Institution Statistics
| LONGVIEW | | NCUA # | 1130 | | BankRate Report | View | | Year Chartered | 1936 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $4.31 million | | Loans | $1.59 million | | Deposits | $3.63 million | | Equity Capital | $665,000 | | Loan Loss Allowance | $17,000 |
Historic Data - December 2010 | | Assets | $4.86 million | | Equity Capital | $654,000 | | Loan Loss Allowance | $17,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.87% | | Return on Assets | 0.28% | | Return on Equity | 1.8% | | Interest Income | $176,000 | | Non-Interest Income | $9,000 |
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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 Longview Credit Union had $0 in non-current loans and owned real-estate with $682,000 in equity and loan loss allowances on hand to cover it. This gives Longview 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, Longview Credit Union has decreased its total deposits by $-551,000, resulting in -13.17% 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 Longview 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. Longview Credit Union has $4.31 million in assets with $682,000 in equity, resulting in a capitalization level of 15.81%, which is excellent. |
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