Institution Statistics
| LOCAL #170 TEAMSTERS | | NCUA # | 22798 | | BankRate Report | View | | Year Chartered | 1977 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $12.66 million | | Loans | $3.94 million | | Deposits | $11.43 million | | Equity Capital | $1.22 million | | Loan Loss Allowance | $76,000 | | Unbacked Noncurrent Loans | $227,000 |
Historic Data - December 2010 | | Assets | $13.24 million | | Equity Capital | $1.48 million | | Loan Loss Allowance | $22,000 | | Unbacked Noncurrent Loans | $72,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.18% | | Return on Assets | -1.93% | | Return on Equity | -19.95% | | Interest Income | $481,000 | | Non-Interest Income | $28,000 |
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Institution Health
Overall Score:
3 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 Local #170 Teamsters Credit Union had $227,000 in non-current loans and owned real-estate with $1.3 million in equity and loan loss allowances on hand to cover it. This gives Local #170 Teamsters Credit Union a Texas Ratio of 17.47% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Local #170 Teamsters Credit Union increased slightly from 4.78% as of December 31, 2010 to 17.47% as of December 31, 2011, resulting in a negative change of 265.52%. This indicates that the balance sheet and financial strength for Local #170 Teamsters Credit Union has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Local #170 Teamsters Credit Union has decreased its total deposits by $-324,000, resulting in -2.76% 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 Local #170 Teamsters Credit Union has shown is below average. | | 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. Local #170 Teamsters Credit Union has $12.66 million in assets with $1.3 million in equity, resulting in a capitalization level of 10.26%, which is above average. |
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