Institution Statistics
| MOKELUMNE | | NCUA # | 13265 | | BankRate Report | View | | Year Chartered | 1959 | | Employees | 14 | | Primary Regulator | |
Assets and Liabilities | | Assets | $46.60 million | | Loans | $18.46 million | | Deposits | $41.71 million | | Equity Capital | $4.66 million | | Loan Loss Allowance | $1.21 million | | Unbacked Noncurrent Loans | $295,000 |
Historic Data - December 2010 | | Assets | $45.90 million | | Equity Capital | $4.25 million | | Loan Loss Allowance | $1.30 million | | Unbacked Noncurrent Loans | $141,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.17% | | Return on Assets | 0.86% | | Return on Equity | 8.59% | | Interest Income | $1.98 million | | Non-Interest Income | $472,000 |
|
|
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 Mokelumne Credit Union had $295,000 in non-current loans and owned real-estate with $5.87 million in equity and loan loss allowances on hand to cover it. This gives Mokelumne Credit Union a Texas Ratio of 5.03% 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 Mokelumne Credit Union held steady from 2.54% as of December 31, 2010 to 5.03% as of December 31, 2011, resulting in a negative change of 97.88%. This indicates that the balance sheet and financial strength for Mokelumne Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, Mokelumne Credit Union has increased its total deposits by $400,000, resulting in 0.97% 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 Mokelumne Credit Union has shown is average. | | 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. Mokelumne Credit Union has $46.6 million in assets with $5.87 million in equity, resulting in a capitalization level of 12.60%, which is excellent. |
|