Institution Statistics
| RESEARCH 1166 | | NCUA # | 1166 | | BankRate Report | View | | Year Chartered | 1936 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $15.51 million | | Loans | $5.63 million | | Deposits | $13.67 million | | Equity Capital | $1.79 million | | Loan Loss Allowance | $23,000 |
Historic Data - December 2010 | | Assets | $16.42 million | | Equity Capital | $1.86 million | | Loan Loss Allowance | $23,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.85% | | Return on Assets | -0.77% | | Return on Equity | -6.65% | | Interest Income | $361,000 | | Non-Interest Income | $17,000 |
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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 Research 1166 Credit Union had $0 in non-current loans and owned real-estate with $1.81 million in equity and loan loss allowances on hand to cover it. This gives Research 1166 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, Research 1166 Credit Union has decreased its total deposits by $-837,000, resulting in -5.77% 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 Research 1166 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. Research 1166 Credit Union has $15.51 million in assets with $1.81 million in equity, resulting in a capitalization level of 11.69%, which is above average. |
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