Institution Statistics
| GOLDEN | | NCUA # | 11489 | | BankRate Report | View | | Year Chartered | 1957 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $441,000 | | Loans | $169,000 | | Deposits | $300,000 | | Equity Capital | $134,000 | | Loan Loss Allowance | $6,000 |
Historic Data - December 2010 | | Assets | $341,000 | | Equity Capital | $129,000 | | Loan Loss Allowance | $9,000 | | Unbacked Noncurrent Loans | $6,000 |
Profit Margin - Quarterly | | Net Interest Margin | 13.38% | | Return on Assets | 0.68% | | Return on Equity | 2.24% | | Interest Income | $25,000 | | Non-Interest Income | $5,000 |
|
|
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 Golden Credit Union had $0 in non-current loans and owned real-estate with $140,000 in equity and loan loss allowances on hand to cover it. This gives Golden 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, Golden Credit Union has increased its total deposits by $92,000, resulting in 44.23% 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 Golden Credit Union has shown is excellent. | | 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. Golden Credit Union has $441,000 in assets with $140,000 in equity, resulting in a capitalization level of 31.75%, which is excellent. |
|
