Institution Statistics
| LA CROSSE-BURLINGTON | | NCUA # | 66406 | | BankRate Report | View | | Year Chartered | 1955 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $6.00 million | | Loans | $3.10 million | | Deposits | $4.99 million | | Equity Capital | $995,000 | | Loan Loss Allowance | $29,000 | | Unbacked Noncurrent Loans | $53,000 |
Historic Data - December 2010 | | Assets | $5.69 million | | Equity Capital | $996,000 | | Loan Loss Allowance | $28,000 | | Unbacked Noncurrent Loans | $52,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.56% | | Return on Assets | 0% | | Return on Equity | 0% | | Interest Income | $192,000 | | Non-Interest Income | $62,000 |
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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 La Crosse-Burlington Credit Union had $53,000 in non-current loans and owned real-estate with $1.02 million in equity and loan loss allowances on hand to cover it. This gives La Crosse-Burlington Credit Union a Texas Ratio of 5.18% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for La Crosse-Burlington Credit Union held steady from 5.08% as of December 31, 2010 to 5.18% as of December 31, 2011, resulting in a negative change of 1.92%. This indicates that the balance sheet and financial strength for La Crosse-Burlington Credit Union has held steady in recent periods. | | Deposit Growth | | | In the past year, La Crosse-Burlington Credit Union has increased its total deposits by $318,000, resulting in 6.8% 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 La Crosse-Burlington 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. La Crosse-Burlington Credit Union has $6 million in assets with $1.02 million in equity, resulting in a capitalization level of 17.06%, which is excellent. |
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