Institution Statistics
| NCE | | NCUA # | 67578 | | BankRate Report | View | | Year Chartered | 1966 | | Employees | 4 | | Primary Regulator | |
Assets and Liabilities | | Assets | $4.24 million | | Loans | $2.50 million | | Deposits | $3.40 million | | Equity Capital | $820,000 | | Loan Loss Allowance | $8,000 |
Historic Data - December 2010 | | Assets | $4.00 million | | Equity Capital | $746,000 | | Loan Loss Allowance | $11,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.35% | | Return on Assets | 1.7% | | Return on Equity | 8.78% | | Interest Income | $230,000 | | Non-Interest Income | $127,000 |
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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 Nce Credit Union had $0 in non-current loans and owned real-estate with $828,000 in equity and loan loss allowances on hand to cover it. This gives Nce 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, Nce Credit Union has increased its total deposits by $156,000, resulting in 4.81% 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 Nce 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. Nce Credit Union has $4.24 million in assets with $828,000 in equity, resulting in a capitalization level of 19.55%, which is excellent. |
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