Institution Statistics
| GOODYEAR EMPLOYEES | | NCUA # | 96718 | | BankRate Report | View | | Year Chartered | 1961 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $3.85 million | | Loans | $1.36 million | | Deposits | $2.91 million | | Equity Capital | $931,000 | | Loan Loss Allowance | $16,000 |
Historic Data - December 2010 | | Assets | $3.62 million | | Equity Capital | $923,000 | | Loan Loss Allowance | $17,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.54% | | Return on Assets | 0.13% | | Return on Equity | 0.54% | | Interest Income | $121,000 | | Non-Interest Income | $13,000 |
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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 Goodyear Employees Credit Union had $0 in non-current loans and owned real-estate with $947,000 in equity and loan loss allowances on hand to cover it. This gives Goodyear Employees 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, Goodyear Employees Credit Union has increased its total deposits by $218,000, resulting in 8.09% 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 Goodyear Employees 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. Goodyear Employees Credit Union has $3.85 million in assets with $947,000 in equity, resulting in a capitalization level of 24.62%, which is excellent. |
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