Institution Statistics
| W R GRACE MARYLAND EMPLOYEES | | NCUA # | 10545 | | BankRate Report | View | | Year Chartered | 1955 | | Employees | 1 | | Primary Regulator | |
Assets and Liabilities | | Assets | $3.70 million | | Loans | $460,000 | | Deposits | $3.26 million | | Equity Capital | $434,000 | | Loan Loss Allowance | $11,000 |
Historic Data - December 2010 | | Assets | $3.52 million | | Equity Capital | $465,000 | | Loan Loss Allowance | $10,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.37% | | Return on Assets | -0.78% | | Return on Equity | -6.68% | | Interest Income | $91,000 | | Non-Interest Income | $3,000 |
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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 W R Grace Maryland Employees Credit Union had $0 in non-current loans and owned real-estate with $445,000 in equity and loan loss allowances on hand to cover it. This gives W R Grace Maryland 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, W R Grace Maryland Employees Credit Union has increased its total deposits by $216,000, resulting in 7.1% 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 W R Grace Maryland 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. W R Grace Maryland Employees Credit Union has $3.7 million in assets with $445,000 in equity, resulting in a capitalization level of 12.02%, which is excellent. |
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