Institution Statistics
| KASKASKIA VALLEY | | NCUA # | 65988 | | BankRate Report | View | | Year Chartered | 1982 | | Employees | 5 | | Primary Regulator | |
Assets and Liabilities | | Assets | $8.11 million | | Loans | $6.63 million | | Deposits | $7.27 million | | Equity Capital | $665,000 | | Loan Loss Allowance | $81,000 | | Unbacked Noncurrent Loans | $153,000 |
Historic Data - December 2010 | | Assets | $7.42 million | | Equity Capital | $639,000 | | Loan Loss Allowance | $38,000 | | Unbacked Noncurrent Loans | $86,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.99% | | Return on Assets | 0.65% | | Return on Equity | 7.97% | | Interest Income | $428,000 | | Non-Interest Income | $137,000 |
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Institution Health
Overall Score:
3 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 Kaskaskia Valley Credit Union had $153,000 in non-current loans and owned real-estate with $746,000 in equity and loan loss allowances on hand to cover it. This gives Kaskaskia Valley Credit Union a Texas Ratio of 20.51% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Kaskaskia Valley Credit Union increased slightly from 12.70% as of December 31, 2010 to 20.51% as of December 31, 2011, resulting in a negative change of 61.45%. This indicates that the balance sheet and financial strength for Kaskaskia Valley Credit Union has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Kaskaskia Valley Credit Union has increased its total deposits by $542,000, resulting in 8.05% 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 Kaskaskia Valley 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. Kaskaskia Valley Credit Union has $8.11 million in assets with $746,000 in equity, resulting in a capitalization level of 9.20%, which is average. |
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