Institution Statistics
| HUNTINGTON COUNTY | | NCUA # | 16171 | | BankRate Report | View | | Year Chartered | 1964 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $4.26 million | | Loans | $1.77 million | | Deposits | $3.89 million | | Equity Capital | $358,000 | | Loan Loss Allowance | $10,000 | | Unbacked Noncurrent Loans | $38,000 |
Historic Data - December 2010 | | Assets | $4.59 million | | Equity Capital | $355,000 | | Loan Loss Allowance | $19,000 | | Unbacked Noncurrent Loans | $16,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.81% | | Return on Assets | 0.05% | | Return on Equity | 0.56% | | Interest Income | $179,000 | | Non-Interest Income | $50,000 |
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Institution Health
Overall Score:
3 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 Huntington County Credit Union had $38,000 in non-current loans and owned real-estate with $368,000 in equity and loan loss allowances on hand to cover it. This gives Huntington County Credit Union a Texas Ratio of 10.33% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Huntington County Credit Union increased slightly from 4.28% as of December 31, 2010 to 10.33% as of December 31, 2011, resulting in a negative change of 141.37%. This indicates that the balance sheet and financial strength for Huntington County Credit Union has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Huntington County Credit Union has decreased its total deposits by $-333,000, resulting in -7.89% 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 Huntington County Credit Union has shown is poor. | | 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. Huntington County Credit Union has $4.26 million in assets with $368,000 in equity, resulting in a capitalization level of 8.64%, which is average. |
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