Institution Statistics
| ELECTRICAL INSPECTORS | | NCUA # | 22580 | | BankRate Report | View | | Year Chartered | 1976 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $64,000 | | Loans | $8,000 | | Deposits | $44,000 | | Equity Capital | $18,000 | | Loan Loss Allowance | $1,000 |
Historic Data - December 2010 | | Assets | $65,000 | | Equity Capital | $20,000 | | Loan Loss Allowance | $1,000 | | Unbacked Noncurrent Loans | $1,000 |
Profit Margin - Quarterly | | Net Interest Margin | 0% | | Return on Assets | -3.13% | | Return on Equity | -11.11% |
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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 Electrical Inspectors Credit Union had $0 in non-current loans and owned real-estate with $19,000 in equity and loan loss allowances on hand to cover it. This gives Electrical Inspectors 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, Electrical Inspectors Credit Union has increased its total deposits by $0, resulting in 0% 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 Electrical Inspectors 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. Electrical Inspectors Credit Union has $64,000 in assets with $19,000 in equity, resulting in a capitalization level of 29.69%, which is excellent. |
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