Institution Statistics
| MCMILLEN MASTER | | NCUA # | 65005 | | BankRate Report | View | | Year Chartered | 1943 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $307,000 | | Loans | $235,000 | | Deposits | $210,000 | | Equity Capital | $92,000 | | Loan Loss Allowance | $7,000 |
Historic Data - December 2010 | | Assets | $317,000 | | Equity Capital | $90,000 | | Loan Loss Allowance | $7,000 |
Profit Margin - Quarterly | | Net Interest Margin | 8.03% | | Return on Assets | 0.33% | | Return on Equity | 1.09% | | Interest Income | $20,000 |
|
|
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 Mcmillen Master Credit Union had $0 in non-current loans and owned real-estate with $99,000 in equity and loan loss allowances on hand to cover it. This gives Mcmillen Master 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, Mcmillen Master Credit Union has decreased its total deposits by $-16,000, resulting in -7.08% 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 Mcmillen Master 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. Mcmillen Master Credit Union has $307,000 in assets with $99,000 in equity, resulting in a capitalization level of 32.25%, which is excellent. |
|
