Institution Statistics
| UNIVERSITY SETTLEMENT | | NCUA # | 3714 | | BankRate Report | View | | Year Chartered | 1940 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $707,000 | | Loans | $186,000 | | Deposits | $629,000 | | Equity Capital | $75,000 | | Loan Loss Allowance | $3,000 |
Historic Data - December 2010 | | Assets | $608,000 | | Equity Capital | $74,000 | | Loan Loss Allowance | $3,000 | | Unbacked Noncurrent Loans | $2,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.06% | | Return on Assets | 0.14% | | Return on Equity | 1.33% | | Interest Income | $15,000 | | Non-Interest Income | $2,000 |
|
|
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 Settlement Credit Union had $0 in non-current loans and owned real-estate with $78,000 in equity and loan loss allowances on hand to cover it. This gives University Settlement 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, University Settlement Credit Union has increased its total deposits by $97,000, resulting in 18.23% 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 Settlement Credit Union 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 Settlement Credit Union has $707,000 in assets with $78,000 in equity, resulting in a capitalization level of 11.03%, which is above average. |
|
