Institution Statistics
| MACHINISTS - BOILERMAKERS | | NCUA # | 14708 | | BankRate Report | View | | Year Chartered | 1961 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $4.15 million | | Loans | $2.41 million | | Deposits | $3.70 million | | Equity Capital | $454,000 | | Loan Loss Allowance | $14,000 |
Historic Data - December 2010 | | Assets | $3.53 million | | Equity Capital | $493,000 | | Loan Loss Allowance | $10,000 | | Unbacked Noncurrent Loans | $20,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.75% | | Return on Assets | -0.94% | | Return on Equity | -8.59% | | Interest Income | $160,000 | | Non-Interest Income | $19,000 |
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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 Machinists - Boilermakers Credit Union had $0 in non-current loans and owned real-estate with $468,000 in equity and loan loss allowances on hand to cover it. This gives Machinists - Boilermakers 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, Machinists - Boilermakers Credit Union has increased its total deposits by $662,000, resulting in 21.81% 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 Machinists - Boilermakers 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. Machinists - Boilermakers Credit Union has $4.15 million in assets with $468,000 in equity, resulting in a capitalization level of 11.27%, which is above average. |
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