Institution Statistics
| KANSAS CITY | | NCUA # | 63388 | | BankRate Report | View | | Year Chartered | 1940 | | Employees | 11 | | Primary Regulator | |
Assets and Liabilities | | Assets | $22.86 million | | Loans | $7.88 million | | Deposits | $19.41 million | | Equity Capital | $3.25 million | | Loan Loss Allowance | $68,000 | | Unbacked Noncurrent Loans | $68,000 | | Real Estate Owned | $201,000 |
Historic Data - December 2010 | | Assets | $21.52 million | | Equity Capital | $3.17 million | | Loan Loss Allowance | $99,000 | | Unbacked Noncurrent Loans | $282,000 | | Real Estate Owned | $15,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.07% | | Return on Assets | 0.32% | | Return on Equity | 2.25% | | Interest Income | $685,000 | | Non-Interest Income | $990,000 |
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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 Kansas City Credit Union had $269,000 in non-current loans and owned real-estate with $3.31 million in equity and loan loss allowances on hand to cover it. This gives Kansas City Credit Union a Texas Ratio of 8.12% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Kansas City Credit Union held steady from 9.08% as of December 31, 2010 to 8.12% as of December 31, 2011, resulting in a positive change of 10.58%.This indicates that the balance sheet and financial strength for Kansas City Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, Kansas City Credit Union has increased its total deposits by $1.24 million, resulting in 6.85% 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 Kansas City 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. Kansas City Credit Union has $22.86 million in assets with $3.31 million in equity, resulting in a capitalization level of 14.50%, which is excellent. |
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