Institution Statistics
| DAKOTA TELCO | | NCUA # | 1862 | | BankRate Report | View | | Year Chartered | 1936 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $18.55 million | | Loans | $1.31 million | | Deposits | $16.15 million | | Equity Capital | $2.40 million | | Loan Loss Allowance | $8,000 |
Historic Data - December 2010 | | Assets | $16.19 million | | Equity Capital | $2.36 million | | Loan Loss Allowance | $9,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.2% | | Return on Assets | 0.19% | | Return on Equity | 1.46% | | Interest Income | $354,000 |
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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 Dakota Telco Credit Union had $0 in non-current loans and owned real-estate with $2.41 million in equity and loan loss allowances on hand to cover it. This gives Dakota Telco 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, Dakota Telco Credit Union has increased its total deposits by $2.32 million, resulting in 16.74% 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 Dakota Telco 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. Dakota Telco Credit Union has $18.55 million in assets with $2.41 million in equity, resulting in a capitalization level of 12.97%, which is excellent. |
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