Institution Statistics
| JACKSON COUNTY | | NCUA # | 10324 | | BankRate Report | View | | Year Chartered | 1955 | | Employees | 4 | | Primary Regulator | |
Assets and Liabilities | | Assets | $5.53 million | | Loans | $3.92 million | | Deposits | $5.06 million | | Equity Capital | $464,000 | | Loan Loss Allowance | $5,000 | | Unbacked Noncurrent Loans | $2,000 |
Historic Data - December 2010 | | Assets | $4.94 million | | Equity Capital | $457,000 | | Loan Loss Allowance | $4,000 | | Unbacked Noncurrent Loans | $2,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.11% | | Return on Assets | 0.11% | | Return on Equity | 1.29% | | Interest Income | $201,000 | | Non-Interest Income | $15,000 |
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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 Jackson County Credit Union had $2,000 in non-current loans and owned real-estate with $469,000 in equity and loan loss allowances on hand to cover it. This gives Jackson County Credit Union a Texas Ratio of 0.43% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Jackson County Credit Union held steady from 0.43% as of December 31, 2010 to 0.43% as of December 31, 2011, resulting in a positive change of 1.71%.This indicates that the balance sheet and financial strength for Jackson County Credit Union has held steady in recent periods. | | Deposit Growth | | | In the past year, Jackson County Credit Union has increased its total deposits by $580,000, resulting in 12.95% 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 Jackson County Credit Union has shown is excellent. | | 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. Jackson County Credit Union has $5.53 million in assets with $469,000 in equity, resulting in a capitalization level of 8.48%, which is average. |
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