Institution Statistics
| VULCRAFT EMPLOYEES | | NCUA # | 23287 | | BankRate Report | View | | Year Chartered | 1978 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $2.57 million | | Loans | $1.03 million | | Deposits | $2.17 million | | Equity Capital | $398,000 | | Loan Loss Allowance | $4,000 |
Historic Data - December 2010 | | Assets | $2.35 million | | Equity Capital | $392,000 | | Loan Loss Allowance | $4,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.67% | | Return on Assets | 0.16% | | Return on Equity | 1.01% | | Interest Income | $74,000 | | Non-Interest Income | $1,000 |
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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 Vulcraft Employees Credit Union had $0 in non-current loans and owned real-estate with $402,000 in equity and loan loss allowances on hand to cover it. This gives Vulcraft 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, Vulcraft Employees Credit Union has increased its total deposits by $221,000, resulting in 11.32% 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 Vulcraft Employees 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. Vulcraft Employees Credit Union has $2.57 million in assets with $402,000 in equity, resulting in a capitalization level of 15.62%, which is excellent. |
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