Institution Statistics
| SAN JUAN | | NCUA # | 67163 | | BankRate Report | View | | Year Chartered | 1963 | | Employees | 7 | | Primary Regulator | |
Assets and Liabilities | | Assets | $12.66 million | | Loans | $9.36 million | | Deposits | $11.17 million | | Equity Capital | $1.43 million | | Loan Loss Allowance | $319,000 | | Unbacked Noncurrent Loans | $312,000 |
Historic Data - December 2010 | | Assets | $11.54 million | | Equity Capital | $1.31 million | | Loan Loss Allowance | $269,000 | | Unbacked Noncurrent Loans | $120,000 |
Profit Margin - Quarterly | | Net Interest Margin | 8.56% | | Return on Assets | 1.08% | | Return on Equity | 9.55% | | Interest Income | $830,000 | | Non-Interest Income | $421,000 |
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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 San Juan Credit Union had $312,000 in non-current loans and owned real-estate with $1.75 million in equity and loan loss allowances on hand to cover it. This gives San Juan Credit Union a Texas Ratio of 17.80% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for San Juan Credit Union increased slightly from 7.61% as of December 31, 2010 to 17.80% as of December 31, 2011, resulting in a negative change of 133.75%. This indicates that the balance sheet and financial strength for San Juan Credit Union has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, San Juan Credit Union has increased its total deposits by $958,000, resulting in 9.38% 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 San Juan 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. San Juan Credit Union has $12.66 million in assets with $1.75 million in equity, resulting in a capitalization level of 13.85%, which is excellent. |
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