Wilberforce University Credit Union
P.O. Box 67
Wilberforce, OH 45384
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Wilberforce University Credit Union is headquartered in Wilberforce and is the 375th largest credit union in the state of Ohio. It is also the 7,186th largest credit union in the nation. It was established in 1977 and as of December of 2011, it had grown to employees and 88 members. Wilberforce University Credit Union has a 4-star health rating.
Data for Q4 2011
Institution Statistics
| WILBERFORCE UNIVERSITY | | NCUA # | 22714 | | BankRate Report | View | | Year Chartered | 1977 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $116,000 | | Loans | $18,000 | | Deposits | $75,000 | | Equity Capital | $41,000 | | Loan Loss Allowance | $4,000 |
Historic Data - December 2010 | | Assets | $135,000 | | Equity Capital | $46,000 | | Loan Loss Allowance | $4,000 | | Unbacked Noncurrent Loans | $2,000 |
Profit Margin - Quarterly | | Net Interest Margin | 16.67% | | Return on Assets | -3.45% | | Return on Equity | -9.76% | | Interest Income | $3,000 |
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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 Wilberforce University Credit Union had $0 in non-current loans and owned real-estate with $45,000 in equity and loan loss allowances on hand to cover it. This gives Wilberforce University 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, Wilberforce University Credit Union has decreased its total deposits by $-14,000, resulting in -15.73% 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 Wilberforce University 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. Wilberforce University Credit Union has $116,000 in assets with $45,000 in equity, resulting in a capitalization level of 38.79%, which is excellent. |
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