Institution Statistics
| ROCHESTER POLISH | | NCUA # | 22078 | | BankRate Report | View | | Year Chartered | 1975 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $7.45 million | | Loans | $1.36 million | | Deposits | $6.06 million | | Equity Capital | $1.38 million | | Loan Loss Allowance | $12,000 |
Historic Data - December 2010 | | Assets | $7.37 million | | Equity Capital | $1.34 million | | Loan Loss Allowance | $13,000 | | Unbacked Noncurrent Loans | $17,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.9% | | Return on Assets | 0.55% | | Return on Equity | 2.97% | | Interest Income | $214,000 | | 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 Rochester Polish Credit Union had $0 in non-current loans and owned real-estate with $1.39 million in equity and loan loss allowances on hand to cover it. This gives Rochester Polish 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, Rochester Polish Credit Union has increased its total deposits by $43,000, resulting in 0.71% 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 Rochester Polish Credit Union has shown is average. | | 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. Rochester Polish Credit Union has $7.45 million in assets with $1.39 million in equity, resulting in a capitalization level of 18.71%, which is excellent. |
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