Institution Statistics
| PARIS DISTRICT | | NCUA # | 67499 | | BankRate Report | View | | Year Chartered | 1952 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $485,000 | | Loans | $282,000 | | Deposits | $397,000 | | Equity Capital | $88,000 | | Loan Loss Allowance | $5,000 |
Historic Data - December 2010 | | Assets | $448,000 | | Equity Capital | $85,000 | | Loan Loss Allowance | $5,000 |
Profit Margin - Quarterly | | Net Interest Margin | 8.73% | | Return on Assets | 0.41% | | Return on Equity | 2.27% | | Interest Income | $33,000 |
|
|
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 Paris District Credit Union had $0 in non-current loans and owned real-estate with $93,000 in equity and loan loss allowances on hand to cover it. This gives Paris District 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, Paris District Credit Union has increased its total deposits by $34,000, resulting in 9.37% 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 District 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. Paris District Credit Union has $485,000 in assets with $93,000 in equity, resulting in a capitalization level of 19.18%, which is excellent. |
|
