Institution Statistics
| CY-CO | | NCUA # | 23597 | | BankRate Report | View | | Year Chartered | 1980 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $4.78 million | | Loans | $2.26 million | | Deposits | $4.37 million | | Equity Capital | $302,000 | | Loan Loss Allowance | $47,000 | | Unbacked Noncurrent Loans | $74,000 |
Historic Data - December 2010 | | Assets | $4.46 million | | Equity Capital | $373,000 | | Loan Loss Allowance | $54,000 | | Unbacked Noncurrent Loans | $58,000 |
Profit Margin - Quarterly | | Net Interest Margin | 9.08% | | Return on Assets | -1.49% | | Return on Equity | -23.51% | | Interest Income | $236,000 | | Non-Interest Income | $67,000 |
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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 Cy-Co Credit Union had $74,000 in non-current loans and owned real-estate with $349,000 in equity and loan loss allowances on hand to cover it. This gives Cy-Co Credit Union a Texas Ratio of 21.20% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Cy-Co Credit Union increased slightly from 13.58% as of December 31, 2010 to 21.20% as of December 31, 2011, resulting in a negative change of 56.10%. This indicates that the balance sheet and financial strength for Cy-Co Credit Union has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Cy-Co Credit Union has increased its total deposits by $393,000, resulting in 9.88% 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 Cy-Co 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. Cy-Co Credit Union has $4.78 million in assets with $349,000 in equity, resulting in a capitalization level of 7.31%, which is below average. |
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