Institution Statistics
| IMPERIAL | | NCUA # | 66300 | | BankRate Report | View | | Year Chartered | 1957 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $35,000 | | Loans | $11,000 | | Deposits | $31,000 | | Equity Capital | $4,000 | | Loan Loss Allowance | $2,000 | | Unbacked Noncurrent Loans | $2,000 |
Historic Data - December 2010 | | Assets | $34,000 | | Equity Capital | $1,000 | | Loan Loss Allowance | $1,000 | | Unbacked Noncurrent Loans | $2,000 |
Profit Margin - Quarterly | | Net Interest Margin | 18.18% | | Return on Assets | 5.71% | | Return on Equity | 50% | | Interest Income | $1,000 | | Non-Interest Income | $2,000 |
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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 Imperial Credit Union had $2,000 in non-current loans and owned real-estate with $6,000 in equity and loan loss allowances on hand to cover it. This gives Imperial Credit Union a Texas Ratio of 33.33% 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 Imperial Credit Union decreased significantly from 100.00% as of December 31, 2010 to 33.33% as of December 31, 2011, resulting in a positive change of 66.67%.This indicates that the balance sheet and financial strength for Imperial Credit Union has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Imperial Credit Union has decreased its total deposits by $-2,000, resulting in -6.06% 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 Imperial 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. Imperial Credit Union has $35,000 in assets with $6,000 in equity, resulting in a capitalization level of 17.14%, which is excellent. |
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