Institution Statistics
| PCH | | NCUA # | 22817 | | BankRate Report | View | | Year Chartered | 1977 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.67 million | | Loans | $403,000 | | Deposits | $1.56 million | | Equity Capital | $109,000 | | Loan Loss Allowance | $2,000 | | Unbacked Noncurrent Loans | $1,000 |
Historic Data - December 2010 | | Assets | $1.68 million | | Equity Capital | $161,000 | | Loan Loss Allowance | $2,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.58% | | Return on Assets | -2.82% | | Return on Equity | -43.12% | | Interest Income | $24,000 | | Non-Interest Income | $15,000 |
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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 Pch Credit Union had $1,000 in non-current loans and owned real-estate with $111,000 in equity and loan loss allowances on hand to cover it. This gives Pch Credit Union a Texas Ratio of 0.90% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Pch Credit Union has increased its total deposits by $44,000, resulting in 2.9% 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 Pch 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. Pch Credit Union has $1.67 million in assets with $111,000 in equity, resulting in a capitalization level of 6.65%, which is below average. |
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