Institution Statistics
| UNIVERSITY | | NCUA # | 67348 | | BankRate Report | View | | Year Chartered | 1947 | | Employees | 75 | | Primary Regulator | |
Assets and Liabilities | | Assets | $182.35 million | | Loans | $60.71 million | | Deposits | $161.63 million | | Equity Capital | $19.10 million | | Loan Loss Allowance | $1.48 million | | Unbacked Noncurrent Loans | $801,000 |
Historic Data - December 2010 | | Assets | $175.56 million | | Equity Capital | $21.58 million | | Loan Loss Allowance | $1.10 million | | Unbacked Noncurrent Loans | $798,000 | | Real Estate Owned | $371,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.87% | | Return on Assets | -1.36% | | Return on Equity | -12.95% | | Interest Income | $5.44 million | | Non-Interest Income | $2.93 million |
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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 University CU (FL) had $801,000 in non-current loans and owned real-estate with $20.58 million in equity and loan loss allowances on hand to cover it. This gives University CU (FL) a Texas Ratio of 3.89% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for University CU (FL) decreased slightly from 5.15% as of December 31, 2010 to 3.89% as of December 31, 2011, resulting in a positive change of 24.50%.This indicates that the balance sheet and financial strength for University CU (FL) has improved slightly in recent periods. | | Deposit Growth | | | In the past year, University CU (FL) has increased its total deposits by $9.59 million, resulting in 6.31% 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 University CU (FL) has shown is excellent. | | 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. University CU (FL) has $182.35 million in assets with $20.58 million in equity, resulting in a capitalization level of 11.29%, which is above average. |
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