Institution Statistics
| TRUMBULL | | NCUA # | 61838 | | BankRate Report | View | | Year Chartered | 1974 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $4.22 million | | Loans | $846,000 | | Deposits | $3.80 million | | Equity Capital | $411,000 | | Loan Loss Allowance | $21,000 | | Unbacked Noncurrent Loans | $12,000 |
Historic Data - December 2010 | | Assets | $4.15 million | | Equity Capital | $435,000 | | Loan Loss Allowance | $20,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.78% | | Return on Assets | -0.59% | | Return on Equity | -6.08% | | Interest Income | $86,000 |
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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 Trumbull Credit Union had $12,000 in non-current loans and owned real-estate with $432,000 in equity and loan loss allowances on hand to cover it. This gives Trumbull Credit Union a Texas Ratio of 2.78% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Trumbull Credit Union has increased its total deposits by $92,000, resulting in 2.48% 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 Trumbull 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. Trumbull Credit Union has $4.22 million in assets with $432,000 in equity, resulting in a capitalization level of 10.24%, which is above average. |
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