Institution Statistics
| SPOKANE MEDIA | | NCUA # | 24451 | | BankRate Report | View | | Year Chartered | 1938 | | Employees | 4 | | Primary Regulator | |
Assets and Liabilities | | Assets | $10.18 million | | Loans | $6.43 million | | Deposits | $9.46 million | | Equity Capital | $738,000 | | Loan Loss Allowance | $24,000 | | Unbacked Noncurrent Loans | $17,000 |
Historic Data - December 2010 | | Assets | $8.70 million | | Equity Capital | $708,000 | | Loan Loss Allowance | $23,000 | | Unbacked Noncurrent Loans | $49,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.54% | | Return on Assets | 0.28% | | Return on Equity | 3.93% | | Interest Income | $406,000 | | Non-Interest Income | $138,000 |
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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 Spokane Media Credit Union had $17,000 in non-current loans and owned real-estate with $762,000 in equity and loan loss allowances on hand to cover it. This gives Spokane Media Credit Union a Texas Ratio of 2.23% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Spokane Media Credit Union decreased significantly from 6.70% as of December 31, 2010 to 2.23% as of December 31, 2011, resulting in a positive change of 66.72%.This indicates that the balance sheet and financial strength for Spokane Media Credit Union has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Spokane Media Credit Union has increased its total deposits by $1.48 million, resulting in 18.5% 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 Spokane Media 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. Spokane Media Credit Union has $10.18 million in assets with $762,000 in equity, resulting in a capitalization level of 7.49%, which is below average. |
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