Institution Statistics
| JONES TABERNACLE | | NCUA # | 12467 | | BankRate Report | View | | Year Chartered | 1958 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $102,000 | | Loans | $34,000 | | Deposits | $91,000 | | Equity Capital | $11,000 | | Loan Loss Allowance | $7,000 | | Unbacked Noncurrent Loans | $12,000 |
Historic Data - December 2010 | | Assets | $111,000 | | Equity Capital | $11,000 | | Loan Loss Allowance | $7,000 | | Unbacked Noncurrent Loans | $6,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.88% | | Return on Assets | 0% | | Return on Equity | 0% | | Interest Income | $2,000 | | Non-Interest Income | $1,000 |
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Institution Health
Overall Score:
2 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 Jones Tabernacle Credit Union had $12,000 in non-current loans and owned real-estate with $18,000 in equity and loan loss allowances on hand to cover it. This gives Jones Tabernacle Credit Union a Texas Ratio of 66.67% 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 Jones Tabernacle Credit Union increased slightly from 33.33% as of December 31, 2010 to 66.67% as of December 31, 2011, resulting in a negative change of 100.00%. This indicates that the balance sheet and financial strength for Jones Tabernacle Credit Union has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Jones Tabernacle Credit Union has decreased its total deposits by $-9,000, resulting in -9% 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 Jones Tabernacle 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. Jones Tabernacle Credit Union has $102,000 in assets with $18,000 in equity, resulting in a capitalization level of 17.65%, which is excellent. |
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