Institution Statistics
| I B M PITTSBURGH | | NCUA # | 21346 | | BankRate Report | View | | Year Chartered | 1973 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $580,000 | | Loans | $155,000 | | Deposits | $454,000 | | Equity Capital | $125,000 | | Loan Loss Allowance | $3,000 |
Historic Data - December 2010 | | Assets | $601,000 | | Equity Capital | $152,000 | | Loan Loss Allowance | $4,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.08% | | Return on Assets | -4.66% | | Return on Equity | -21.6% | | Interest Income | $14,000 |
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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 I B M Pittsburgh Credit Union had $0 in non-current loans and owned real-estate with $128,000 in equity and loan loss allowances on hand to cover it. This gives I B M Pittsburgh 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, I B M Pittsburgh Credit Union has increased its total deposits by $6,000, resulting in 1.34% 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 I B M Pittsburgh 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. I B M Pittsburgh Credit Union has $580,000 in assets with $128,000 in equity, resulting in a capitalization level of 22.07%, which is excellent. |
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