Institution Statistics
| DUPONT COMMUNITY | | NCUA # | 67747 | | BankRate Report | View | | Year Chartered | 1954 | | Employees | 38 | | Primary Regulator | |
Assets and Liabilities | | Assets | $99.43 million | | Loans | $54.42 million | | Deposits | $85.80 million | | Equity Capital | $13.20 million | | Loan Loss Allowance | $327,000 | | Unbacked Noncurrent Loans | $301,000 | | Real Estate Owned | $121,000 |
Historic Data - December 2010 | | Assets | $93.55 million | | Equity Capital | $12.81 million | | Loan Loss Allowance | $252,000 | | Unbacked Noncurrent Loans | $240,000 | | Real Estate Owned | $121,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.01% | | Return on Assets | 0.39% | | Return on Equity | 2.93% | | Interest Income | $3.38 million | | Non-Interest Income | $755,000 |
|
|
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 Dupont Community CU (TN) had $422,000 in non-current loans and owned real-estate with $13.52 million in equity and loan loss allowances on hand to cover it. This gives Dupont Community CU (TN) a Texas Ratio of 3.12% 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 Dupont Community CU (TN) held steady from 2.76% as of December 31, 2010 to 3.12% as of December 31, 2011, resulting in a negative change of 12.90%. This indicates that the balance sheet and financial strength for Dupont Community CU (TN) has held steady in recent periods. | | Deposit Growth | | | In the past year, Dupont Community CU (TN) has increased its total deposits by $5.33 million, resulting in 6.62% 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 Dupont Community CU (TN) 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. Dupont Community CU (TN) has $99.43 million in assets with $13.52 million in equity, resulting in a capitalization level of 13.60%, which is excellent. |
|
