The Urban Street Biscuit Wkrs

The Urban Street Biscuit Wkrs is headquartered in Buffalo and is the 359^th largest credit union in the state of New York. It is also the 6,545^th largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to employees and 185 members. The Urban Street Biscuit Wkrs has a 5-star health rating.

Data for Q4 2011

Institution Statistics THE URBAN STREET BISCUIT WKRS NCUA # 3300 BankRate Report View Year Chartered 1939 Employees 0 Primary Regulator Assets and Liabilities Assets $1.41 million Loans $578,000 Deposits $1.18 million Equity Capital $231,000 Loan Loss Allowance $25,000 Historic Data - December 2010 Assets $1.34 million Equity Capital $221,000 Loan Loss Allowance $15,000 Unbacked Noncurrent Loans $27,000 Profit Margin - Quarterly Net Interest Margin 8.67% Return on Assets 0.64% Return on Equity 3.9% Interest Income $58,000

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 The Urban Street Biscuit Wkrs had $0 in non-current loans and owned real-estate with $256,000 in equity and loan loss allowances on hand to cover it. This gives The Urban Street Biscuit Wkrs 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, The Urban Street Biscuit Wkrs has increased its total deposits by $66,000, resulting in 5.94% 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 Urban Street Biscuit Wkrs has shown is excellent. 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 Urban Street Biscuit Wkrs has $1.41 million in assets with $256,000 in equity, resulting in a capitalization level of 18.14%, which is excellent.

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