Institution Statistics
| MEMBERS 1ST | | NCUA # | 63899 | | BankRate Report | View | | Year Chartered | 1957 | | Employees | 7 | | Primary Regulator | |
Assets and Liabilities | | Assets | $11.58 million | | Loans | $9.03 million | | Deposits | $10.50 million | | Equity Capital | $1.02 million | | Loan Loss Allowance | $79,000 | | Unbacked Noncurrent Loans | $525,000 |
Historic Data - December 2010 | | Assets | $10.80 million | | Equity Capital | $914,000 | | Loan Loss Allowance | $81,000 | | Unbacked Noncurrent Loans | $555,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.26% | | Return on Assets | 0.91% | | Return on Equity | 10.3% | | Interest Income | $751,000 | | Non-Interest Income | $132,000 |
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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 Members 1St CU (VT) had $525,000 in non-current loans and owned real-estate with $1.1 million in equity and loan loss allowances on hand to cover it. This gives Members 1St CU (VT) a Texas Ratio of 47.81% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Members 1St CU (VT) held steady from 55.78% as of December 31, 2010 to 47.81% as of December 31, 2011, resulting in a positive change of 14.28%.This indicates that the balance sheet and financial strength for Members 1St CU (VT) has held steady in recent periods. | | Deposit Growth |  | | In the past year, Members 1St CU (VT) has increased its total deposits by $661,000, resulting in 6.72% 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 Members 1St CU (VT) 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. Members 1St CU (VT) has $11.58 million in assets with $1.1 million in equity, resulting in a capitalization level of 9.48%, which is average. |
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