Institution Statistics
| PAPER CONVERTERS LOCAL 286/1034 | | NCUA # | 23556 | | BankRate Report | View | | Year Chartered | 1979 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.35 million | | Loans | $613,000 | | Deposits | $1.13 million | | Equity Capital | $188,000 | | Loan Loss Allowance | $5,000 |
Historic Data - December 2010 | | Assets | $1.31 million | | Equity Capital | $197,000 | | Loan Loss Allowance | $5,000 | | Unbacked Noncurrent Loans | $3,000 |
Profit Margin - Quarterly | | Net Interest Margin | 9.61% | | Return on Assets | -0.59% | | Return on Equity | -4.26% | | Interest Income | $66,000 | | Non-Interest Income | $20,000 |
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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 Paper Converters Local 286/1034 Credit Union had $0 in non-current loans and owned real-estate with $193,000 in equity and loan loss allowances on hand to cover it. This gives Paper Converters Local 286/1034 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, Paper Converters Local 286/1034 Credit Union has increased its total deposits by $50,000, resulting in 4.63% 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 Paper Converters Local 286/1034 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. Paper Converters Local 286/1034 Credit Union has $1.35 million in assets with $193,000 in equity, resulting in a capitalization level of 14.31%, which is excellent. |
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