Institution Statistics
| ST. LOUIS FIREFIGHTERS & COMMUNITY | | NCUA # | 67694 | | BankRate Report | View | | Year Chartered | 1933 | | Employees | 5 | | Primary Regulator | |
Assets and Liabilities | | Assets | $15.68 million | | Loans | $5.72 million | | Deposits | $12.97 million | | Equity Capital | $2.68 million | | Loan Loss Allowance | $38,000 | | Unbacked Noncurrent Loans | $30,000 |
Historic Data - December 2010 | | Assets | $16.16 million | | Equity Capital | $2.71 million | | Loan Loss Allowance | $49,000 | | Unbacked Noncurrent Loans | $129,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.87% | | Return on Assets | -0.34% | | Return on Equity | -1.98% | | Interest Income | $615,000 | | Non-Interest Income | $109,000 |
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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. Louis Firefighters & Community Credit Union had $30,000 in non-current loans and owned real-estate with $2.72 million in equity and loan loss allowances on hand to cover it. This gives St. Louis Firefighters & Community Credit Union a Texas Ratio of 1.10% 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. Louis Firefighters & Community Credit Union decreased significantly from 4.67% as of December 31, 2010 to 1.10% as of December 31, 2011, resulting in a positive change of 76.36%.This indicates that the balance sheet and financial strength for St. Louis Firefighters & Community Credit Union has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, St. Louis Firefighters & Community Credit Union has decreased its total deposits by $-443,000, resulting in -3.3% 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. Louis Firefighters & Community Credit Union has shown is below 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. Louis Firefighters & Community Credit Union has $15.68 million in assets with $2.72 million in equity, resulting in a capitalization level of 17.32%, which is excellent. |
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