Institution Statistics
| EMERGENCY RESPONDERS | | NCUA # | 66354 | | BankRate Report | View | | Year Chartered | 1940 | | Employees | 4 | | Primary Regulator | |
Assets and Liabilities | | Assets | $15.73 million | | Loans | $10.58 million | | Deposits | $13.63 million | | Equity Capital | $1.94 million | | Loan Loss Allowance | $175,000 | | Unbacked Noncurrent Loans | $390,000 |
Historic Data - December 2010 | | Assets | $14.37 million | | Equity Capital | $1.87 million | | Loan Loss Allowance | $125,000 | | Unbacked Noncurrent Loans | $124,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.24% | | Return on Assets | 0.41% | | Return on Equity | 3.36% | | Interest Income | $684,000 | | Non-Interest Income | $167,000 |
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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 Emergency Responders Credit Union had $390,000 in non-current loans and owned real-estate with $2.11 million in equity and loan loss allowances on hand to cover it. This gives Emergency Responders Credit Union a Texas Ratio of 18.48% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Emergency Responders Credit Union increased slightly from 6.22% as of December 31, 2010 to 18.48% as of December 31, 2011, resulting in a negative change of 197.23%. This indicates that the balance sheet and financial strength for Emergency Responders Credit Union has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Emergency Responders Credit Union has increased its total deposits by $1.31 million, resulting in 10.6% 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 Emergency Responders 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. Emergency Responders Credit Union has $15.73 million in assets with $2.11 million in equity, resulting in a capitalization level of 13.41%, which is excellent. |
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