Institution Statistics
| V.A.C.EMPLOYEES | | NCUA # | 6225 | | BankRate Report | View | | Year Chartered | 1949 | | Employees | 6 | | Primary Regulator | |
Assets and Liabilities | | Assets | $22.76 million | | Loans | $6.73 million | | Deposits | $18.53 million | | Equity Capital | $4.17 million | | Loan Loss Allowance | $29,000 |
Historic Data - December 2010 | | Assets | $22.29 million | | Equity Capital | $4.12 million | | Loan Loss Allowance | $24,000 | | Unbacked Noncurrent Loans | $31,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.27% | | Return on Assets | 0.25% | | Return on Equity | 1.39% | | Interest Income | $734,000 | | Non-Interest Income | $159,000 |
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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 V.A.C.Employees Credit Union had $0 in non-current loans and owned real-estate with $4.2 million in equity and loan loss allowances on hand to cover it. This gives V.A.C.Employees 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, V.A.C.Employees Credit Union has increased its total deposits by $423,000, resulting in 2.34% 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 V.A.C.Employees 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. V.A.C.Employees Credit Union has $22.76 million in assets with $4.2 million in equity, resulting in a capitalization level of 18.47%, which is excellent. |
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