Institution Statistics
| USC | | NCUA # | 68459 | | BankRate Report | View | | Year Chartered | 1973 | | Employees | 60 | | Primary Regulator | |
Assets and Liabilities | | Assets | $373.65 million | | Loans | $249.71 million | | Deposits | $339.50 million | | Equity Capital | $29.28 million | | Loan Loss Allowance | $2.38 million | | Unbacked Noncurrent Loans | $2.48 million | | Real Estate Owned | $374,000 |
Historic Data - March 2012 | | Assets | $361.12 million | | Equity Capital | $26.30 million | | Loan Loss Allowance | $2.41 million | | Unbacked Noncurrent Loans | $3.25 million | | Real Estate Owned | $490,000 |
Profit Margin - Quarterly | | Net Interest Margin | 0.97% | | Return on Assets | 0.53% | | Return on Equity | 6.82% | | Interest Income | $2.51 million | | Non-Interest Income | $1.19 million |
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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 March 31, 2013 USC Credit Union had $2.85 million in non-current loans and owned real-estate with $31.66 million in equity and loan loss allowances on hand to cover it. This gives USC Credit Union a Texas Ratio of 9.01% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for USC Credit Union decreased slightly from 13.01% as of March 31, 2012 to 9.01% as of March 31, 2013, resulting in a positive change of 30.77%.This indicates that the balance sheet and financial strength for USC Credit Union has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, USC Credit Union has increased its total deposits by $11.64 million, resulting in 3.55% 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 USC Credit Union has shown is above 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. USC Credit Union has $373.65 million in assets with $31.66 million in equity, resulting in a capitalization level of 8.47%, which is average. |
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