Institution Statistics
| WHITEWATER COMMUNITY | | NCUA # | 61760 | | BankRate Report | View | | Year Chartered | 1954 | | Employees | 3 | | Primary Regulator | |
Assets and Liabilities | | Assets | $6.14 million | | Loans | $4.47 million | | Deposits | $5.50 million | | Equity Capital | $635,000 | | Loan Loss Allowance | $14,000 | | Unbacked Noncurrent Loans | $5,000 |
Historic Data - December 2010 | | Assets | $5.77 million | | Equity Capital | $631,000 | | Loan Loss Allowance | $19,000 | | Unbacked Noncurrent Loans | $9,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.08% | | Return on Assets | 0.05% | | Return on Equity | 0.47% | | Interest Income | $212,000 | | Non-Interest Income | $172,000 |
|
|
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 Whitewater Community Credit Union had $5,000 in non-current loans and owned real-estate with $649,000 in equity and loan loss allowances on hand to cover it. This gives Whitewater Community Credit Union a Texas Ratio of 0.77% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Whitewater Community Credit Union decreased significantly from 1.38% as of December 31, 2010 to 0.77% as of December 31, 2011, resulting in a positive change of 44.36%.This indicates that the balance sheet and financial strength for Whitewater Community Credit Union has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Whitewater Community Credit Union has increased its total deposits by $362,000, resulting in 7.04% 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 Whitewater Community 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. Whitewater Community Credit Union has $6.14 million in assets with $649,000 in equity, resulting in a capitalization level of 10.56%, which is above average. |
|
