Institution Statistics
| SHOSHONE COUNTY SCHOOL EMPLOYEES | | NCUA # | 62766 | | BankRate Report | View | | Year Chartered | 1956 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $930,000 | | Loans | $421,000 | | Deposits | $842,000 | | Equity Capital | $88,000 | | Loan Loss Allowance | $9,000 |
Historic Data - December 2010 | | Assets | $888,000 | | Equity Capital | $89,000 | | Loan Loss Allowance | $9,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.39% | | Return on Assets | 0% | | Return on Equity | 0% | | Interest Income | $23,000 |
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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 Shoshone County School Employees Credit Union had $0 in non-current loans and owned real-estate with $97,000 in equity and loan loss allowances on hand to cover it. This gives Shoshone County School Employees 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, Shoshone County School Employees Credit Union has increased its total deposits by $43,000, resulting in 5.38% 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 Shoshone County School Employees 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. Shoshone County School Employees Credit Union has $930,000 in assets with $97,000 in equity, resulting in a capitalization level of 10.43%, which is above average. |
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