Institution Statistics
| MCU FINANCIAL CENTER | | NCUA # | 66878 | | BankRate Report | View | | Year Chartered | 1939 | | Employees | 10 | | Primary Regulator | |
Assets and Liabilities | | Assets | $26.13 million | | Loans | $20.01 million | | Deposits | $23.75 million | | Equity Capital | $1.98 million | | Loan Loss Allowance | $196,000 | | Unbacked Noncurrent Loans | $113,000 | | Real Estate Owned | $177,000 |
Historic Data - December 2010 | | Assets | $27.90 million | | Equity Capital | $2.30 million | | Loan Loss Allowance | $88,000 | | Unbacked Noncurrent Loans | $559,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.26% | | Return on Assets | -1.21% | | Return on Equity | -15.97% | | Interest Income | $1.19 million | | Non-Interest Income | $187,000 |
|
|
Institution Health
Overall Score:
3 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 Mcu Financial Center had $290,000 in non-current loans and owned real-estate with $2.17 million in equity and loan loss allowances on hand to cover it. This gives Mcu Financial Center a Texas Ratio of 13.33% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Mcu Financial Center decreased significantly from 23.42% as of December 31, 2010 to 13.33% as of December 31, 2011, resulting in a positive change of 43.06%.This indicates that the balance sheet and financial strength for Mcu Financial Center has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Mcu Financial Center has decreased its total deposits by -$1.61 million, resulting in -6.36% 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 Mcu Financial Center 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. Mcu Financial Center has $26.13 million in assets with $2.17 million in equity, resulting in a capitalization level of 8.32%, which is average. |
|
