Institution Statistics
| MUNI EMPLOYEES | | NCUA # | 61360 | | BankRate Report | View | | Year Chartered | 1952 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $746,000 | | Loans | $424,000 | | Deposits | $644,000 | | Equity Capital | $97,000 | | Loan Loss Allowance | $10,000 | | Unbacked Noncurrent Loans | $18,000 |
Historic Data - December 2010 | | Assets | $707,000 | | Equity Capital | $100,000 | | Loan Loss Allowance | $10,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.68% | | Return on Assets | -0.27% | | Return on Equity | -2.06% | | Interest Income | $31,000 | | Non-Interest Income | $2,000 |
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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 Muni Employees Credit Union had $18,000 in non-current loans and owned real-estate with $107,000 in equity and loan loss allowances on hand to cover it. This gives Muni Employees Credit Union a Texas Ratio of 16.82% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Muni Employees Credit Union has increased its total deposits by $42,000, resulting in 6.98% 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 Muni Employees 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. Muni Employees Credit Union has $746,000 in assets with $107,000 in equity, resulting in a capitalization level of 14.34%, which is excellent. |
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