River-Rail Community Credit Union

River-Rail Community Credit Union is headquartered in CASPER and is the 15^st largest credit union in the state of Wyoming. It is also the 2,825^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 17 employees and 5,092 members. River-Rail Community Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.

River-Rail Community Credit Union Checking Account Rates

River-Rail Community Credit Union Savings Account Rates

River-Rail Community Credit Union Money Market Rates

River-Rail Community Credit Union CD Rates

Data for Q4 2011

Institution Statistics RIVER-RAIL COMMUNITY NCUA # 9148 BankRate Report View Year Chartered 1954 Employees 17 Primary Regulator Assets and Liabilities Assets $32.08 million Loans $22.30 million Deposits $29.08 million Equity Capital $2.88 million Loan Loss Allowance $104,000 Unbacked Noncurrent Loans $318,000 Historic Data - December 2010 Assets $28.22 million Equity Capital $2.48 million Loan Loss Allowance $105,000 Unbacked Noncurrent Loans $212,000 Profit Margin - Quarterly Net Interest Margin 5.78% Return on Assets 0.22% Return on Equity 2.47% Interest Income $1.51 million Non-Interest Income $298,000

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 River-Rail Community Credit Union had $318,000 in non-current loans and owned real-estate with $2.98 million in equity and loan loss allowances on hand to cover it. This gives River-Rail Community Credit Union a Texas Ratio of 10.66% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for River-Rail Community Credit Union held steady from 8.22% as of December 31, 2010 to 10.66% as of December 31, 2011, resulting in a negative change of 29.69%. This indicates that the balance sheet and financial strength for River-Rail Community Credit Union has held steady in recent periods. Deposit Growth In the past year, River-Rail Community Credit Union has increased its total deposits by $3.36 million, resulting in 13.07% 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 River-Rail Community 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. River-Rail Community Credit Union has $32.08 million in assets with $2.98 million in equity, resulting in a capitalization level of 9.30%, which is average.

No reviews have been left for this bank yet. Be the first to review.