Institution Statistics
| SUGARDALE EMPLOYEES | | NCUA # | 96793 | | BankRate Report | View | | Year Chartered | 1961 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $4.23 million | | Loans | $1.62 million | | Deposits | $3.94 million | | Equity Capital | $270,000 | | Loan Loss Allowance | $11,000 |
Historic Data - December 2010 | | Assets | $4.22 million | | Equity Capital | $282,000 | | Loan Loss Allowance | $19,000 | | Unbacked Noncurrent Loans | $34,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.8% | | Return on Assets | -0.28% | | Return on Equity | -4.44% | | Interest Income | $160,000 | | Non-Interest Income | $28,000 |
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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 Sugardale Employees Credit Union had $0 in non-current loans and owned real-estate with $281,000 in equity and loan loss allowances on hand to cover it. This gives Sugardale Employees 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, Sugardale Employees Credit Union has increased its total deposits by $17,000, resulting in 0.43% 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 Sugardale Employees Credit Union has shown is 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. Sugardale Employees Credit Union has $4.23 million in assets with $281,000 in equity, resulting in a capitalization level of 6.65%, which is below average. |
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