Institution Statistics
| MASTERS, MATES & PILOTS (MM&P) | | NCUA # | 12440 | | BankRate Report | View | | Year Chartered | 1958 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $929,000 | | Loans | $396,000 | | Deposits | $839,000 | | Equity Capital | $87,000 | | Loan Loss Allowance | $33,000 |
Historic Data - December 2010 | | Assets | $940,000 | | Equity Capital | $78,000 | | Loan Loss Allowance | $6,000 | | Unbacked Noncurrent Loans | $22,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.98% | | Return on Assets | 0.86% | | Return on Equity | 9.2% | | Interest Income | $30,000 | | Non-Interest Income | $29,000 |
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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 Masters, Mates & Pilots (Mm&P) Credit Union had $0 in non-current loans and owned real-estate with $120,000 in equity and loan loss allowances on hand to cover it. This gives Masters, Mates & Pilots (Mm&P) 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, Masters, Mates & Pilots (Mm&P) Credit Union has decreased its total deposits by $-20,000, resulting in -2.33% 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 Masters, Mates & Pilots (Mm&P) 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. Masters, Mates & Pilots (Mm&P) Credit Union has $929,000 in assets with $120,000 in equity, resulting in a capitalization level of 12.92%, which is excellent. |
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