Institution Statistics
| WHITE PLAINS P O EMPLOYEES | | NCUA # | 3110 | | BankRate Report | View | | Year Chartered | 1939 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.56 million | | Loans | $383,000 | | Deposits | $1.19 million | | Equity Capital | $366,000 | | Loan Loss Allowance | $17,000 | | Unbacked Noncurrent Loans | $6,000 |
Historic Data - December 2010 | | Assets | $1.62 million | | Equity Capital | $364,000 | | Loan Loss Allowance | $12,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.27% | | Return on Assets | 0.13% | | Return on Equity | 0.55% | | Interest Income | $63,000 |
|
|
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 White Plains P O Employees Credit Union had $6,000 in non-current loans and owned real-estate with $383,000 in equity and loan loss allowances on hand to cover it. This gives White Plains P O Employees Credit Union a Texas Ratio of 1.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, White Plains P O Employees Credit Union has decreased its total deposits by $-63,000, resulting in -5.04% 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 White Plains P O Employees Credit Union has shown is poor. | | 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. White Plains P O Employees Credit Union has $1.56 million in assets with $383,000 in equity, resulting in a capitalization level of 24.57%, which is excellent. |
|
