Institution Statistics
| ST CLOUD CITY & COUNTY EMPLOYEES | | NCUA # | 60984 | | BankRate Report | View | | Year Chartered | 1934 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $18.05 million | | Loans | $8.82 million | | Deposits | $15.82 million | | Equity Capital | $2.17 million | | Loan Loss Allowance | $43,000 | | Unbacked Noncurrent Loans | $32,000 |
Historic Data - December 2010 | | Assets | $17.28 million | | Equity Capital | $2.13 million | | Loan Loss Allowance | $39,000 | | Unbacked Noncurrent Loans | $39,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.18% | | Return on Assets | 0.25% | | Return on Equity | 2.07% | | Interest Income | $597,000 | | Non-Interest Income | $90,000 |
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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 St Cloud City & County Employees Credit Union had $32,000 in non-current loans and owned real-estate with $2.22 million in equity and loan loss allowances on hand to cover it. This gives St Cloud City & County Employees Credit Union a Texas Ratio of 1.44% 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 St Cloud City & County Employees Credit Union decreased slightly from 1.80% as of December 31, 2010 to 1.44% as of December 31, 2011, resulting in a positive change of 19.80%.This indicates that the balance sheet and financial strength for St Cloud City & County Employees Credit Union has improved slightly in recent periods. | | Deposit Growth | | | In the past year, St Cloud City & County Employees Credit Union has increased its total deposits by $717,000, resulting in 4.75% 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 St Cloud City & County Employees Credit Union has shown is above 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. St Cloud City & County Employees Credit Union has $18.05 million in assets with $2.22 million in equity, resulting in a capitalization level of 12.27%, which is excellent. |
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