Institution Statistics
| F.F.E. | | NCUA # | 9102 | | BankRate Report | View | | Year Chartered | 1954 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $4.55 million | | Loans | $1.24 million | | Deposits | $4.10 million | | Equity Capital | $449,000 | | Loan Loss Allowance | $18,000 | | Unbacked Noncurrent Loans | $4,000 |
Historic Data - December 2010 | | Assets | $4.51 million | | Equity Capital | $433,000 | | Loan Loss Allowance | $17,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.4% | | Return on Assets | 0.33% | | Return on Equity | 3.34% | | Interest Income | $139,000 | | Non-Interest Income | $1,000 |
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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 F.F.E. Credit Union had $4,000 in non-current loans and owned real-estate with $467,000 in equity and loan loss allowances on hand to cover it. This gives F.F.E. Credit Union a Texas Ratio of 0.86% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, F.F.E. Credit Union has increased its total deposits by $23,000, resulting in 0.56% 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 F.F.E. 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. F.F.E. Credit Union has $4.55 million in assets with $467,000 in equity, resulting in a capitalization level of 10.26%, which is above average. |
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