Institution Statistics
| TRIBUNE | | NCUA # | 82545 | | BankRate Report | View | | Year Chartered | 1958 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $702,000 | | Loans | $326,000 | | Deposits | $585,000 | | Equity Capital | $116,000 | | Loan Loss Allowance | $5,000 | | Unbacked Noncurrent Loans | $14,000 |
Historic Data - December 2010 | | Assets | $718,000 | | Equity Capital | $114,000 | | Loan Loss Allowance | $5,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.41% | | Return on Assets | 0.28% | | Return on Equity | 1.72% | | Interest Income | $24,000 | | Non-Interest Income | $3,000 |
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Institution Health
Overall Score:
4 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 Tribune Credit Union had $14,000 in non-current loans and owned real-estate with $121,000 in equity and loan loss allowances on hand to cover it. This gives Tribune Credit Union a Texas Ratio of 11.57% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Tribune Credit Union has decreased its total deposits by $-18,000, resulting in -2.99% 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 Tribune Credit Union has shown is below 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. Tribune Credit Union has $702,000 in assets with $121,000 in equity, resulting in a capitalization level of 17.24%, which is excellent. |
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