Institution Statistics
| MESSIAH BAPTIST-JUBILEE | | NCUA # | 24043 | | BankRate Report | View | | Year Chartered | 1983 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $599,000 | | Loans | $268,000 | | Deposits | $513,000 | | Equity Capital | $86,000 | | Loan Loss Allowance | $7,000 |
Historic Data - December 2010 | | Assets | $429,000 | | Equity Capital | $85,000 | | Loan Loss Allowance | $9,000 | | Unbacked Noncurrent Loans | $19,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.46% | | Return on Assets | 0.17% | | Return on Equity | 1.16% | | Interest Income | $15,000 |
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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 Messiah Baptist-Jubilee Credit Union had $0 in non-current loans and owned real-estate with $93,000 in equity and loan loss allowances on hand to cover it. This gives Messiah Baptist-Jubilee 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, Messiah Baptist-Jubilee Credit Union has increased its total deposits by $169,000, resulting in 49.13% 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 Messiah Baptist-Jubilee 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. Messiah Baptist-Jubilee Credit Union has $599,000 in assets with $93,000 in equity, resulting in a capitalization level of 15.53%, which is excellent. |
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