Institution Statistics
| UTILITIES | | NCUA # | 66776 | | BankRate Report | View | | Year Chartered | 1932 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $9.34 million | | Loans | $3.86 million | | Deposits | $8.50 million | | Equity Capital | $836,000 | | Loan Loss Allowance | $30,000 |
Historic Data - December 2010 | | Assets | $9.20 million | | Equity Capital | $813,000 | | Loan Loss Allowance | $31,000 | | Unbacked Noncurrent Loans | $1,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.37% | | Return on Assets | 0.25% | | Return on Equity | 2.75% | | Interest Income | $243,000 | | 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 Utilities CU (WI) had $0 in non-current loans and owned real-estate with $866,000 in equity and loan loss allowances on hand to cover it. This gives Utilities CU (WI) 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, Utilities CU (WI) has increased its total deposits by $116,000, resulting in 1.38% 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 Utilities CU (WI) 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. Utilities CU (WI) has $9.34 million in assets with $866,000 in equity, resulting in a capitalization level of 9.28%, which is average. |
|
