Institution Statistics
| MOUNT ZION A M E CHURCH | | NCUA # | 18546 | | BankRate Report | View | | Year Chartered | 1968 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $66,000 | | Loans | $13,000 | | Deposits | $45,000 | | Equity Capital | $21,000 | | Loan Loss Allowance | $4,000 | | Unbacked Noncurrent Loans | $2,000 |
Historic Data - December 2010 | | Assets | $69,000 | | Equity Capital | $16,000 | | Loan Loss Allowance | $3,000 |
Profit Margin - Quarterly | | Net Interest Margin | 15.38% | | Return on Assets | 6.06% | | Return on Equity | 19.05% | | Interest Income | $1,000 | | Non-Interest Income | $5,000 |
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Institution Health
Overall Score:
4 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 Mount Zion A M E Church Credit Union had $2,000 in non-current loans and owned real-estate with $25,000 in equity and loan loss allowances on hand to cover it. This gives Mount Zion A M E Church Credit Union a Texas Ratio of 8.00% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Mount Zion A M E Church Credit Union has decreased its total deposits by $-8,000, resulting in -15.09% 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 Mount Zion A M E Church Credit Union 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. Mount Zion A M E Church Credit Union has $66,000 in assets with $25,000 in equity, resulting in a capitalization level of 37.88%, which is excellent. |
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