Institution Statistics
| TOWNS-UNION EDUCATORS' | | NCUA # | 22444 | | BankRate Report | View | | Year Chartered | 1976 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $2.50 million | | Loans | $691,000 | | Deposits | $2.30 million | | Equity Capital | $200,000 | | Loan Loss Allowance | $4,000 |
Historic Data - December 2010 | | Assets | $2.48 million | | Equity Capital | $208,000 | | Loan Loss Allowance | $7,000 | | Unbacked Noncurrent Loans | $5,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.4% | | Return on Assets | -0.32% | | Return on Equity | -4% | | Interest Income | $65,000 |
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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 Towns-Union Educators' Credit Union had $0 in non-current loans and owned real-estate with $204,000 in equity and loan loss allowances on hand to cover it. This gives Towns-Union Educators' 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, Towns-Union Educators' Credit Union has increased its total deposits by $37,000, resulting in 1.63% 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 Towns-Union Educators' 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. Towns-Union Educators' Credit Union has $2.5 million in assets with $204,000 in equity, resulting in a capitalization level of 8.15%, which is average. |
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