacked Noncurrent Loans | $12,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.59% | | Return on Assets | -1.16% | | Return on Equity | -14.58% | | Interest Income | $330,000 | | Non-Interest Income | $51,000 |
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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 CVPS Employees' Credit Union had $0 in non-current loans and owned real-estate with $1.35 million in equity and loan loss allowances on hand to cover it. This gives CVPS Employees' Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, CVPS Employees' Credit Union has decreased its total deposits by -$1.46 million, resulting in -8.59% 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 CVPS Employees' Credit Union 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. CVPS Employees' Credit Union has $16.85 million in assets with $1.35 million in equity, resulting in a capitalization level of 8.01%, which is average. |
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