Institution Statistics
| PACO | | NCUA # | 4150 | | BankRate Report | View | | Year Chartered | 1940 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $6.66 million | | Loans | $1.98 million | | Deposits | $5.95 million | | Equity Capital | $708,000 | | Loan Loss Allowance | $20,000 |
Historic Data - December 2010 | | Assets | $6.63 million | | Equity Capital | $764,000 | | Loan Loss Allowance | $24,000 | | Unbacked Noncurrent Loans | $17,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.48% | | Return on Assets | -0.86% | | Return on Equity | -8.05% | | Interest Income | $231,000 | | Non-Interest Income | $32,000 |
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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 Paco Credit Union had $0 in non-current loans and owned real-estate with $728,000 in equity and loan loss allowances on hand to cover it. This gives Paco 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, Paco Credit Union has increased its total deposits by $104,000, resulting in 1.78% 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 Paco Credit Union has shown is above 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. Paco Credit Union has $6.66 million in assets with $728,000 in equity, resulting in a capitalization level of 10.92%, which is above average. |
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