Institution Statistics
| P.H.I. | | NCUA # | 21879 | | BankRate Report | View | | Year Chartered | 1975 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $6.92 million | | Loans | $4.19 million | | Deposits | $6.24 million | | Equity Capital | $628,000 | | Loan Loss Allowance | $13,000 |
Historic Data - December 2010 | | Assets | $6.22 million | | Equity Capital | $600,000 | | Loan Loss Allowance | $15,000 | | Unbacked Noncurrent Loans | $11,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.05% | | Return on Assets | 0.39% | | Return on Equity | 4.3% | | Interest Income | $287,000 | | 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 P.H.I. Credit Union had $0 in non-current loans and owned real-estate with $641,000 in equity and loan loss allowances on hand to cover it. This gives P.H.I. 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, P.H.I. Credit Union has increased its total deposits by $642,000, resulting in 11.47% 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 P.H.I. 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. P.H.I. Credit Union has $6.92 million in assets with $641,000 in equity, resulting in a capitalization level of 9.27%, which is average. |
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