Taylor Memorial United Methodist Credit Union
1188 12th Street
Oakland, CA 94607
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Taylor Memorial United Methodist Credit Union is headquartered in OAKLAND and is the 422nd largest credit union in the state of California. It is also the 7,167th largest credit union in the nation. It was established in 1973 and as of December of 2011, it had grown to employees and 155 members. Taylor Memorial United Methodist Credit Union has a 4-star health rating.
Data for Q4 2011
Institution Statistics
| TAYLOR MEMORIAL UNITED METHODIST | | NCUA # | 21263 | | BankRate Report | View | | Year Chartered | 1973 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $137,000 | | Loans | $23,000 | | Deposits | $112,000 | | Equity Capital | $25,000 | | Loan Loss Allowance | $7,000 |
Historic Data - December 2010 | | Assets | $158,000 | | Equity Capital | $29,000 | | Loan Loss Allowance | $7,000 | | Unbacked Noncurrent Loans | $1,000 |
Profit Margin - Quarterly | | Net Interest Margin | 8.7% | | Return on Assets | -2.19% | | Return on Equity | -12% | | Interest Income | $2,000 |
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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 Taylor Memorial United Methodist Credit Union had $0 in non-current loans and owned real-estate with $32,000 in equity and loan loss allowances on hand to cover it. This gives Taylor Memorial United Methodist 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, Taylor Memorial United Methodist Credit Union has decreased its total deposits by $-17,000, resulting in -13.18% 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 Taylor Memorial United Methodist 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. Taylor Memorial United Methodist Credit Union has $137,000 in assets with $32,000 in equity, resulting in a capitalization level of 23.36%, which is excellent. |
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