Institution Statistics
| NEKOOSA | | NCUA # | 66393 | | BankRate Report | View | | Year Chartered | 1935 | | Employees | 7 | | Primary Regulator | |
Assets and Liabilities | | Assets | $18.18 million | | Loans | $10.75 million | | Deposits | $13.11 million | | Equity Capital | $5.03 million | | Loan Loss Allowance | $33,000 |
Historic Data - December 2010 | | Assets | $17.97 million | | Equity Capital | $4.97 million | | Loan Loss Allowance | $36,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.29% | | Return on Assets | 0.36% | | Return on Equity | 1.31% | | Interest Income | $660,000 | | Non-Interest Income | $48,000 |
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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 Nekoosa Credit Union had $0 in non-current loans and owned real-estate with $5.07 million in equity and loan loss allowances on hand to cover it. This gives Nekoosa 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, Nekoosa Credit Union has increased its total deposits by $145,000, resulting in 1.12% 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 Nekoosa 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. Nekoosa Credit Union has $18.18 million in assets with $5.07 million in equity, resulting in a capitalization level of 27.86%, which is excellent. |
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