Institution Statistics
| PA HEALTHCARE CREDIT UNION | | NCUA # | 63714 | | BankRate Report | View | | Year Chartered | 1973 | | Employees | 5 | | Primary Regulator | |
Assets and Liabilities | | Assets | $29.07 million | | Loans | $6.74 million | | Deposits | $25.68 million | | Equity Capital | $3.31 million | | Loan Loss Allowance | $69,000 | | Unbacked Noncurrent Loans | $57,000 |
Historic Data - December 2010 | | Assets | $29.01 million | | Equity Capital | $3.15 million | | Loan Loss Allowance | $76,000 | | Unbacked Noncurrent Loans | $74,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.22% | | Return on Assets | -0.1% | | Return on Equity | -0.85% | | Interest Income | $787,000 | | Non-Interest Income | $153,000 |
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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 PA Healthcare Credit Union had $57,000 in non-current loans and owned real-estate with $3.38 million in equity and loan loss allowances on hand to cover it. This gives PA Healthcare Credit Union a Texas Ratio of 1.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for PA Healthcare Credit Union decreased slightly from 2.30% as of December 31, 2010 to 1.69% as of December 31, 2011, resulting in a positive change of 26.53%.This indicates that the balance sheet and financial strength for PA Healthcare Credit Union has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, PA Healthcare Credit Union has decreased its total deposits by $-119,000, resulting in -0.46% 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 PA Healthcare Credit Union has shown is 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. PA Healthcare Credit Union has $29.07 million in assets with $3.38 million in equity, resulting in a capitalization level of 11.62%, which is above average. |
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