Institution Statistics
| MARATHON REPUBLIC | | NCUA # | 2724 | | BankRate Report | View | | Year Chartered | 1938 | | Employees | 5 | | Primary Regulator | |
Assets and Liabilities | | Assets | $7.85 million | | Loans | $4.68 million | | Deposits | $6.87 million | | Equity Capital | $963,000 | | Loan Loss Allowance | $30,000 | | Unbacked Noncurrent Loans | $76,000 |
Historic Data - December 2010 | | Assets | $7.96 million | | Equity Capital | $1.03 million | | Loan Loss Allowance | $27,000 | | Unbacked Noncurrent Loans | $80,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.62% | | Return on Assets | -0.85% | | Return on Equity | -6.96% | | Interest Income | $378,000 | | Non-Interest Income | $78,000 |
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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 Marathon Republic Credit Union had $76,000 in non-current loans and owned real-estate with $993,000 in equity and loan loss allowances on hand to cover it. This gives Marathon Republic Credit Union a Texas Ratio of 7.65% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Marathon Republic Credit Union held steady from 7.56% as of December 31, 2010 to 7.65% as of December 31, 2011, resulting in a negative change of 1.22%. This indicates that the balance sheet and financial strength for Marathon Republic Credit Union has held steady in recent periods. | | Deposit Growth | | | In the past year, Marathon Republic Credit Union has decreased its total deposits by $-48,000, resulting in -0.69% 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 Marathon Republic Credit Union has shown is 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. Marathon Republic Credit Union has $7.85 million in assets with $993,000 in equity, resulting in a capitalization level of 12.65%, which is excellent. |
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