Institution Statistics
| FCAMEC | | NCUA # | 22380 | | BankRate Report | View | | Year Chartered | 1976 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.77 million | | Loans | $1.13 million | | Deposits | $1.65 million | | Equity Capital | $120,000 | | Loan Loss Allowance | $25,000 | | Unbacked Noncurrent Loans | $5,000 |
Historic Data - December 2010 | | Assets | $1.73 million | | Equity Capital | $112,000 | | Loan Loss Allowance | $24,000 |
Profit Margin - Quarterly | | Net Interest Margin | 9.42% | | Return on Assets | 0.39% | | Return on Equity | 5.83% | | Interest Income | $119,000 | | Non-Interest Income | $34,000 |
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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 Fcamec Credit Union had $5,000 in non-current loans and owned real-estate with $145,000 in equity and loan loss allowances on hand to cover it. This gives Fcamec Credit Union a Texas Ratio of 3.45% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Fcamec Credit Union has increased its total deposits by $35,000, resulting in 2.17% 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 Fcamec 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. Fcamec Credit Union has $1.77 million in assets with $145,000 in equity, resulting in a capitalization level of 8.17%, which is average. |
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