Institution Statistics
| FRANKLIN-ST. JOHNS | | NCUA # | 68249 | | BankRate Report | View | | Year Chartered | 1997 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $232,000 | | Loans | $127,000 | | Deposits | $190,000 | | Equity Capital | $42,000 | | Loan Loss Allowance | $14,000 |
Historic Data - December 2010 | | Assets | $225,000 | | Equity Capital | $40,000 | | Loan Loss Allowance | $14,000 |
Profit Margin - Quarterly | | Net Interest Margin | 10.24% | | Return on Assets | 2.16% | | Return on Equity | 11.9% | | Interest Income | $13,000 | | Non-Interest Income | $2,000 |
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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 Franklin-St. Johns Credit Union had $0 in non-current loans and owned real-estate with $56,000 in equity and loan loss allowances on hand to cover it. This gives Franklin-St. Johns Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Franklin-St. Johns Credit Union has increased its total deposits by $6,000, resulting in 3.26% 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 Franklin-St. Johns 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. Franklin-St. Johns Credit Union has $232,000 in assets with $56,000 in equity, resulting in a capitalization level of 24.14%, which is excellent. |
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