Institution Statistics
| TEL-U-WATT | | NCUA # | 146 | | BankRate Report | View | | Year Chartered | 1935 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $4.01 million | | Loans | $2.57 million | | Deposits | $3.62 million | | Equity Capital | $379,000 | | Loan Loss Allowance | $10,000 |
Historic Data - December 2010 | | Assets | $3.83 million | | Equity Capital | $369,000 | | Loan Loss Allowance | $10,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.64% | | Return on Assets | 0.25% | | Return on Equity | 2.64% | | Interest Income | $165,000 |
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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 Tel-U-Watt Credit Union had $0 in non-current loans and owned real-estate with $389,000 in equity and loan loss allowances on hand to cover it. This gives Tel-U-Watt 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, Tel-U-Watt Credit Union has increased its total deposits by $169,000, resulting in 4.89% 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 Tel-U-Watt 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. Tel-U-Watt Credit Union has $4.01 million in assets with $389,000 in equity, resulting in a capitalization level of 9.71%, which is average. |
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