Institution Statistics
| U S EMPLOYEES | | NCUA # | 6672 | | BankRate Report | View | | Year Chartered | 1950 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $823,000 | | Loans | $630,000 | | Deposits | $704,000 | | Equity Capital | $117,000 | | Loan Loss Allowance | $11,000 |
Historic Data - December 2010 | | Assets | $822,000 | | Equity Capital | $113,000 | | Loan Loss Allowance | $9,000 | | Unbacked Noncurrent Loans | $16,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.79% | | Return on Assets | 0.49% | | Return on Equity | 3.42% | | Interest Income | $49,000 |
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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 Employees Credit Union (WV) had $0 in non-current loans and owned real-estate with $128,000 in equity and loan loss allowances on hand to cover it. This gives U S Employees Credit Union (WV) 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 Employees Credit Union (WV) has decreased its total deposits by $-1,000, resulting in -0.14% 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 Employees Credit Union (WV) has shown is 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 Employees Credit Union (WV) has $823,000 in assets with $128,000 in equity, resulting in a capitalization level of 15.55%, which is excellent. |
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