Institution Statistics
| ENCORE | | NCUA # | 5590 | | BankRate Report | View | | Year Chartered | 1947 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $39.27 million | | Loans | $7.33 million | | Deposits | $34.17 million | | Equity Capital | $5.09 million | | Loan Loss Allowance | $37,000 |
Historic Data - December 2010 | | Assets | $38.21 million | | Equity Capital | $4.85 million | | Loan Loss Allowance | $36,000 | | Unbacked Noncurrent Loans | $5,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.17% | | Return on Assets | 0.61% | | Return on Equity | 4.72% | | Interest Income | $1.02 million | | Non-Interest Income | $20,000 |
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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 Encore Credit Union had $0 in non-current loans and owned real-estate with $5.13 million in equity and loan loss allowances on hand to cover it. This gives Encore 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, Encore Credit Union has increased its total deposits by $807,000, resulting in 2.42% 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 Encore Credit Union has shown is above 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. Encore Credit Union has $39.27 million in assets with $5.13 million in equity, resulting in a capitalization level of 13.06%, which is excellent. |
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