Institution Statistics
| MARION COMMUNITY | | NCUA # | 61324 | | BankRate Report | View | | Year Chartered | 1960 | | Employees | 19 | | Primary Regulator | |
Assets and Liabilities | | Assets | $58.91 million | | Loans | $27.42 million | | Deposits | $53.09 million | | Equity Capital | $5.71 million | | Loan Loss Allowance | $371,000 | | Unbacked Noncurrent Loans | $883,000 | | Real Estate Owned | $108,000 |
Historic Data - December 2010 | | Assets | $55.01 million | | Equity Capital | $5.34 million | | Loan Loss Allowance | $412,000 | | Unbacked Noncurrent Loans | $888,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.65% | | Return on Assets | 0.55% | | Return on Equity | 5.71% | | Interest Income | $2.70 million | | Non-Interest Income | $739,000 |
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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 Marion Community Credit Union had $991,000 in non-current loans and owned real-estate with $6.08 million in equity and loan loss allowances on hand to cover it. This gives Marion Community Credit Union a Texas Ratio of 16.29% 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 Marion Community Credit Union held steady from 15.44% as of December 31, 2010 to 16.29% as of December 31, 2011, resulting in a negative change of 5.53%. This indicates that the balance sheet and financial strength for Marion Community Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, Marion Community Credit Union has increased its total deposits by $3.48 million, resulting in 7.01% 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 Marion Community 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. Marion Community Credit Union has $58.91 million in assets with $6.08 million in equity, resulting in a capitalization level of 10.33%, which is above average. |
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