Institution Statistics
| LAKEWOOD COMMUNITY | | NCUA # | 23265 | | BankRate Report | View | | Year Chartered | 1978 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $86,000 | | Loans | $15,000 | | Deposits | $75,000 | | Equity Capital | $9,000 | | Loan Loss Allowance | $1,000 |
Historic Data - December 2010 | | Assets | $49,000 | | Equity Capital | $6,000 | | Loan Loss Allowance | $1,000 | | Unbacked Noncurrent Loans | $1,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.67% | | Return on Assets | 2.33% | | Return on Equity | 22.22% | | Non-Interest Income | $9,000 |
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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 Lakewood Community Credit Union had $0 in non-current loans and owned real-estate with $10,000 in equity and loan loss allowances on hand to cover it. This gives Lakewood Community 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, Lakewood Community Credit Union has increased its total deposits by $39,000, resulting in 108.33% 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 Lakewood Community 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. Lakewood Community Credit Union has $86,000 in assets with $10,000 in equity, resulting in a capitalization level of 11.63%, which is above average. |
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