Institution Statistics
| JOSTEN EMPLOYEES | | NCUA # | 60221 | | BankRate Report | View | | Year Chartered | 1935 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.27 million | | Loans | $990,000 | | Deposits | $883,000 | | Equity Capital | $381,000 | | Loan Loss Allowance | $18,000 |
Historic Data - December 2010 | | Assets | $1.31 million | | Equity Capital | $379,000 | | Loan Loss Allowance | $23,000 | | Unbacked Noncurrent Loans | $5,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.21% | | Return on Assets | 0.08% | | Return on Equity | 0.26% | | Interest Income | $48,000 |
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Institution Health
Overall Score:
4 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 Josten Employees Credit Union had $0 in non-current loans and owned real-estate with $399,000 in equity and loan loss allowances on hand to cover it. This gives Josten Employees 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, Josten Employees Credit Union has decreased its total deposits by $-48,000, resulting in -5.16% 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 Josten Employees 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. Josten Employees Credit Union has $1.26 million in assets with $399,000 in equity, resulting in a capitalization level of 31.54%, which is excellent. |
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