Institution Statistics
| OTTAWA HIWAY | | NCUA # | 63213 | | BankRate Report | View | | Year Chartered | 1963 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $8.02 million | | Loans | $4.71 million | | Deposits | $6.89 million | | Equity Capital | $1.07 million | | Loan Loss Allowance | $23,000 | | Unbacked Noncurrent Loans | $2,000 |
Historic Data - December 2010 | | Assets | $7.40 million | | Equity Capital | $993,000 | | Loan Loss Allowance | $31,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.69% | | Return on Assets | 0.9% | | Return on Equity | 6.76% | | Interest Income | $322,000 | | Non-Interest Income | $46,000 |
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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 Ottawa Hiway Credit Union had $2,000 in non-current loans and owned real-estate with $1.09 million in equity and loan loss allowances on hand to cover it. This gives Ottawa Hiway Credit Union a Texas Ratio of 0.18% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Ottawa Hiway Credit Union has increased its total deposits by $525,000, resulting in 8.25% 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 Ottawa Hiway 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. Ottawa Hiway Credit Union has $8.02 million in assets with $1.09 million in equity, resulting in a capitalization level of 13.57%, which is excellent. |
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