Institution Statistics
| KRATON BELPRE | | NCUA # | 20204 | | BankRate Report | View | | Year Chartered | 1970 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $6.07 million | | Loans | $2.49 million | | Deposits | $5.22 million | | Equity Capital | $842,000 | | Loan Loss Allowance | $13,000 |
Historic Data - December 2010 | | Assets | $5.76 million | | Equity Capital | $833,000 | | Loan Loss Allowance | $11,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.91% | | Return on Assets | 0.15% | | Return on Equity | 1.07% | | Interest Income | $174,000 | | Non-Interest Income | $2,000 |
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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 Kraton Belpre Credit Union had $0 in non-current loans and owned real-estate with $855,000 in equity and loan loss allowances on hand to cover it. This gives Kraton Belpre 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, Kraton Belpre Credit Union has increased its total deposits by $302,000, resulting in 6.15% 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 Kraton Belpre 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. Kraton Belpre Credit Union has $6.07 million in assets with $855,000 in equity, resulting in a capitalization level of 14.08%, which is excellent. |
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