Institution Statistics
| ST. PAULS | | NCUA # | 19046 | | BankRate Report | View | | Year Chartered | 1968 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $126,000 | | Loans | $21,000 | | Deposits | $95,000 | | Equity Capital | $31,000 | | Loan Loss Allowance | $1,000 | | Unbacked Noncurrent Loans | $1,000 |
Historic Data - December 2010 | | Assets | $135,000 | | Equity Capital | $32,000 | | Loan Loss Allowance | $1,000 |
Profit Margin - Quarterly | | Net Interest Margin | 13.23% | | Return on Assets | 0% | | Return on Equity | 0% | | Interest Income | $3,000 |
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Institution Health
Overall Score:
4 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. Pauls Credit Union had $1,000 in non-current loans and owned real-estate with $32,000 in equity and loan loss allowances on hand to cover it. This gives St. Pauls Credit Union a Texas Ratio of 3.13% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, St. Pauls Credit Union has decreased its total deposits by $-8,000, resulting in -7.77% 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. Pauls Credit Union has shown is poor. | | 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. Pauls Credit Union has $126,000 in assets with $32,000 in equity, resulting in a capitalization level of 25.40%, which is excellent. |
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