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Overview / Commentary
P.O. Box 194
Santa Clara, NM 88026

Fort Bayard Credit Union is headquartered in SANTA CLARA and is the 42nd largest credit union in the state of New Mexico. It is also the 5,335th largest credit union in the nation. It was established in 1936 and as of December of 2013, it had grown to 2 employees and 1,238 members. Fort Bayard Credit Union has a C+ health rating.

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Health

Data for Q4 2013

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Fort Bayard Credit Union has a very low asset base.

Texas Ratio

GRADE:
A

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, 2013 Fort Bayard Credit Union had $99,000 in non-current loans and owned real-estate with $1.2 million in equity and loan loss allowances on hand to cover it. This gives Fort Bayard Credit Union a Texas Ratio of 8.24% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Fort Bayard Credit Union experienced no significant changes from 3.82% as of December 31, 2012 to 8.24% as of December 31, 2013, resulting in a negative change of 115.64%. This indicates that the balance sheet and financial strength for Fort Bayard Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Fort Bayard Credit Union has increased its total deposits by $65,000, resulting in 1.92% 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 Fort Bayard Credit Union has shown is above average.

Capitalization

GRADE:
A+

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. Fort Bayard Credit Union has $4.68 million in assets with $1.2 million in equity, resulting in a capitalization level of 25.69%, which is excellent.

Institution Statistics

Overall
NCUA #1838
Year Chartered1936
Employees2
Primary Regulator
Assets and Liabilities
Assets$4.68 million
Loans$3.59 million
Deposits$3.46 million
Equity Capital$1.17 million
Loan Loss Allowance$35,000
Unbacked Noncurrent Loans$99,000
Real Estate Owned$0
Historic Data - December 2012
Assets$4.54 million
Equity Capital$1.12 million
Loan Loss Allowance$35,000
Unbacked Noncurrent Loans$99,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin7.16%
Return on Assets1.07%
Return on Equity4.28%
Interest Income$267,000
Rates

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Locations


Fort Bayard Credit Union Locations
Branch Office11797 HIGHWAY 180 ESILVER CITY, NM 88022