Institution Statistics
| U T U | | NCUA # | 4360 | | BankRate Report | View | | Year Chartered | 1941 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $4.40 million | | Loans | $563,000 | | Deposits | $4.00 million | | Equity Capital | $401,000 | | Loan Loss Allowance | $4,000 | | Unbacked Noncurrent Loans | $8,000 |
Historic Data - December 2010 | | Assets | $4.47 million | | Equity Capital | $399,000 | | Loan Loss Allowance | $10,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.73% | | Return on Assets | -0.16% | | Return on Equity | -1.75% | | Interest Income | $103,000 |
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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 U T U Credit Union had $8,000 in non-current loans and owned real-estate with $405,000 in equity and loan loss allowances on hand to cover it. This gives U T U Credit Union a Texas Ratio of 1.98% 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 T U Credit Union has decreased its total deposits by $-77,000, resulting in -1.89% 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 T U 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 T U Credit Union has $4.4 million in assets with $405,000 in equity, resulting in a capitalization level of 9.21%, which is average. |
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