Institution Statistics
| MISSOURI CENTRAL | | NCUA # | 64036 | | BankRate Report | View | | Year Chartered | 1931 | | Employees | 15 | | Primary Regulator | |
Assets and Liabilities | | Assets | $38.81 million | | Loans | $17.82 million | | Deposits | $33.45 million | | Equity Capital | $5.19 million | | Loan Loss Allowance | $106,000 | | Unbacked Noncurrent Loans | $94,000 |
Historic Data - December 2010 | | Assets | $36.15 million | | Equity Capital | $5.18 million | | Loan Loss Allowance | $149,000 | | Unbacked Noncurrent Loans | $91,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.58% | | Return on Assets | 0.02% | | Return on Equity | 0.15% | | Interest Income | $1.30 million | | Non-Interest Income | $514,000 |
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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 Missouri Central Credit Union had $94,000 in non-current loans and owned real-estate with $5.29 million in equity and loan loss allowances on hand to cover it. This gives Missouri Central Credit Union a Texas Ratio of 1.78% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Missouri Central Credit Union held steady from 1.71% as of December 31, 2010 to 1.78% as of December 31, 2011, resulting in a negative change of 3.96%. This indicates that the balance sheet and financial strength for Missouri Central Credit Union has held steady in recent periods. | | Deposit Growth | | | In the past year, Missouri Central Credit Union has increased its total deposits by $2.65 million, resulting in 8.6% 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 Missouri Central 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. Missouri Central Credit Union has $38.81 million in assets with $5.29 million in equity, resulting in a capitalization level of 13.64%, which is excellent. |
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