Institution Statistics
| ELLIS | | NCUA # | 67797 | | BankRate Report | View | | Year Chartered | 1952 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $5.56 million | | Loans | $2.33 million | | Deposits | $4.88 million | | Equity Capital | $667,000 | | Loan Loss Allowance | $18,000 | | Unbacked Noncurrent Loans | $39,000 |
Historic Data - December 2010 | | Assets | $5.19 million | | Equity Capital | $655,000 | | Loan Loss Allowance | $22,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.96% | | Return on Assets | 0.27% | | Return on Equity | 2.25% | | Interest Income | $157,000 | | Non-Interest Income | $11,000 |
|
|
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 Ellis Credit Union had $39,000 in non-current loans and owned real-estate with $685,000 in equity and loan loss allowances on hand to cover it. This gives Ellis Credit Union a Texas Ratio of 5.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Ellis Credit Union has increased its total deposits by $356,000, resulting in 7.86% 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 Ellis 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. Ellis Credit Union has $5.56 million in assets with $685,000 in equity, resulting in a capitalization level of 12.33%, which is excellent. |
|
