Institution Statistics
| ORAL | | NCUA # | 6663 | | BankRate Report | View | | Year Chartered | 1950 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $2.55 million | | Loans | $351,000 | | Deposits | $2.01 million | | Equity Capital | $541,000 | | Loan Loss Allowance | $3,000 |
Historic Data - December 2010 | | Assets | $2.84 million | | Equity Capital | $585,000 | | Loan Loss Allowance | $4,000 |
Profit Margin - Quarterly | | Net Interest Margin | 8.77% | | Return on Assets | -1.73% | | Return on Equity | -8.13% | | Interest Income | $50,000 |
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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 Oral Credit Union had $0 in non-current loans and owned real-estate with $544,000 in equity and loan loss allowances on hand to cover it. This gives Oral 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, Oral Credit Union has decreased its total deposits by $-250,000, resulting in -11.08% 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 Oral Credit Union has shown is poor. | | 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. Oral Credit Union has $2.55 million in assets with $544,000 in equity, resulting in a capitalization level of 21.35%, which is excellent. |
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