Institution Statistics
| TRAVIS COUNTY | | NCUA # | 67604 | | BankRate Report | View | | Year Chartered | 1954 | | Employees | 8 | | Primary Regulator | |
Assets and Liabilities | | Assets | $24.29 million | | Loans | $10.07 million | | Deposits | $21.98 million | | Equity Capital | $2.18 million | | Loan Loss Allowance | $8,000 | | Unbacked Noncurrent Loans | $3,000 |
Historic Data - December 2010 | | Assets | $23.00 million | | Equity Capital | $2.28 million | | Loan Loss Allowance | $8,000 | | Unbacked Noncurrent Loans | $18,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.72% | | Return on Assets | -0.42% | | Return on Equity | -4.73% | | Interest Income | $645,000 | | Non-Interest Income | $198,000 |
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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 Travis County Credit Union had $3,000 in non-current loans and owned real-estate with $2.18 million in equity and loan loss allowances on hand to cover it. This gives Travis County Credit Union a Texas Ratio of 0.14% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Travis County Credit Union decreased significantly from 0.79% as of December 31, 2010 to 0.14% as of December 31, 2011, resulting in a positive change of 82.55%.This indicates that the balance sheet and financial strength for Travis County Credit Union has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Travis County Credit Union has increased its total deposits by $1.34 million, resulting in 6.47% 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 Travis County Credit Union 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. Travis County Credit Union has $24.29 million in assets with $2.18 million in equity, resulting in a capitalization level of 8.99%, which is average. |
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