Niagara Mohawk Pwr Cor Troy E Credit Union

Niagara Mohawk Pwr Cor Troy E Credit Union is headquartered in TROY and is the 319^st largest credit union in the state of New York. It is also the 5,759^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 3 employees and 575 members. Niagara Mohawk Pwr Cor Troy E Credit Union has a 4-star health rating.

Niagara Mohawk Pwr Cor Troy E Credit Union Checking Account Rates

Niagara Mohawk Pwr Cor Troy E Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics NIAGARA MOHAWK PWR COR TROY E NCUA # 1842 BankRate Report View Year Chartered 1936 Employees 3 Primary Regulator Assets and Liabilities Assets $4.04 million Loans $1.97 million Deposits $3.07 million Equity Capital $962,000 Loan Loss Allowance $114,000 Unbacked Noncurrent Loans $90,000 Historic Data - December 2010 Assets $4.33 million Equity Capital $1.17 million Loan Loss Allowance $77,000 Unbacked Noncurrent Loans $103,000 Profit Margin - Quarterly Net Interest Margin 7.91% Return on Assets -5.1% Return on Equity -21.41% Interest Income $164,000 Non-Interest Income $4,000

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 Niagara Mohawk Pwr Cor Troy E Credit Union had $90,000 in non-current loans and owned real-estate with $1.08 million in equity and loan loss allowances on hand to cover it. This gives Niagara Mohawk Pwr Cor Troy E Credit Union a Texas Ratio of 8.36% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Niagara Mohawk Pwr Cor Troy E Credit Union held steady from 8.28% as of December 31, 2010 to 8.36% as of December 31, 2011, resulting in a negative change of 1.02%. This indicates that the balance sheet and financial strength for Niagara Mohawk Pwr Cor Troy E Credit Union has held steady in recent periods. Deposit Growth In the past year, Niagara Mohawk Pwr Cor Troy E Credit Union has decreased its total deposits by $-85,000, resulting in -2.69% 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 Niagara Mohawk Pwr Cor Troy E Credit Union has shown is below 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. Niagara Mohawk Pwr Cor Troy E Credit Union has $4.04 million in assets with $1.08 million in equity, resulting in a capitalization level of 26.63%, which is excellent.

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