Institution Statistics
| TECU | | NCUA # | 67187 | | BankRate Report | View | | Year Chartered | 1987 | | Employees | 21 | | Primary Regulator | |
Assets and Liabilities | | Assets | $63.40 million | | Loans | $51.13 million | | Deposits | $55.91 million | | Equity Capital | $5.04 million | | Loan Loss Allowance | $314,000 | | Unbacked Noncurrent Loans | $234,000 |
Historic Data - December 2010 | | Assets | $62.39 million | | Equity Capital | $4.62 million | | Loan Loss Allowance | $416,000 | | Unbacked Noncurrent Loans | $364,000 | | Real Estate Owned | $47,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.46% | | Return on Assets | 0.96% | | Return on Equity | 12.07% | | Interest Income | $3.27 million | | Non-Interest Income | $1.35 million |
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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 Tecu had $234,000 in non-current loans and owned real-estate with $5.35 million in equity and loan loss allowances on hand to cover it. This gives Tecu a Texas Ratio of 4.37% 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 Tecu decreased significantly from 8.16% as of December 31, 2010 to 4.37% as of December 31, 2011, resulting in a positive change of 46.46%.This indicates that the balance sheet and financial strength for Tecu has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Tecu has increased its total deposits by $913,000, resulting in 1.66% 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 Tecu 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. Tecu has $63.4 million in assets with $5.35 million in equity, resulting in a capitalization level of 8.44%, which is average. |
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