Institution Statistics
| DIAL | | NCUA # | 64247 | | BankRate Report | View | | Year Chartered | 1931 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $8.65 million | | Loans | $3.00 million | | Deposits | $7.32 million | | Equity Capital | $1.31 million | | Loan Loss Allowance | $20,000 | | Unbacked Noncurrent Loans | $74,000 |
Historic Data - December 2010 | | Assets | $8.54 million | | Equity Capital | $1.23 million | | Loan Loss Allowance | $23,000 | | Unbacked Noncurrent Loans | $60,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.8% | | Return on Assets | 0.67% | | Return on Equity | 4.42% | | Interest Income | $404,000 | | Non-Interest Income | $35,000 |
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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 Dial Credit Union had $74,000 in non-current loans and owned real-estate with $1.33 million in equity and loan loss allowances on hand to cover it. This gives Dial Credit Union a Texas Ratio of 5.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Dial Credit Union held steady from 4.79% as of December 31, 2010 to 5.56% as of December 31, 2011, resulting in a negative change of 16.01%. This indicates that the balance sheet and financial strength for Dial Credit Union has held steady in recent periods. | | Deposit Growth | | | In the past year, Dial Credit Union has increased its total deposits by $32,000, resulting in 0.44% 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 Dial Credit Union has shown is 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. Dial Credit Union has $8.65 million in assets with $1.33 million in equity, resulting in a capitalization level of 15.38%, which is excellent. |
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