Institution Statistics
| NATCHEZ-ADAMS EDUCATORS | | NCUA # | 63821 | | BankRate Report | View | | Year Chartered | 1961 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.66 million | | Loans | $719,000 | | Deposits | $1.14 million | | Equity Capital | $503,000 | | Loan Loss Allowance | $1,000 |
Historic Data - December 2010 | | Assets | $1.57 million | | Equity Capital | $472,000 | | Loan Loss Allowance | $2,000 | | Unbacked Noncurrent Loans | $2,000 |
Profit Margin - Quarterly | | Net Interest Margin | 14.06% | | Return on Assets | 1.81% | | Return on Equity | 5.96% | | Interest Income | $124,000 | | Non-Interest Income | $18,000 |
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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 Natchez-Adams Educators Credit Union had $0 in non-current loans and owned real-estate with $504,000 in equity and loan loss allowances on hand to cover it. This gives Natchez-Adams Educators 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, Natchez-Adams Educators Credit Union has increased its total deposits by $53,000, resulting in 4.88% 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 Natchez-Adams Educators Credit Union has shown is above 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. Natchez-Adams Educators Credit Union has $1.66 million in assets with $504,000 in equity, resulting in a capitalization level of 30.45%, which is excellent. |
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