Institution Statistics
| U S COURT HOUSE SDNY | | NCUA # | 5973 | | BankRate Report | View | | Year Chartered | 1949 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $3.54 million | | Loans | $2.57 million | | Deposits | $2.75 million | | Equity Capital | $785,000 | | Loan Loss Allowance | $29,000 |
Historic Data - December 2010 | | Assets | $3.62 million | | Equity Capital | $830,000 | | Loan Loss Allowance | $29,000 |
Profit Margin - Quarterly | | Net Interest Margin | 9.46% | | Return on Assets | -1.24% | | Return on Equity | -5.61% | | Interest Income | $250,000 | | Non-Interest Income | ($40,000) |
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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 U S Court House Sdny Credit Union had $0 in non-current loans and owned real-estate with $814,000 in equity and loan loss allowances on hand to cover it. This gives U S Court House Sdny 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, U S Court House Sdny Credit Union has decreased its total deposits by $-31,000, resulting in -1.12% 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 U S Court House Sdny 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. U S Court House Sdny Credit Union has $3.54 million in assets with $814,000 in equity, resulting in a capitalization level of 23.03%, which is excellent. |
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