Institution Statistics
| FAMILY COMMUNITY | | NCUA # | 62560 | | BankRate Report | View | | Year Chartered | 1957 | | Employees | 13 | | Primary Regulator | |
Assets and Liabilities | | Assets | $35.31 million | | Loans | $10.36 million | | Deposits | $30.58 million | | Equity Capital | $4.59 million | | Loan Loss Allowance | $70,000 | | Unbacked Noncurrent Loans | $50,000 |
Historic Data - December 2010 | | Assets | $35.30 million | | Equity Capital | $4.78 million | | Loan Loss Allowance | $30,000 | | Unbacked Noncurrent Loans | $45,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.04% | | Return on Assets | -0.55% | | Return on Equity | -4.2% | | Interest Income | $1.00 million | | Non-Interest Income | $444,000 |
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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 Family Community Credit Union had $50,000 in non-current loans and owned real-estate with $4.66 million in equity and loan loss allowances on hand to cover it. This gives Family Community Credit Union a Texas Ratio of 1.07% 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 Family Community Credit Union held steady from 0.93% as of December 31, 2010 to 1.07% as of December 31, 2011, resulting in a negative change of 14.76%. This indicates that the balance sheet and financial strength for Family Community Credit Union has held steady in recent periods. | | Deposit Growth | | | In the past year, Family Community Credit Union has increased its total deposits by $212,000, resulting in 0.7% 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 Family Community 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. Family Community Credit Union has $35.31 million in assets with $4.66 million in equity, resulting in a capitalization level of 13.20%, which is excellent. |
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