Institution Statistics
| WINCHESTER COMMUNITY | | NCUA # | 20814 | | BankRate Report | View | | Year Chartered | 1971 | | Employees | 5 | | Primary Regulator | |
Assets and Liabilities | | Assets | $12.06 million | | Loans | $10.47 million | | Deposits | $11.63 million | | Equity Capital | $912,000 | | Loan Loss Allowance | $62,000 | | Unbacked Noncurrent Loans | $211,000 | | Real Estate Owned | $139,000 |
Historic Data - December 2010 | | Assets | $11.19 million | | Equity Capital | $893,000 | | Loan Loss Allowance | $61,000 | | Unbacked Noncurrent Loans | $179,000 | | Real Estate Owned | $150,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.33% | | Return on Assets | 0.15% | | Return on Equity | 1.97% | | Interest Income | $649,000 | | Non-Interest Income | $170,000 |
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Institution Health
Overall Score:
3 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 Winchester Community Credit Union had $350,000 in non-current loans and owned real-estate with $974,000 in equity and loan loss allowances on hand to cover it. This gives Winchester Community Credit Union a Texas Ratio of 35.93% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Winchester Community Credit Union held steady from 34.49% as of December 31, 2010 to 35.93% as of December 31, 2011, resulting in a negative change of 4.20%. This indicates that the balance sheet and financial strength for Winchester Community Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, Winchester Community Credit Union has increased its total deposits by $985,000, resulting in 9.25% 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 Winchester 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. Winchester Community Credit Union has $12.06 million in assets with $974,000 in equity, resulting in a capitalization level of 8.08%, which is average. |
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