Institution Statistics
| VALLEY BELL | | NCUA # | 81274 | | BankRate Report | View | | Year Chartered | 1900 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $13.34 million | | Loans | $4.20 million | | Deposits | $10.53 million | | Equity Capital | $2.78 million | | Loan Loss Allowance | $32,000 | | Unbacked Noncurrent Loans | $25,000 |
Historic Data - December 2010 | | Assets | $13.26 million | | Equity Capital | $2.86 million | | Loan Loss Allowance | $59,000 | | Unbacked Noncurrent Loans | $18,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.33% | | Return on Assets | -0.41% | | Return on Equity | -1.98% | | Interest Income | $396,000 | | Non-Interest Income | $50,000 |
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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 Valley Bell CU (IL) had $25,000 in non-current loans and owned real-estate with $2.81 million in equity and loan loss allowances on hand to cover it. This gives Valley Bell CU (IL) a Texas Ratio of 0.89% 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 Valley Bell CU (IL) held steady from 0.62% as of December 31, 2010 to 0.89% as of December 31, 2011, resulting in a negative change of 44.18%. This indicates that the balance sheet and financial strength for Valley Bell CU (IL) has held steady in recent periods. | | Deposit Growth |  | | In the past year, Valley Bell CU (IL) has increased its total deposits by $186,000, resulting in 1.8% 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 Valley Bell CU (IL) 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. Valley Bell CU (IL) has $13.34 million in assets with $2.81 million in equity, resulting in a capitalization level of 21.04%, which is excellent. |
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