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Overview / Commentary
P.O. Box Ab
Lisbon, ND 58054

Lisbon Farmers Union Credit Union is headquartered in Lisbon and is the 36th largest credit union in the state of North Dakota. It is also the 5,369th largest credit union in the nation. It was established in 1945 and as of March of 2014, it had grown to 1 employees and 271 members. Lisbon Farmers Union Credit Union has a C+ health rating.

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Health

Data for Q1 2014

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Lisbon Farmers Union Credit Union has a very low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Lisbon Farmers Union Credit Union had $85,000 in non-current loans and owned real-estate with $3.11 million in equity and loan loss allowances on hand to cover it. This gives Lisbon Farmers Union Credit Union a Texas Ratio of 2.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Lisbon Farmers Union Credit Union experienced no significant changes from 2.89% as of March 31, 2013 to 2.74% as of March 31, 2014, resulting in a positive change of 5.28%.This indicates that the balance sheet and financial strength for Lisbon Farmers Union Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
D

In the past year, Lisbon Farmers Union Credit Union has decreased its total deposits by $-134,000, resulting in -8.3% 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 Lisbon Farmers Union Credit Union has shown is below average.

Capitalization

GRADE:
A+

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. Lisbon Farmers Union Credit Union has $4.56 million in assets with $3.11 million in equity, resulting in a capitalization level of 68.07%, which is excellent.

Institution Statistics

Overall
NCUA #64688
Year Chartered1945
Employees1
Primary Regulator
Assets and Liabilities
Assets$4.56 million
Loans$2.57 million
Deposits$1.48 million
Equity Capital$3.08 million
Loan Loss Allowance$25,000
Real Estate Owned$85,000
Historic Data - March 2013
Assets$4.71 million
Equity Capital$3.10 million
Loan Loss Allowance$17,000
Unbacked Noncurrent Loans$0
Real Estate Owned$85,000
Profit Margin - Quarterly
Net Interest Margin1.98%
Return on Assets-0.53%
Return on Equity-0.78%
Interest Income$51,000
Rates

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Locations


Lisbon Farmers Union Credit Union Locations
Branch Office18 5th Ave WLisbon, ND 58054-4113