Institution Statistics
| S.T.E.C. | | NCUA # | 18816 | | BankRate Report | View | | Year Chartered | 1968 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $8.60 million | | Loans | $3.71 million | | Deposits | $7.46 million | | Equity Capital | $1.14 million | | Loan Loss Allowance | $42,000 |
Historic Data - December 2010 | | Assets | $8.30 million | | Equity Capital | $1.12 million | | Loan Loss Allowance | $55,000 | | Unbacked Noncurrent Loans | $54,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.56% | | Return on Assets | 0.17% | | Return on Equity | 1.32% | | Interest Income | $256,000 | | Non-Interest Income | $1,000 |
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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 S.T.E.C. Credit Union had $0 in non-current loans and owned real-estate with $1.18 million in equity and loan loss allowances on hand to cover it. This gives S.T.E.C. 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, S.T.E.C. Credit Union has increased its total deposits by $288,000, resulting in 4.02% 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 S.T.E.C. 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. S.T.E.C. Credit Union has $8.6 million in assets with $1.18 million in equity, resulting in a capitalization level of 13.73%, which is excellent. |
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