Institution Statistics
| RAH | | NCUA # | 14845 | | BankRate Report | View | | Year Chartered | 1962 | | Employees | 4 | | Primary Regulator | |
Assets and Liabilities | | Assets | $13.75 million | | Loans | $8.23 million | | Deposits | $11.87 million | | Equity Capital | $1.82 million | | Loan Loss Allowance | $63,000 | | Unbacked Noncurrent Loans | $29,000 |
Historic Data - December 2010 | | Assets | $14.85 million | | Equity Capital | $1.77 million | | Loan Loss Allowance | $86,000 | | Unbacked Noncurrent Loans | $45,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.33% | | Return on Assets | 0.33% | | Return on Equity | 2.53% | | Interest Income | $528,000 | | Non-Interest Income | $60,000 |
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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 Rah Credit Union had $29,000 in non-current loans and owned real-estate with $1.88 million in equity and loan loss allowances on hand to cover it. This gives Rah Credit Union a Texas Ratio of 1.54% 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 Rah Credit Union decreased slightly from 2.43% as of December 31, 2010 to 1.54% as of December 31, 2011, resulting in a positive change of 36.38%.This indicates that the balance sheet and financial strength for Rah Credit Union has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Rah Credit Union has decreased its total deposits by -$1.16 million, resulting in -8.87% 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 Rah 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. Rah Credit Union has $13.75 million in assets with $1.88 million in equity, resulting in a capitalization level of 13.67%, which is excellent. |
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