Institution Statistics
| W-BEE | | NCUA # | 2657 | | BankRate Report | View | | Year Chartered | 1938 | | Employees | 2 | | Primary Regulator | |
Assets and Liabilities | | Assets | $36.97 million | | Loans | $7.57 million | | Deposits | $34.15 million | | Equity Capital | $2.68 million | | Loan Loss Allowance | $16,000 |
Historic Data - December 2010 | | Assets | $35.89 million | | Equity Capital | $2.58 million | | Loan Loss Allowance | $16,000 | | Unbacked Noncurrent Loans | $19,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.51% | | Return on Assets | 0.24% | | Return on Equity | 3.36% | | Interest Income | $793,000 | | Non-Interest Income | $13,000 |
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Institution Health
Overall Score:
4 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-Bee Credit Union had $0 in non-current loans and owned real-estate with $2.69 million in equity and loan loss allowances on hand to cover it. This gives W-Bee 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-Bee Credit Union has increased its total deposits by $971,000, resulting in 2.93% 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-Bee 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. W-Bee Credit Union has $36.97 million in assets with $2.69 million in equity, resulting in a capitalization level of 7.29%, which is below average. |
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