Institution Statistics
| LAMOURE | | NCUA # | 62218 | | BankRate Report | View | | Year Chartered | 1940 | | Employees | 5 | | Primary Regulator | |
Assets and Liabilities | | Assets | $19.50 million | | Loans | $14.79 million | | Deposits | $17.88 million | | Equity Capital | $1.58 million | | Loan Loss Allowance | $97,000 |
Historic Data - December 2010 | | Assets | $16.49 million | | Equity Capital | $1.40 million | | Loan Loss Allowance | $95,000 | | Unbacked Noncurrent Loans | $5,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.63% | | Return on Assets | 0.9% | | Return on Equity | 11.09% | | Interest Income | $708,000 | | Non-Interest Income | $97,000 |
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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 Lamoure Credit Union had $0 in non-current loans and owned real-estate with $1.68 million in equity and loan loss allowances on hand to cover it. This gives Lamoure 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, Lamoure Credit Union has increased its total deposits by $2.82 million, resulting in 18.75% 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 Lamoure 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. Lamoure Credit Union has $19.5 million in assets with $1.68 million in equity, resulting in a capitalization level of 8.59%, which is average. |
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