Institution Statistics
| VALLEY CATHOLIC | | NCUA # | 5496 | | BankRate Report | View | | Year Chartered | 1947 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.11 million | | Loans | $849,000 | | Deposits | $1.00 million | | Equity Capital | $110,000 | | Loan Loss Allowance | $16,000 | | Unbacked Noncurrent Loans | $89,000 |
Historic Data - December 2010 | | Assets | $1.03 million | | Equity Capital | $97,000 | | Loan Loss Allowance | $21,000 | | Unbacked Noncurrent Loans | $70,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.89% | | Return on Assets | 1.08% | | Return on Equity | 10.91% | | Interest Income | $67,000 | | Non-Interest Income | $3,000 |
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Institution Health
Overall Score:
3 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 Catholic Credit Union had $89,000 in non-current loans and owned real-estate with $126,000 in equity and loan loss allowances on hand to cover it. This gives Valley Catholic Credit Union a Texas Ratio of 70.63% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Valley Catholic Credit Union increased slightly from 59.32% as of December 31, 2010 to 70.63% as of December 31, 2011, resulting in a negative change of 19.07%. This indicates that the balance sheet and financial strength for Valley Catholic Credit Union has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Valley Catholic Credit Union has increased its total deposits by $75,000, resulting in 8.08% 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 Catholic Credit Union has shown is excellent. | | 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 Catholic Credit Union has $1.11 million in assets with $126,000 in equity, resulting in a capitalization level of 11.31%, which is above average. |
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