Institution Statistics
| TEMPLE-INLAND | | NCUA # | 6726 | | BankRate Report | View | | Year Chartered | 1950 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $11.93 million | | Loans | $4.84 million | | Deposits | $10.31 million | | Equity Capital | $1.58 million | | Loan Loss Allowance | $40,000 | | Unbacked Noncurrent Loans | $4,000 |
Historic Data - December 2010 | | Assets | $11.58 million | | Equity Capital | $1.51 million | | Loan Loss Allowance | $41,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.15% | | Return on Assets | 0.73% | | Return on Equity | 5.51% | | Interest Income | $390,000 | | Non-Interest Income | $99,000 |
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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 Temple-Inland Credit Union had $4,000 in non-current loans and owned real-estate with $1.62 million in equity and loan loss allowances on hand to cover it. This gives Temple-Inland Credit Union a Texas Ratio of 0.25% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Temple-Inland Credit Union has increased its total deposits by $277,000, resulting in 2.76% 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 Temple-Inland 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. Temple-Inland Credit Union has $11.93 million in assets with $1.62 million in equity, resulting in a capitalization level of 13.57%, which is excellent. |
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