Institution Statistics
| LEE | | NCUA # | 15174 | | BankRate Report | View | | Year Chartered | 1962 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $9.93 million | | Loans | $4.43 million | | Deposits | $8.09 million | | Equity Capital | $1.82 million | | Loan Loss Allowance | $5,000 |
Historic Data - December 2010 | | Assets | $11.21 million | | Equity Capital | $1.76 million | | Loan Loss Allowance | $5,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.47% | | Return on Assets | 0.63% | | Return on Equity | 3.46% | | Interest Income | $252,000 |
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Institution Health
Overall Score:
4 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 Lee Credit Union had $0 in non-current loans and owned real-estate with $1.82 million in equity and loan loss allowances on hand to cover it. This gives Lee 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, Lee Credit Union has decreased its total deposits by -$1.33 million, resulting in -14.14% 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 Lee Credit Union has shown is poor. | | 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. Lee Credit Union has $9.93 million in assets with $1.82 million in equity, resulting in a capitalization level of 18.38%, which is excellent. |
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