Institution Statistics
| O P S EMP | | NCUA # | 18599 | | BankRate Report | View | | Year Chartered | 1968 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $966,000 | | Loans | $211,000 | | Deposits | $796,000 | | Equity Capital | $165,000 | | Loan Loss Allowance | $3,000 | | Unbacked Noncurrent Loans | $17,000 |
Historic Data - December 2010 | | Assets | $901,000 | | Equity Capital | $166,000 | | Loan Loss Allowance | $3,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.88% | | Return on Assets | 0% | | Return on Equity | 0% | | Interest Income | $26,000 |
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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 O P S Emp Credit Union had $17,000 in non-current loans and owned real-estate with $168,000 in equity and loan loss allowances on hand to cover it. This gives O P S Emp Credit Union a Texas Ratio of 10.12% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, O P S Emp Credit Union has increased its total deposits by $64,000, resulting in 8.74% 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 O P S Emp Credit Union has shown is excellent. | | 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. O P S Emp Credit Union has $966,000 in assets with $168,000 in equity, resulting in a capitalization level of 17.39%, which is excellent. |
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