Institution Statistics
| INDUSTRIAL DISTRIBUTORS | | NCUA # | 24031 | | BankRate Report | View | | Year Chartered | 1983 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $3.20 million | | Loans | $1.07 million | | Deposits | $2.13 million | | Equity Capital | $1.04 million | | Loan Loss Allowance | $14,000 |
Historic Data - December 2010 | | Assets | $3.24 million | | Equity Capital | $1.05 million | | Loan Loss Allowance | $24,000 | | Unbacked Noncurrent Loans | $5,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.83% | | Return on Assets | -0.41% | | Return on Equity | -1.25% | | Interest Income | $92,000 | | Non-Interest Income | $43,000 |
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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 Industrial Distributors Credit Union had $0 in non-current loans and owned real-estate with $1.06 million in equity and loan loss allowances on hand to cover it. This gives Industrial Distributors 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, Industrial Distributors Credit Union has decreased its total deposits by $-4,000, resulting in -0.19% 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 Industrial Distributors Credit Union has shown is 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. Industrial Distributors Credit Union has $3.2 million in assets with $1.06 million in equity, resulting in a capitalization level of 33.05%, which is excellent. |
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