Institution Statistics
| PPL GOLD | | NCUA # | 64884 | | BankRate Report | View | | Year Chartered | 1937 | | Employees | 21 | | Primary Regulator | |
Assets and Liabilities | | Assets | $110.17 million | | Loans | $70.97 million | | Deposits | $93.27 million | | Equity Capital | $16.69 million | | Loan Loss Allowance | $158,000 | | Unbacked Noncurrent Loans | $645,000 |
Historic Data - December 2010 | | Assets | $105.25 million | | Equity Capital | $16.27 million | | Loan Loss Allowance | $151,000 | | Unbacked Noncurrent Loans | $268,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.86% | | Return on Assets | 0.37% | | Return on Equity | 2.43% | | Interest Income | $4.13 million | | Non-Interest Income | $178,000 |
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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 Pp&L G.O.L.D. Credit Union had $645,000 in non-current loans and owned real-estate with $16.84 million in equity and loan loss allowances on hand to cover it. This gives Pp&L G.O.L.D. Credit Union a Texas Ratio of 3.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Pp&L G.O.L.D. Credit Union held steady from 1.63% as of December 31, 2010 to 3.83% as of December 31, 2011, resulting in a negative change of 134.63%. This indicates that the balance sheet and financial strength for Pp&L G.O.L.D. Credit Union has held steady in recent periods. | | Deposit Growth | | | In the past year, Pp&L G.O.L.D. Credit Union has increased its total deposits by $4.44 million, resulting in 5% 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 Pp&L G.O.L.D. 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. Pp&L G.O.L.D. Credit Union has $110.17 million in assets with $16.84 million in equity, resulting in a capitalization level of 15.29%, which is excellent. |
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