Institution Statistics
| UTAH | | NCUA # | 7546 | | BankRate Report | View | | Year Chartered | 1951 | | Employees | 4 | | Primary Regulator | |
Assets and Liabilities | | Assets | $18.37 million | | Loans | $10.70 million | | Deposits | $16.35 million | | Equity Capital | $1.99 million | | Loan Loss Allowance | $114,000 | | Unbacked Noncurrent Loans | $93,000 |
Historic Data - December 2010 | | Assets | $19.29 million | | Equity Capital | $1.91 million | | Loan Loss Allowance | $120,000 | | Unbacked Noncurrent Loans | $47,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.67% | | Return on Assets | 0.43% | | Return on Equity | 3.97% | | Interest Income | $721,000 | | Non-Interest Income | $89,000 |
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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 Utah Credit Union had $93,000 in non-current loans and owned real-estate with $2.1 million in equity and loan loss allowances on hand to cover it. This gives Utah Credit Union a Texas Ratio of 4.42% 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 Utah Credit Union held steady from 2.31% as of December 31, 2010 to 4.42% as of December 31, 2011, resulting in a negative change of 91.01%. This indicates that the balance sheet and financial strength for Utah Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, Utah Credit Union has decreased its total deposits by -$1 million, resulting in -5.79% 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 Utah Credit Union has shown is poor. | | 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. Utah Credit Union has $18.37 million in assets with $2.1 million in equity, resulting in a capitalization level of 11.46%, which is above average. |
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