The Mount Lebanon Credit Union

The Mount Lebanon Credit Union is headquartered in Baltimore and is the 105^th largest credit union in the state of Maryland. It is also the 6,947^th largest credit union in the nation. It was established in 1970 and as of December of 2011, it had grown to 1 employees and 282 members. The Mount Lebanon Credit Union has a 2-star health rating.

The Mount Lebanon Credit Union Savings Account Rates

The Mount Lebanon Credit Union CD Rates

The Mount Lebanon Credit Union IRA Rates

Data for Q4 2011

Institution Statistics THE MOUNT LEBANON NCUA # 20038 BankRate Report View Year Chartered 1970 Employees 1 Primary Regulator Assets and Liabilities Assets $497,000 Loans $381,000 Deposits $451,000 Equity Capital $45,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $48,000 Historic Data - December 2010 Assets $504,000 Equity Capital $52,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $38,000 Profit Margin - Quarterly Net Interest Margin 6.4% Return on Assets 1.21% Return on Equity 13.33% Interest Income $31,000 Non-Interest Income $3,000

Institution Health Overall Score: 2 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 The Mount Lebanon Credit Union had $48,000 in non-current loans and owned real-estate with $52,000 in equity and loan loss allowances on hand to cover it. This gives The Mount Lebanon Credit Union a Texas Ratio of 92.31% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Mount Lebanon Credit Union increased slightly from 62.30% as of December 31, 2010 to 92.31% as of December 31, 2011, resulting in a negative change of 48.18%. This indicates that the balance sheet and financial strength for The Mount Lebanon Credit Union has declined slightly in recent periods. Deposit Growth In the past year, The Mount Lebanon Credit Union has decreased its total deposits by $-1,000, resulting in -0.22% 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 The Mount Lebanon 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. The Mount Lebanon Credit Union has $497,000 in assets with $52,000 in equity, resulting in a capitalization level of 10.46%, which is above average.

No reviews have been left for this bank yet. Be the first to review.