Institution Statistics
| NAVFAC | | NCUA # | 7521 | | BankRate Report | View | | Year Chartered | 1951 | | Employees | 7 | | Primary Regulator | |
Assets and Liabilities | | Assets | $36.10 million | | Loans | $6.54 million | | Deposits | $32.58 million | | Equity Capital | $3.48 million | | Loan Loss Allowance | $84,000 | | Unbacked Noncurrent Loans | $13,000 |
Historic Data - December 2010 | | Assets | $34.95 million | | Equity Capital | $3.77 million | | Loan Loss Allowance | $23,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.4% | | Return on Assets | -0.8% | | Return on Equity | -8.28% | | Interest Income | $875,000 | | Non-Interest Income | $20,000 |
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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 Navfac Credit Union had $13,000 in non-current loans and owned real-estate with $3.56 million in equity and loan loss allowances on hand to cover it. This gives Navfac Credit Union a Texas Ratio of 0.37% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Navfac Credit Union has increased its total deposits by $1.46 million, resulting in 4.68% 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 Navfac 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. Navfac Credit Union has $36.1 million in assets with $3.56 million in equity, resulting in a capitalization level of 9.86%, which is average. |
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