Institution Statistics
| PARIS | | NCUA # | 13218 | | BankRate Report | View | | Year Chartered | 1959 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.00 million | | Loans | $221,000 | | Deposits | $884,000 | | Equity Capital | $116,000 | | Loan Loss Allowance | $2,000 | | Unbacked Noncurrent Loans | $9,000 |
Historic Data - December 2010 | | Assets | $1.10 million | | Equity Capital | $129,000 | | Loan Loss Allowance | $2,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.43% | | Return on Assets | -0.7% | | Return on Equity | -6.03% | | Interest Income | $25,000 |
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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 Paris Credit Union had $9,000 in non-current loans and owned real-estate with $118,000 in equity and loan loss allowances on hand to cover it. This gives Paris Credit Union a Texas Ratio of 7.63% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Paris Credit Union has decreased its total deposits by $-82,000, resulting in -8.49% 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 Paris 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. Paris Credit Union has $1 million in assets with $118,000 in equity, resulting in a capitalization level of 11.79%, which is above average. |
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