Institution Statistics
| SANTA ANA | | NCUA # | 24520 | | BankRate Report | View | | Year Chartered | 1950 | | Employees | 13 | | Primary Regulator | |
Assets and Liabilities | | Assets | $59.14 million | | Loans | $37.04 million | | Deposits | $54.63 million | | Equity Capital | $4.20 million | | Loan Loss Allowance | $1.12 million | | Unbacked Noncurrent Loans | $1.51 million | | Real Estate Owned | $455,000 |
Historic Data - December 2010 | | Assets | $59.08 million | | Equity Capital | $3.96 million | | Loan Loss Allowance | $1.27 million | | Unbacked Noncurrent Loans | $162,000 | | Real Estate Owned | $462,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.8% | | Return on Assets | 0.41% | | Return on Equity | 5.83% | | Interest Income | $2.44 million | | Non-Interest Income | $793,000 |
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Institution Health
Overall Score:
2 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 Santa Ana Credit Union had $1.96 million in non-current loans and owned real-estate with $5.32 million in equity and loan loss allowances on hand to cover it. This gives Santa Ana Credit Union a Texas Ratio of 36.87% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Santa Ana Credit Union increased slightly from 11.92% as of December 31, 2010 to 36.87% as of December 31, 2011, resulting in a negative change of 209.16%. This indicates that the balance sheet and financial strength for Santa Ana Credit Union has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Santa Ana Credit Union has decreased its total deposits by $-91,000, resulting in -0.17% 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 Santa Ana 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. Santa Ana Credit Union has $59.14 million in assets with $5.32 million in equity, resulting in a capitalization level of 9.00%, which is average. |
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