Institution Statistics
| SUNRISE | | NCUA # | 66650 | | BankRate Report | View | | Year Chartered | 1950 | | Employees | 7 | | Primary Regulator | |
Assets and Liabilities | | Assets | $18.62 million | | Loans | $12.94 million | | Deposits | $17.56 million | | Equity Capital | $993,000 | | Loan Loss Allowance | $581,000 | | Unbacked Noncurrent Loans | $776,000 | | Real Estate Owned | $315,000 |
Historic Data - December 2010 | | Assets | $19.55 million | | Equity Capital | $1.15 million | | Loan Loss Allowance | $430,000 | | Unbacked Noncurrent Loans | $621,000 | | Real Estate Owned | $315,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.57% | | Return on Assets | -1.1% | | Return on Equity | -20.54% | | Interest Income | $822,000 | | Non-Interest Income | ($30,000) |
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Institution Health
Overall Score:
2 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 Sunrise Credit Union had $1.09 million in non-current loans and owned real-estate with $1.57 million in equity and loan loss allowances on hand to cover it. This gives Sunrise Credit Union a Texas Ratio of 69.31% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Sunrise Credit Union increased slightly from 59.09% as of December 31, 2010 to 69.31% as of December 31, 2011, resulting in a negative change of 17.30%. This indicates that the balance sheet and financial strength for Sunrise Credit Union has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Sunrise Credit Union has decreased its total deposits by $-657,000, resulting in -3.61% 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 Sunrise Credit Union has shown is below 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. Sunrise Credit Union has $18.62 million in assets with $1.57 million in equity, resulting in a capitalization level of 8.45%, which is average. |
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