Institution Statistics
| E.S.A. | | NCUA # | 82514 | | BankRate Report | View | | Year Chartered | 1940 | | Employees | 4 | | Primary Regulator | |
Assets and Liabilities | | Assets | $5.59 million | | Loans | $2.83 million | | Deposits | $5.05 million | | Equity Capital | $498,000 | | Loan Loss Allowance | $189,000 | | Unbacked Noncurrent Loans | $141,000 |
Historic Data - December 2010 | | Assets | $4.89 million | | Equity Capital | $531,000 | | Loan Loss Allowance | $12,000 |
Profit Margin - Quarterly | | Net Interest Margin | 8% | | Return on Assets | -2.36% | | Return on Equity | -26.51% | | Interest Income | $262,000 | | Non-Interest Income | $92,000 |
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Institution Health
Overall Score:
4 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 E.S.A. Credit Union had $141,000 in non-current loans and owned real-estate with $687,000 in equity and loan loss allowances on hand to cover it. This gives E.S.A. Credit Union a Texas Ratio of 20.52% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, E.S.A. Credit Union has increased its total deposits by $709,000, resulting in 16.35% 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 E.S.A. 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. E.S.A. Credit Union has $5.58 million in assets with $687,000 in equity, resulting in a capitalization level of 12.30%, which is excellent. |
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